0000876523-24-000048 | 10-K | XBRL Viewer

Property and Equipment

12 Months Ended

Sep. 30, 2024

Property, Plant and Equipment [Abstract]

NOTE 5: PROPERTY AND EQUIPMENT

Major classifications of property and equipment were as follows:


	September 30,
	2024						2023
(in thousands)	Carrying Amount		Accumulated Depreciation		Net Book Value		Carrying Amount		Accumulated Depreciation		Net Book Value

Land	$	4	$	—	$	4	$	4	$	—	$	4
Buildings and improvements	145,001		(105,337)		39,664		146,687		(109,710)		36,977
Furniture and equipment	100,823		(74,882)		25,941		164,818		(133,870)		30,948
Software	34,886		(34,522)		364		33,952		(33,785)		167

	$	280,714	$	(214,741)	$	65,973	$	345,461	$	(277,365)	$	68,096

The depreciation of property and equipment is recorded as depreciation expense and included under “Depreciation and amortization” recorded in our Consolidated Statements of Operations. These amounts were $21.5 million, $22.1 million and $20.4 million for fiscal 2024, 2023 and 2022, respectively.

Pay vs Performance Disclosure - USD ($) $ in Thousands	12 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Pay vs Performance Disclosure
Net profit (loss)	$ 83,095	$ 38,463	$ 50,160

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

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+ Details

Property and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
Property and Equipment (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Property, Plant and Equipment [Line Items]
Carrying Amount	$ 280,714	$ 345,461
Accumulated Depreciation	(214,741)	(277,365)
Property and equipment, net	65,973	68,096
Depreciation	21,500	22,100	$ 20,400
Land
Property, Plant and Equipment [Line Items]
Carrying Amount	4	4
Accumulated Depreciation	0	0
Property and equipment, net	4	4
Buildings and improvements
Property, Plant and Equipment [Line Items]
Carrying Amount	145,001	146,687
Accumulated Depreciation	(105,337)	(109,710)
Property and equipment, net	39,664	36,977
Furniture and equipment
Property, Plant and Equipment [Line Items]
Carrying Amount	100,823	164,818
Accumulated Depreciation	(74,882)	(133,870)
Property and equipment, net	25,941	30,948
Software
Property, Plant and Equipment [Line Items]
Carrying Amount	34,886	33,952
Accumulated Depreciation	(34,522)	(33,785)
Property and equipment, net	$ 364	$ 167

Debt - Principal Payment Schedule (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Debt Instrument [Line Items]
Gross Amount	$ 333,373	$ 367,762
Senior Notes
Debt Instrument [Line Items]
Fiscal 2025	103,373
Fiscal 2026	0
Fiscal 2027	0
Fiscal 2028	0
Fiscal 2029	0
Thereafter	230,000
Gross Amount	333,373
Senior Notes \| 2029 Convertible Notes
Debt Instrument [Line Items]
Fiscal 2025	0
Fiscal 2026	0
Fiscal 2027	0
Fiscal 2028	0
Fiscal 2029	0
Thereafter	230,000
Gross Amount	230,000	230,000
Senior Notes \| 2025 Convertible Notes
Debt Instrument [Line Items]
Fiscal 2025	103,373
Fiscal 2026	0
Fiscal 2027	0
Fiscal 2028	0
Fiscal 2029	0
Thereafter	0
Gross Amount	$ 103,373	$ 103,373

Segment Information - Additional Information (Details)	12 Months Ended
Segment Information - Additional Information (Details)	Sep. 30, 2024 segment
Segment Reporting [Abstract]
Number of reportable segments	3

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Statement of Comprehensive Income [Abstract]
Net income	$ 83,095	$ 38,463	$ 50,160
Other comprehensive (loss) income:
Foreign currency translation adjustment, net of income tax expense for our investment in unconsolidated affiliate of $7, $666 and $229 for the years ended September 30, 2024, 2023 and 2022, respectively	(19,445)	23,567	2,746
Comprehensive income	$ 63,650	$ 62,030	$ 52,906

- Definition

Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.

+ References + Details

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

+ Details

Contingencies	12 Months Ended
Contingencies	Sep. 30, 2024
Commitments and Contingencies Disclosure [Abstract]
Contingencies	NOTE 11: CONTINGENCIES Currently, and from time to time, we are involved in various claims, disputes, lawsuits, investigations and legal and regulatory proceedings. We accrue for contingencies if it is probable that a liability has been incurred and the amount of the loss can be reasonably estimated. Because these matters are inherently unpredictable and unfavorable developments or resolutions can occur, assessing contingencies requires judgments and is highly subjective about future events, and the amount of resulting loss may differ from these estimates. We do not believe the resolution of any particular matter will have a material adverse effect on our financial condition, results of operations or liquidity.

Goodwill and Intangible Assets - Additional Information (Details) - USD ($)	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Goodwill [Line Items]
Goodwill impairment loss	$ 0	$ 0	$ 0	$ 41,300,000
Definite-lived intangible assets, amortization expense	$ 11,600,000	$ 10,000,000.0	$ 11,700,000
Impairment, Intangible Asset, Statement of Income or Comprehensive Income [Extensible Enumeration]			General and Administrative Expense
Computer Software, Intangible Asset
Goodwill [Line Items]
Impairment of intangible assets			$ 2,400,000
U.S. Pawn
Goodwill [Line Items]
Goodwill impairment loss				10,000,000
Latin America Pawn
Goodwill [Line Items]
Goodwill impairment loss				$ 31,300,000

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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+ Details

Common Stock and Stock Compensation (Tables)

12 Months Ended

Sep. 30, 2024

Share-Based Payment Arrangement [Abstract]

Schedule of Compensation Costs Included in Net Income

The following table presents amounts related to our stock compensation arrangements:


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

Share-based compensation costs	$	10,406	$	9,539	$	5,053
Income tax benefit on share-based compensation	(1,071)		(1,125)		(557)

Schedule of Restricted Stock Award Activity

The following table presents a summary of stock compensation activity:


	Shares	Weighted Average Grant Date Fair Value

Outstanding as of September 30, 2023	2,555,899	$	6.80
Granted (a)	1,442,461	7.59
Released (b)	(1,235,235)	5.28
Cancelled	(63,211)	7.32
Outstanding as of September 30, 2024	2,699,914	$	7.91

(a) Includes performance adjustment of 353,993 shares awarded above their target grants resulting from the achievement of performance targets established at the grant date.

(b) 380,931 shares were withheld to satisfy related income tax withholding.

The following table presents a summary of the fair value of shares granted:


	Fiscal Year Ended September 30,
(in millions except per share amounts)	2024		2023		2022

Weighted average grant date fair value per share granted (a)	$	7.59	$	7.82	$	7.24
Total market value of shares released	$	10.7	$	4.7	$	3.7

(a) Awards with performance and time-based vesting provisions are generally valued based upon the underlying share price as of the issuance date.

Income Taxes - Schedule of Foreign and Domestic Income Components (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Income Tax Disclosure [Abstract]
Domestic	$ 82,703	$ 26,209	$ 49,937
Foreign	32,905	25,424	17,776
Income before income taxes	$ 115,608	$ 51,633	$ 67,713

- Definition

Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest.

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+ Details

Debt - Convertible Senior Notes Due 2024 (Details) - USD ($)		12 Months Ended
	Jul. 01, 2024	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022	Jul. 05, 2017
Debt Instrument [Line Items]
Long-term debt		$ 327,328,000	$ 360,112,000
Payments on assumed debt		34,389,000	178,488,000	$ 0
2024 Convertible Notes \| Common Class A
Debt Instrument [Line Items]
Debt conversion, further issued (in shares)	77,328
2024 Convertible Notes \| Senior Notes
Debt Instrument [Line Items]
Stated interest rate					2.875%
Debt instrument, face amount					$ 143,750,000
Long-term debt		$ 0	$ 34,265,000
Payments on assumed debt	$ 34,400,000

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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+ Details

- Definition

Amount, after deduction of unamortized premium (discount) and debt issuance cost, of long-term debt. Excludes lease obligation.

+ References + Details

Common Stock and Stock Compensation

12 Months Ended

Sep. 30, 2024

Share-Based Payment Arrangement [Abstract]

Common Stock and Stock Compensation

NOTE 8: COMMON STOCK AND STOCK COMPENSATION

Common Stock Repurchase Program

On May 3, 2022, our Board of Directors (the “Board”) authorized the repurchase of up to $50 million of our Class A Common Stock over three years (the “Common Stock Repurchase Program”). Execution of the program will be responsive to fluctuating market conditions and valuations, liquidity needs and the expected return on investment compared to other opportunities.

The amount and timing of purchases will be dependent on a variety of factors, including stock price, trading volume, general market conditions, legal and regulatory requirements, general business conditions, the level of cash flows and corporate considerations determined by management and the Board, such as liquidity and capital needs and the availability of attractive alternative investment opportunities. The Board has reserved the right to modify, suspend or terminate the program at any time. As of September 30, 2024, we had repurchased and retired 2,845,548 shares of our Class A Common Stock for $26.0 million under the Common Stock Repurchase Program, of which 1,218,503 and 1,389,102 shares were repurchased and retired for $12.0 million during the fiscal years ended September 30, 2024 and 2023, respectively. The repurchase amount is allocated between “Additional paid-in capital” and “Retained earnings” in our Consolidated Balance Sheets.

Other Common Stock Repurchases

During December 2022, we used approximately $5.0 million of the net proceeds from the 2029 Convertible Notes offering to repurchase for cash 578,703 shares of our Class A Common Stock from purchasers of the notes in privately negotiated transactions. Such transactions were authorized separately from, and not considered a part of, the publicly announced Common Stock Repurchase Program discussed above. The repurchase amount is allocated between “Additional paid-in capital” and “Retained earnings” in our consolidated balance sheets.

Stock Compensation

We utilize equity-based awards as a long-term incentive to attract and retain qualified employees, consultants and directors and motivate them to achieve long-term goals, thereby promoting the long-term financial interests of the Company and enhancing long-term stockholder return.

2022 LTI Plan

On March 1, 2022, we adopted the 2022 Long-Term Incentive Plan (the “2022 LTI Plan”), which gives us the ability to grant equity-based incentive compensation awards, in the form of restricted stock or restricted stock units, to our employees, members of the Board of Directors and consultants, independent contractors or advisors who are determined to have a direct and significant effect on the Company’s performance. The total number of shares of Class A Common Stock that may be issued pursuant to awards under the 2022 LTI Plan (“Authorized Shares”) is such number that is from time to time approved by the holder of the Company’s Class B Voting Common Stock (the “Voting Stockholder”). At the time the 2022 LTI Plan was adopted, 400,000 shares of our Class A Common Stock were added as Authorized Shares. That number was increased to 1,900,000 in October 2022, to 3,300,000 in November 2023 and to 4,150,000 in October 2024. At any time, the number of shares that are available for issuance under future awards (“Available Shares”) is equal to the number of Authorized Shares reduced by the number of shares previously issued and the number of shares that may be issued under outstanding awards. The number of Available Shares is increased for shares covered by awards that are forfeited, cancelled or otherwise terminated without the issuance of shares or shares that are withheld at the request of a participant to satisfy such participant’s tax withholding obligations.

The 2022 LTI Plan is administered by the People and Compensation Committee of the Board of Directors (the “Committee”). The Committee generally determines and recommends the type, recipient, amount and terms for all awards issued under the 2022 LTI Plan, but each award issuance requires the approval of the full Board of Directors.

Restricted stock awards are generally subject to continued service over a specified period (typically one-to-three years) and expensed straight-line over the service period. Restricted stock units are generally subject to the achievement of performance goals in addition to continued service, and they are expensed, on a tranche-by-tranche basis, ratably over the service period beginning with the start of the measurement of performance.

2010 LTI Plan

The 2022 LTI Plan replaced the 2010 Long-Term Incentive Plan (the “2010 LTI Plan”) for all long-term incentive awards issued from and after January 1, 2022. The 2010 LTI Plan remains effective, but only with respect to LTI awards issued and outstanding as of December 31, 2021, and any authorized but unissued shares remaining in the 2010 LTI Plan are available only to satisfy such awards.

Under the 2010 LTI Plan, we granted awards of restricted stock or restricted stock units to employees and non-employee directors. Awards granted to employees were typically subject to performance and service conditions. Awards granted to non-employee directors were time-based awards subject only to service conditions. Awards were measured at the grant date fair value with compensation costs associated with the awards recognized over the requisite service period, usually the vesting period, on a straight-line basis.

Board of Director Awards

Immediately after our 2024 Annual Meeting of Stockholders in March 2024, we granted each of the five non-employee directors a restricted stock award of 15,037 shares (75,185 shares in total). Those shares are scheduled to vest on the day immediately preceding the 2025 Annual Meeting of Stockholders (but in no event later than March 31, 2025), subject only to service conditions.

In March 2023, we granted each of the five non-employee directors a restricted stock award of 18,038 shares (90,190 shares in total). Those shares vested on the day immediately preceding the 2024 Annual Meeting of Stockholders in March 2024.

In March 2022, we granted each of the five non-employee directors a restricted stock award of 26,490 shares (132,450 shares in total). Those shares vested on the day immediately preceding the 2023 Annual Meeting of Stockholders in March 2023.

In February 2021, we granted each of the four non-employee directors serving at that time a restricted stock award of 31,936 shares (127,744 shares in total). Those shares vested on the day immediately preceding our 2022 Annual Meeting of Stockholders in March 2022.

Employee Awards

FY24 Awards — In November 2023, we granted restricted stock unit awards of a total of 995,759 shares to our executive officers and other key employees. These awards were issued as part of our annual LTI program for fiscal 2024. The awards have a three-year performance period consisting of fiscal 2024, fiscal 2025 and fiscal 2026. For each award, 60% of the total number of shares was allocated equally among the three fiscal years in the performance period (20% each), with each tranche having separate performance conditions. In addition, 20% of the total number of shares was allocated to a three-year cumulative performance condition applicable to the entire three-year performance period, and 20% was subject only to continued service. The number of shares available to vest from each performance-based tranche can range from 0 to 150% and is dependent on the achievement of the performance conditions for that tranche. All of the performance-based shares that become available to vest based on the achievement of the performance conditions, along with the time-based tranche, will vest on September 30, 2026, so long as the participant continues active employment with the Company through that date. Performance targets for the fiscal 2024 tranche and the three-year cumulative tranche were determined and communicated at the time of grant. Grant dates for the fiscal 2025 and fiscal 2026 tranches will be determined when the applicable performance targets are established for those tranches. As of September 30, 2024, we considered the performance targets for the fiscal 2024 tranche to be probable of achievement at the 133% level and the cumulative performance target for the three-year cumulative tranche to be probable of achievement at the 100% level. During fiscal 2024, we granted restricted stock unit awards of an additional 17,524 shares to key employees in connection with promotions or new hires. These additional awards carry the same terms as those granted in November 2023.

FY23 Awards — In October 2022, we granted restricted stock unit awards of a total of 912,524 shares to our executive officers and other key employees. These awards were issued as part of our annual LTI program for fiscal 2023. The awards have a three-year performance period consisting of fiscal 2023, fiscal 2024 and fiscal 2025. For each award, 60% of the total number of shares was allocated equally among the three fiscal years in the performance period (20% each), with each tranche having separate performance conditions. In addition, 20% of the total number of shares was allocated to a three-year cumulative performance condition applicable to the entire three-year performance period, and 20% was subject only to continued service. The number of shares available to vest from each performance-based tranche can range from 0 to 150% and is dependent on the achievement of the performance conditions for that tranche. All of the performance-based shares that become available to vest based on the achievement of the performance conditions, along with the time-based tranche, will vest on September 30, 2025, so long as the participant continues active employment with the Company through that date. Performance targets for the fiscal 2023 tranche and the three-year cumulative tranche were determined and communicated at the time of grant. Grant dates for the fiscal 2024 and fiscal 2025 tranches correspond to the establishment and communication of the applicable performance targets for those tranches. As of September 30, 2023, we considered the performance targets for the fiscal 2023 tranche to be probable of achievement at the 147% level, and as of September 30, 2024, we considered the performance targets for the fiscal 2024 tranche to be probable of achievement at the 133% level, and the cumulative performance target for the three-year cumulative tranche to be probable of achievement at the 150% level. During fiscal 2023, we granted restricted stock unit awards of an additional 8,036 shares to key employees in connection with promotions or new hires. These additional awards carry the same terms as those granted in October 2022.

FY22 Awards — In October and November 2021, we granted restricted stock unit awards of a total of 981,327 shares to our executive officers and other key employees. These awards were issued as part of our annual LTI program for fiscal 2022. The awards have a three-year performance period consisting of fiscal 2022, fiscal 2023 and fiscal 2024. For each award, the total number of shares was allocated equally among the three fiscal years in the performance period, with each tranche having separate performance conditions. The number of shares available to vest from each tranche can range from 0 to 150% and is dependent on the achievement of the performance condition for that tranche. All of the shares that become available to vest based on the achievement of the performance conditions will vest on September 30, 2024, so long as the participant continues active employment with the Company through that date. Performance targets for the fiscal 2022 tranche were determined and communicated at the time of grant. Grant dates for the other two tranches correspond to the establishment and communication of the applicable performance targets for these tranches. As of September 30, 2022, we considered the performance targets for the fiscal 2022 tranche to be probable of achievement at the 150% level, as of September 30, 2023, we considered the performance targets for the fiscal 2023 tranche to be probable of achievement at the 147% level, and as of September 30, 2024, we considered the performance targets for the fiscal 2024 tranche to be probable of achievement at the 133% level. During fiscal 2022, we granted restricted stock unit awards of an additional 161,265 shares to executive officers and other key employees in connection with promotions or new hires. These additional awards carry the same terms as those granted in October and November 2021.

In October 2021, we granted a restricted stock award of 29,722 shares to an executive officer as a special performance and retention award. This awards vested ratably over three years (fiscal 2022, fiscal 2023 and fiscal 2024).

FY21 Awards — In February 2021, we granted restricted stock units of a total of 1,177,214 shares to our executive officers and other key employees. The awards have a three-year performance period consisting of fiscal 2021, fiscal 2022 and fiscal 2023. For each award, the total number of shares was allocated equally among the three fiscal years in the performance period, with each tranche having separate performance conditions. The number of shares available to vest from each tranche can range from 0 to 150% and is dependent on the achievement of the performance condition for that tranche. All of the shares that became available to vest based on the achievement of the performance conditions vested on September 30, 2023, for participants whose active employment with the Company continued through that date. Performance targets for the fiscal 2021 tranche were determined and communicated in February 2021, and performance targets for the fiscal 2022 tranche were determined and communicated in October 2021, and performance targets for the fiscal 2023 tranche were determined and communicated in October 2022. As of September 30, 2021, we considered the performance targets for the fiscal 2021 tranche to be probable of achievement at the 150% level, as of September 30, 2022, we considered the performance targets for the fiscal 2022 tranche to be probable of achievement at the 150% level, and as of September 30, 2023, we considered the performance targets for the fiscal 2023 tranche to be probable of achievement at the 135% level. During fiscal 2021, we granted restricted stock unit awards of an additional 4,722 shares of restricted stock to employees in connection with promotions or new hires. These additional awards carry the same terms as those granted in February 2021. All of these awards vested in November 2023, after the Committee determined that the performance conditions had been met.

FY20 Awards — In January 2020, the Committee approved restricted stock unit awards for executive officers and key employees, but did not finalize the performance targets at that time. In January 2021, the Committee approved the applicable performance targets and we granted restricted stock unit awards of a total of 550,224 shares of restricted stock to employees. We consider the awards to have a three-year performance period consisting of fiscal 2020, fiscal 2021 and fiscal 2022, with a service condition applicable to fiscal 2020 and then separate performance conditions applicable to fiscal 2021 and 2022. For each award, the total number of shares was allocated equally among fiscal 2021 and fiscal 2022, with each tranche having separate performance conditions. The number of shares available to vest from each tranche was dependent on the achievement of the performance condition for that tranche and could range from 0 to 100%. All of the shares that became available to vest based on the achievement of the performance conditions vested on September 30, 2022, for participants whose active employment with the Company continued through that date. Performance targets for the fiscal 2021 tranche were communicated in January 2021, and performance targets for the fiscal 2022 tranche were determined and communicated in October 2021. As of September 30, 2021, we considered the performance targets for the fiscal 2021 tranche to be probable of achievement at the 100% level, and as of September 30, 2022, we considered the performance targets for the fiscal 2022 tranche to be probable of achievement at the 100% level. All of these awards vested in November 2022, after the Committee determined that the performance conditions had been met.

As of September 30, 2024, the unamortized fair value of share awards to be amortized over their remaining vesting periods was approximately $11.6 million. The weighted-average period over which these costs will be amortized is approximately two years.

The following table presents amounts related to our stock compensation arrangements:


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

Share-based compensation costs	$	10,406	$	9,539	$	5,053
Income tax benefit on share-based compensation	(1,071)		(1,125)		(557)

The following table presents a summary of stock compensation activity:


	Shares	Weighted Average Grant Date Fair Value

Outstanding as of September 30, 2023	2,555,899	$	6.80
Granted (a)	1,442,461	7.59
Released (b)	(1,235,235)	5.28
Cancelled	(63,211)	7.32
Outstanding as of September 30, 2024	2,699,914	$	7.91

(a) Includes performance adjustment of 353,993 shares awarded above their target grants resulting from the achievement of performance targets established at the grant date.

(b) 380,931 shares were withheld to satisfy related income tax withholding.

The following table presents a summary of the fair value of shares granted:


	Fiscal Year Ended September 30,
(in millions except per share amounts)	2024		2023		2022

Weighted average grant date fair value per share granted (a)	$	7.59	$	7.82	$	7.24
Total market value of shares released	$	10.7	$	4.7	$	3.7

(a) Awards with performance and time-based vesting provisions are generally valued based upon the underlying share price as of the issuance date.

Other

We have not declared or paid any dividends and currently do not anticipate paying any dividends in the immediate future. As described in Note 7: Debt, payment of a dividend requires an adjustment to the conversion rate of our Convertible Notes. Should we pay dividends in the future, our certificate of incorporation provides that cash dividends on common stock, when declared, must be declared and paid at the same per share amounts on both classes of stock. Any future determination to pay cash dividends will be at the discretion of our Board of Directors.

Organization and Summary of Significant Accounting Policies - Merchandise Sales Revenue Recognition (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Customer layaway deposits	$ 21,570	$ 18,920	$ 16,000

Common Stock and Stock Compensation - Narrative (Details) $ in Thousands			1 Months Ended									2 Months Ended	12 Months Ended					29 Months Ended
	May 03, 2022 USD ($)	Mar. 01, 2022 shares	Mar. 31, 2024 director shares	Nov. 30, 2023 shares	Mar. 31, 2023 director shares	Dec. 31, 2022 USD ($) shares	Oct. 31, 2022 shares	Mar. 31, 2022 director shares	Oct. 31, 2021 shares	Feb. 28, 2021 director shares	Jan. 31, 2021 shares	Nov. 30, 2021 shares	Sep. 30, 2024 USD ($) shares	Sep. 30, 2023 USD ($) shares	Sep. 30, 2022 USD ($) shares	Sep. 30, 2021 shares	Sep. 30, 2020	Sep. 30, 2024 USD ($) shares	Oct. 31, 2024 shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Purchase and retirement of treasury shares (in shares)						578,703
Common stock repurchased and retired \| $													$ 12,008	$ 16,988	$ 2,040
Purchase and retirement of treasury stock \| $						$ 5,000							12,008	16,988	2,040
Share-based compensation costs \| $													$ 10,406	$ 9,539	$ 5,053
Restricted stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted in period (in shares)													1,442,461
Restricted stock \| Non-employee directors
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of non-employee directors \| director			5		5			5		4
Awards granted in period (in shares)			75,185		90,190			132,450		127,744
Restricted stock \| Non-Employee Director One
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted in period (in shares)			15,037		18,038			26,490		31,936
Restricted stock \| Non-Employee Director Two
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted in period (in shares)			15,037		18,038			26,490		31,936
Restricted stock \| Non-Employee Director Three
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted in period (in shares)			15,037		18,038			26,490		31,936
Restricted stock \| Non-Employee Director Four
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted in period (in shares)			15,037		18,038			26,490		31,936
Restricted stock \| Non-Employee Director Five
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted in period (in shares)			15,037		18,038			26,490
Restricted Stock and Phantom Share Units
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unamortized fair value of share awards amortized remaining value \| $													$ 11,600					$ 11,600
Weighted-average period over													2 years
2022 Plan \| Minimum \| Restricted stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Service period		1 year
2022 Plan \| Maximum \| Restricted stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Service period		3 years
FY24 Awards \| Restricted Stock Units (RSUs) \| Employee
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted in period (in shares)				995,759									17,524
Award vesting period				3 years
Vesting rights percentage				60.00%
FY24 Awards \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 1
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage				20.00%
FY24 Awards \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 2
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage				20.00%
FY24 Awards \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 3
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage				20.00%									133.00%
FY24 Awards \| Performance Shares \| Employee
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period				3 years
Share based compensation award vesting rights, percentage				20.00%
FY24 Awards \| Cumulative Performance \| Employee
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period				3 years
FY24 Awards \| Cumulative Performance \| Employee \| Vesting Tranche 1
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage													100.00%
FY24 Awards \| Minimum \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 1
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage				0.00%
FY24 Awards \| Maximum \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 1
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage				150.00%
FY23 Awards \| Restricted Stock Units (RSUs) \| Employee
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted in period (in shares)							912,524							8,036
Award vesting period							3 years
Vesting rights percentage							60.00%
FY23 Awards \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 1
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage							20.00%
FY23 Awards \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 2
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage							20.00%
FY23 Awards \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 3
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage							20.00%						133.00%	147.00%
FY23 Awards \| Performance Shares \| Employee
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period							3 years
Share based compensation award vesting rights, percentage							20.00%
FY23 Awards \| Cumulative Performance \| Employee
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period							3 years
FY23 Awards \| Cumulative Performance \| Employee \| Vesting Tranche 1
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage							150.00%
FY23 Awards \| Minimum \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 1
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage							0.00%
FY23 Awards \| Maximum \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 1
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage							150.00%
FY22 Awards \| Restricted Stock Units (RSUs) \| Employee
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted in period (in shares)									29,722			981,327			161,265
Award vesting period									3 years				3 years	3 years	3 years
FY22 Awards \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 2
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage															150.00%
FY22 Awards \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 3
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage													133.00%	147.00%
FY22 Awards \| Minimum \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 1
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage														0.00%
FY22 Awards \| Maximum \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 1
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage														150.00%
FY21 Awards \| Restricted Stock Units (RSUs) \| Employee
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted in period (in shares)										1,177,214						4,722
Award vesting period														3 years	3 years	3 years
FY21 Awards \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 1
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage																150.00%
FY21 Awards \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 2
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage															150.00%
FY21 Awards \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 3
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage														135.00%
FY21 Awards \| Minimum \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 1
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage														0.00%
FY21 Awards \| Maximum \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 1
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage														150.00%
FY20 Awards \| Restricted Stock Units (RSUs) \| Employee
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted in period (in shares)											550,224
Award vesting period															3 years	3 years	3 years
FY20 Awards \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 2
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage																100.00%
FY20 Awards \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 3
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage															100.00%
FY20 Awards \| Minimum \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 1
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage															0.00%
FY20 Awards \| Maximum \| Restricted Stock Units (RSUs) \| Employee \| Vesting Tranche 1
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage															100.00%
Common Class A
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock repurchase program, amount authorized \| $	$ 50,000
Stock repurchase program, period (in years)	3 years
Purchase and retirement of treasury shares (in shares)													1,218,503	1,389,102				2,845,548
Common stock repurchased and retired \| $													$ 12,000	$ 12,000				$ 26,000
Common Class A \| 2022 Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of increase a authorized shares		400,000		3,300,000			1,900,000
Common Class A \| 2022 Plan \| Subsequent event
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of increase a authorized shares																			4,150,000

Fair Value Measurements

12 Months Ended

Sep. 30, 2024

Fair Value Disclosures [Abstract]

Fair Value Measurements

NOTE 4: FAIR VALUE MEASUREMENTS

The fair value of a financial instrument is the amount that could be received upon the sale of an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. The fair value hierarchy prioritizes the quality and reliability of the information used to determine fair values. Categorization within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The fair value hierarchy is defined into the following three categories:

•Level 1 — Quoted market prices in active markets for identical assets or liabilities.

•Level 2 — Other observable market-based inputs or unobservable inputs that are corroborated by market data.

•Level 3 — Unobservable inputs that are not corroborated by market data.

Financial Assets and Liabilities Not Measured at Fair Value

The tables below present our financial assets and liabilities that were not measured at fair value:


	Carrying Value		Estimated Fair Value
	September 30, 2024		September 30, 2024		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:

Promissory note receivable from Founders	$	15,722	$	15,722	$	—	$	—	$	15,722

Investments in unconsolidated affiliates	13,329		42,496		41,646		—		850
Financial liabilities:

2025 Convertible Notes	$	103,072	$	100,401	$	—	$	100,401	$	—
2029 Convertible Notes	224,256		273,700		—		273,700		—


	Carrying Value		Estimated Fair Value
	September 30, 2023		September 30, 2023		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
Promissory note receivable due April 2024	$	1,251	$	1,251	$	—	$	—	$	1,251
Promissory note receivable from Founders	16,500		16,500		—		—		16,500
Investments in unconsolidated affiliate	10,987		35,998		35,998		—		—
Financial liabilities:
2024 Convertible Notes	$	34,265	$	35,765	$	—	$	35,765	$	—
2025 Convertible Notes	102,563		96,137		—		96,137		—
2029 Convertible Notes	223,284		224,112		—		224,112		—

Based primarily on the short-term nature of cash and cash equivalents, pawn loans, pawn service charges receivable and other liabilities, we estimate that their carrying value approximates fair value. We consider our cash and cash equivalents to be measured using Level 1 inputs and our pawn loans, pawn service charges receivable and other liabilities to be measured using Level 3 inputs. Significant increases or decreases in the underlying assumptions used to value pawn loans, pawn service charges receivable, consumer loans, fees and interest receivable and other debt could significantly increase or decrease these fair value estimates.

In fiscal 2023, we loaned $15.0 million to Founders in exchange for a Demand Promissory Note secured by the common interest in Founders held by the other member. As of September 30, 2024, the interest rate on the note was 15.00% per annum, and all principal and accrued interest is due on demand. Based primarily on the short-term nature of the note, we estimate that its carrying value approximates fair value as of September 30, 2024.

We use the equity method of accounting to account for our ownership interest in Cash Converters. The inputs used to generate the fair value of the investment in Cash Converters were considered Level 1 inputs. These inputs consist of (a) the quoted stock price on the Australian Stock Exchange multiplied by (b) the number of shares we owned multiplied by (c) the applicable foreign currency exchange rate as of the end of our reporting period. We included no control premium for owning a large percentage of outstanding shares.

We measured the fair value of the 2024, 2025 and 2029 Convertible Notes using quoted price inputs. The notes are not actively traded, and thus the price inputs represent a Level 2 measurement. As the quoted price inputs are highly variable from day to day, the fair value estimates disclosed above could significantly increase or decrease.

In fiscal 2019, we received $1.1 million in previously escrowed seller funds as a result of settling certain indemnification claims with the seller of GPMX. In April 2019, we loaned the $1.1 million back to the seller of GPMX in exchange for a promissory note. The interest rate on the note was 2.89% per annum and was secured by certain marketable securities owned by the seller and held in a U.S. brokerage account. All principal and accrued interest on the promissory note was received in April 2024.

See “Note 10: Leases” for discussion on the non-recurring fair value adjustment related to our corporate office lease during fiscal 2023.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 107
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-107

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
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-Name Accounting Standards Codification
-Section 55
-Paragraph 100
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-100

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (c)(3)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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-Name Accounting Standards Codification
-Section 50
-Paragraph 6A
-Subparagraph (a)
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-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2E
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2E

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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-Name Accounting Standards Codification
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-Subparagraph (h)
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-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
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-Paragraph 6A
-Subparagraph (f)
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-Topic 820
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-Name Accounting Standards Codification
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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-Name Accounting Standards Codification
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-Paragraph 6A
-Subparagraph (d)
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-URI https://asc.fasb.org/1943274/2147482106/820-10-50-6A

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482106/820-10-50-2

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 820
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478119/940-820-50-1

+ Details

Fair Value Measurements - Additional Information (Details) - USD ($) $ in Millions	1 Months Ended	12 Months Ended
	Apr. 30, 2019	Sep. 30, 2024	Sep. 30, 2022	Sep. 30, 2019
Promissory note receivable due April 2024
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of notes receivable	$ 1.1			$ 1.1
Interest on note receivable	2.89%
Promissory note receivable from Founders
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of notes receivable			$ 15.0
Interest on note receivable		15.00%

Fair Value Measurements (Tables)

12 Months Ended

Sep. 30, 2024

Fair Value Disclosures [Abstract]

Schedule of Financial Assets and Liabilities Not Measured at Fair Value in the Consolidated Balance Sheet

The tables below present our financial assets and liabilities that were not measured at fair value:


	Carrying Value		Estimated Fair Value
	September 30, 2024		September 30, 2024		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:

Promissory note receivable from Founders	$	15,722	$	15,722	$	—	$	—	$	15,722

Investments in unconsolidated affiliates	13,329		42,496		41,646		—		850
Financial liabilities:

2025 Convertible Notes	$	103,072	$	100,401	$	—	$	100,401	$	—
2029 Convertible Notes	224,256		273,700		—		273,700		—


	Carrying Value		Estimated Fair Value
	September 30, 2023		September 30, 2023		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
Promissory note receivable due April 2024	$	1,251	$	1,251	$	—	$	—	$	1,251
Promissory note receivable from Founders	16,500		16,500		—		—		16,500
Investments in unconsolidated affiliate	10,987		35,998		35,998		—		—
Financial liabilities:
2024 Convertible Notes	$	34,265	$	35,765	$	—	$	35,765	$	—
2025 Convertible Notes	102,563		96,137		—		96,137		—
2029 Convertible Notes	223,284		224,112		—		224,112		—

Organization and Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Sep. 30, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation and Principles of Consolidation	Basis of Presentation and Principles of Consolidation The accompanying consolidated financial statements have been prepared in accordance with generally accepted accounting principles and are expressed in U.S. dollars. They include the accounts of EZCORP, Inc., and its wholly-owned subsidiaries. We use the equity method of accounting for entities over which we exercise significant influence, but in which we have a 50% or less investment. We account for equity investments in entities over which we do not exercise significant influence, and do not have a readily determinable fair value, at cost. If we obtain evidence that the fair value of such an investment has declined below its cost, we reduce the recorded cost to the lower value through an impairment charge recorded in the Consolidated Statements of Operations. All inter-company accounts and transactions have been eliminated in consolidation.
Use of Estimates and Assumptions	Use of Estimates and Assumptions The preparation of these financial statements requires management to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenues and expenses and related disclosure of contingent assets and liabilities. We regularly evaluate estimates and judgments, including those related to revenue recognition, inventory, loan loss allowances, long-lived and intangible assets, share-based compensation, income taxes, contingencies and litigation. We base our estimates on historical experience, observable trends and various other assumptions we believe are reasonable, the results of which form the basis for making judgements about the carrying values of assets and liabilities and the accrual of costs and expenses that are not readily apparent from other sources. Actual results may differ materially from the estimates under different assumptions or conditions.
Pawn Loans and Merchandise Sales Revenue Recognition	Pawn Loans and Revenue Recognition Our pawn loans are fully collateralized and the carrying values are based on the initial amounts loaned to customers. We record pawn service charges using the effective interest method over the life of the pawn loans for all pawn loans we believe to be collectible. We base our estimate of collectability on several inputs, including recent redemption rates, historical trends in redemption rates and the amount of loans due in the following months. Unexpected variations in any of these factors could change our estimate of collectability and affect our results of operations and financial condition. If a pawn loan is not repaid, the forfeited collateral is recorded as inventory at the lower of the principal balance of the pawn loan or the net realizable value of the item. As of September 30, 2024, consolidated pawn loans outstanding was $274.1 million, of which $107.5 million (39%) is attributable to stores in Texas and $28.6 million (10%) is attributable to stores in Florida. As of September 30, 2023, consolidated pawn loans outstanding was $245.8 million, of which $95.5 million (39%) is attributable to stores in Texas and $25.7 million (10%) is attributable to stores in Florida. Merchandise Sales Revenue Recognition Our performance obligations for merchandise sales primarily relate to point in time retail sales in our stores. We recognize the satisfaction of the performance obligations and record merchandise sales revenue and the related costs when merchandise inventory is sold and delivered to the customer or, in the case of a layaway sale, when we receive the final payment. Customer layaway deposits are recorded as liabilities when a customer provides a deposit for merchandise. Customer layaway deposits are generally refundable upon cancellation. Our customer layaway deposits balance as of September 30, 2024, 2023 and 2022 was $21.6 million, $18.9 million and $16.0 million, respectively, and are generally recognized as revenue within a one-year period. Customers have a limited period of time to return merchandise for a refund or exchange, and actual returns for refunds are not material. Sales taxes collected on sales of inventory are excluded from the amounts recognized as merchandise sales and are recorded as “Accounts payable, accrued expenses and other current liabilities” in our Consolidated Balance Sheets until remitted to the appropriate governmental authorities. For precious metals and stones sold as scrap, we recognize the satisfaction of the performance obligations and record the revenues and the related costs when the inventory is legally transferred to the refiner and the refiner obtains control of the inventory. The accounts receivable outstanding at the end of a given reporting period from such transactions are not material as payments are generally received within a short period of time after the legal transfer of the inventory. Our transaction prices are explicitly stated within the contracts with our customers.
Inventory and Cost of Goods Sold	Inventory and Cost of Goods Sold If a pawn loan is not redeemed, the forfeited collateral is recorded as inventory at the lower of the principal balance of the pawn loan or the net realizable value of the item. We do not record a loan loss allowance or charge-off expense on the principal portion of forfeited pawn loans, as such loans are fully collateralized. Inventory is recorded using the specific identification method of accounting. In order to state inventory at the lower of cost or net realizable value, we record an allowance for excess, obsolete or slow-moving inventory based on the type and age of the underlying merchandise. Our inventory consists primarily of general merchandise and jewelry. “Merchandise cost of goods sold” as recorded in our Consolidated Statements of Operations includes the historical cost of inventory sold, inventory shrinkage and any change in the allowance for inventory shrinkage and valuation. We include the costs of operating our central jewelry processing unit as “Jewelry scrapping cost of goods sold” in our Consolidated Statements of Operations as such costs relate directly to sales of precious metals and stones to refiners. We consider our estimates of obsolete or slow-moving inventory and shrinkage critical to the determination of the appropriate overall valuation allowance for inventory. We continually monitor our sales margins for each type of inventory and compare the current margins to historical margins. Significant variances in those margins may require a revision to future inventory reserve estimates. We determine our reserve pertaining to jewelry inventory based on the current and projected prices of gold. Future declines in the value of gold may result in an increase in reserves pertaining to jewelry inventory. Situations that may result in excess or obsolete inventory include changes in business and economic conditions, changes in consumer confidence caused by changes in market conditions, decreases in demand for our products or inventory obsolescence resulting from changes in technology. With respect to our Mexico pawn operations, we do not own the forfeited collateral. However, we assume the risk of loss on such collateral and are solely responsible for its care and disposition and, therefore, record such collateral as inventory in our Consolidated Balance Sheets. As of September 30, 2024 and 2023, inventory related to our Mexico pawn operations was $42.2 million and $31.4 million, respectively.
Cash and Cash Equivalents and Cash Concentrations and Restricted Cash	Cash and Cash Equivalents and Cash Concentrations Cash and cash equivalents consist primarily of cash on deposit or highly liquid investments with original contractual maturities of three months or less, or money market mutual funds. We hold cash at major financial institutions in amounts that often exceed FDIC insured limits. We manage our credit risk associated with cash and cash equivalents and cash concentrations by maintaining our cash deposits in high quality financial institutions and by periodically evaluating the credit quality of the primary financial institutions issuing investments or holding such deposits. Historically, we have not experienced any losses due to such cash concentrations. Restricted Cash As of September 30, 2024 and 2023, restricted cash consists of $0.5 million and $0.3 million, respectively, related to the acquisition of PLO del Bajio S. de. R.L. de C.V. and $8.8 million and $8.1 million, respectively, held in escrow pending the resolution of a pre-closing tax indemnity claim related to the sale of Grupo Finmart.
Investments	Investments We account for our investment in Cash Converters under the equity method. Because the fiscal year of Cash Converters ends three months before our fiscal year, we record our interest from the results of Cash Converters on a three-month lag. Thus, the results of our operations reported for the fiscal years ended September 30, 2024, 2023 and 2022 include our percentage interest in the results of Cash Converters for the twelve-month periods ended June 30, 2024, 2023 and 2022, respectively. During the first quarter of our fiscal year, we record our percentage interest in the results of Cash Converters for the three months ended December 31 based on an estimate of the results of Cash Converters for the three months ended September 30 of that year. Similarly, during the third quarter of our fiscal year, we record our percentage interest in the results of Cash Converters for the three months ended June 30 using the estimated results of Cash Converters for the three months ended March 31 of that year. Cash Converters files semi-annual financial reports with the Australian Securities & Investments Commission and the Australian Stock Exchange as of and for the periods ended June 30 and December 31. We use these publicly available financial reports to adjust the estimated amounts we recorded. The actual results of Cash Converters may vary from our estimates. Refer to Note 3: Strategic Investments for further details on our investment in Cash Converters. We account for our investment in Rich Data Corporation (“RDC”) in accordance with ASC 321, Investments — Equity Securities, and we have elected to use the measurement alternative to measure this investment at cost, less any impairment, plus or minus changes resulting from observable price changes in orderly transactions for identical or similar investments of the same issuer, if any.
Leases	Leases We determine if an arrangement contains a lease at inception. We have elected not to recognize on the balance sheet leases with terms of one year or less as a practical expedient. Operating lease assets are included in Right-of-use assets, net and financing lease assets are included in Other assets, net on the Consolidated Balance Sheets. We enter into operating lease agreements for real estate related to pawn locations and corporate offices. We have entered into financing lease agreements mainly for motor vehicles. Operating and financing lease liabilities are recognized at the lease commencement date based on the present value of fixed lease payments using the Company’s incremental borrowing rate. As our leases generally do not include an implicit rate, we compute our incremental borrowing rate based on information available at the lease commencement date applying the portfolio approach to groups of leases with similar characteristics. Our lease terms include options to extend the lease when it is reasonably certain we will exercise its option. We used incremental borrowing rates that match the duration of the remaining lease terms of our operating leases on a fully collateralized basis to initially measure our lease liability. We evaluate renewal options periodically for any changes in assumptions. We do not account for lease and non-lease components separately. Lease components generally include rent, taxes and insurance and non-lease components generally include common area maintenance. Right-of-use assets are tested for impairment in the same manner as long-lived assets. We recognize lease expense on a straight-line basis over the lease term with variable lease expense recognized in the period in which the costs are incurred. Our operating lease portfolio consists of pawn locations and corporate offices with lease terms ranging from three to ten years, including options to renew. Our financing lease terms range from two to five years. We generally account for the initial lease term of our pawn locations as up to ten years. Our primary corporate office is leased through March 2029 with annual escalating rent payments.
Goodwill and Indefinite-Lived Intangible Assets	Goodwill and Indefinite-Lived Intangible Assets Goodwill represents the excess of the purchase price over the net amount of identifiable assets acquired and liabilities assumed in a business combination measured at fair value. We evaluate goodwill for impairment annually on September 30 and upon the occurrence of certain triggering events or substantive changes in circumstances that indicate that the fair value of goodwill may be impaired. We consider the assessment of the occurrence of triggering events or substantive changes in circumstances that may indicate the fair value of goodwill may be impaired to be a critical estimate. Impairment of goodwill is tested at the reporting unit level. A reporting unit is an operating segment or one level below an operating segment, referred to as a “component.” A component of an operating segment is required to be identified as a reporting unit if the component is a business for which discrete financial information is available and segment management regularly reviews its operating results. When testing goodwill for impairment, we have the option to first assess qualitative factors to determine whether the existence of events or circumstances leads to a determination that it is more-likely-than-not the estimated fair value of a reporting unit is less than its carrying amount. If we elect to perform a qualitative assessment and determine that an impairment is more-likely-than-not, we are then required to perform a quantitative impairment test; otherwise, no further analysis is required. We also may elect not to perform a qualitative assessment and, instead, proceed directly to a quantitative impairment test. When performing a quantitative impairment test, we apply a one-step quantitative test and record the amount of goodwill impairment as the excess of a reporting unit’s carrying amount over its fair value, not to exceed the total amount of goodwill allocated to that reporting unit. When we perform a quantitative goodwill impairment test, we estimate the fair value of the reporting unit using an income approach based on the present value of expected future cash flows, including terminal value, utilizing a market-based weighted average cost of capital (“WACC”) determined separately for each reporting unit. The determination of fair value involves the use of estimates and assumptions, including revenue growth rates, operating margins and terminal growth rates discounted by an estimated WACC derived from other publicly traded companies that are similar but not identical to us from an operational and economic standpoint. We use discount rates that are commensurate with the risks and uncertainties inherent in the respective businesses and in our internally developed forecasts. We test indefinite-lived intangible assets for impairment by first assessing qualitative factors to determine whether it is necessary to perform a quantitative impairment test. If we believe as a result of its qualitative assessment that it is more-likely-than-not the fair value of the indefinite-lived intangible asset is less than its carrying amount, a quantitative impairment test is required. Otherwise, no further testing is required.
Property and Equipment	Property and Equipment We record property and equipment at cost. We depreciate these assets on a straight-line basis using estimated useful lives of 30 years for buildings and two-to-seven years for furniture, equipment and software development costs. We depreciate leasehold improvements over the shorter of their estimated useful life (typically 10 years) or the reasonably assured lease term at the inception of the lease.
Valuation of Long-Lived Assets	Valuation of Long-Lived Assets The carrying values of long-lived assets, inclusive of right-of-use (ROU) assets, are periodically reviewed whenever events or changes in circumstances indicate the carrying value may not be recoverable, such as historical operating losses or plans to close stores before the end of their previously estimated useful lives. A potential impairment has occurred if projected future undiscounted cash flows are less than the carrying value of the assets. The estimate of cash flows includes management's assumptions of cash inflows and outflows directly resulting from the use of those assets in operations. We consider the assumptions associated with the determination of projected future cash flows to be a critical estimate. When a potential impairment has occurred, an impairment write-down is recorded if the carrying value of the long-lived asset exceeds its fair value.
Software Development Costs and Cloud Computing Arrangements	Software Development Costs and Cloud Computing Arrangements We capitalize certain costs incurred in connection with developing or obtaining software for internal use and amortize the costs on a straight-line basis over the estimated useful lives of the software, typically five years. Net capitalized development costs are included in “Capital expenditures, net” in our Consolidated Statements of Cash Flows. In evaluating whether our cloud computing arrangements include a software license, we consider whether we have the contractual right to take possession of the software at any time during the hosting period without significant penalty and whether it is feasible for us to either run the software on our own hardware or contract with another party unrelated to the vendor to host the software. If a cloud computing arrangement includes a software license, we account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, we account for the arrangement as a service contract. For cloud computing arrangements that meet the definition of a service contract, the Company capitalizes implementation costs incurred during the application development stage and until the software is ready for its intended use within Other assets, net in our Consolidated Balance Sheets and then amortizes the costs on a straight-line basis over the term of the contract. The hosting service fees are not considered an implementation cost and are treated as a prepaid expense and then the Company amortizes the costs on a straight-line basis over the term of the contract. Costs related to data conversion, training and other maintenance activities are expensed as incurred.
Business Combinations	Business Combinations We allocate the total acquisition price to the fair value of assets and liabilities acquired under the acquisition method with goodwill representing the excess of purchase price over the fair value of net assets acquired. We expense transaction costs as incurred. We recognize any adjustments to provisional amounts and goodwill that are identified during the measurement period in the reporting period in which the adjustment amounts are determined, with the effect on current period earnings of changes in depreciation, amortization or other income effects, if any, as a result of the change to the provisional amounts, calculated as if the accounting had been completed at the acquisition date.
Convertible Debt Securities	Convertible Debt Securities On October 1, 2021, we early adopted Accounting Standards Update (“ASU”) 2020-06, Debt – Debt with Conversion and Other Options (Subtopic 470-20) and Derivatives and Hedging – Contracts in Entity’s Own Equity (Subtopic 815 – 40), (“ASU 2020-06”) on a modified retrospective basis. Under ASU 2020-06, we no longer separate the convertible senior notes into liability and equity components. We recognized a cumulative effect of initially applying the ASU as an adjustment to the October 1, 2021 opening balance of retained earnings. The conversion option that was previously accounted for in equity under the cash conversion model was recombined into the convertible debt outstanding, and as a result, additional paid in capital and the related unamortized debt discount on the convertible senior notes were reduced. The removal of the remaining debt discounts recorded for this previous separation has the effect of increasing our net debt balance. The prior period consolidated financial statements have not been retrospectively adjusted and continue to be reported under the accounting standards in effect for those periods.
Foreign Currency	Foreign Currency Our foreign subsidiaries use the local currency of their respective countries as their functional currency. Assets and liabilities of our foreign subsidiaries' balance sheet accounts and our equity method investments are translated from their respective functional currencies into United States dollars at the exchange rate at the end of each quarter, and their earnings are translated into United States dollars at the average exchange rate each quarter. We present resulting translation adjustments as a separate component of stockholders’ equity. The cumulative translation adjustments associated with the net assets of foreign subsidiaries are the only amounts recorded in Accumulated Other Comprehensive Loss in the accompanying Consolidated Statements of Stockholders’ Equity. Foreign currency transaction gains and losses not accounted for as translations are included in “Other (income) expense” in our Consolidated Statements of Operations.
Store Expenses	Store Expenses Included in “Store expenses” are costs related to operating our stores and any direct costs of support offices. These costs include labor, other direct expenses such as utilities, supplies and banking fees and indirect expenses such as store rent, building repairs and maintenance, advertising, store property taxes and insurance and regional and area management expenses
General and Administrative Expense	General and Administrative Expense Included in “General and administrative” expense are costs related to our executive and administrative offices. This includes executive and administrative salaries, wages, stock and incentive compensation, professional fees, license fees, costs related to the operation of our administrative offices such as rent, property taxes, insurance, information technology and other corporate costs.
Advertising	Advertising Advertising costs are expensed as incurred and included primarily within “Store expenses” in our Consolidated Statements of Operations.
Stock Compensation	Stock Compensation We measure share-based compensation expense at the grant date based on the price of underlying shares at that date and recognize it as expense ratably over the vesting or service period, as applicable, of the stock award. Our policy is to recognize expense on performance-based awards, where satisfaction of the performance condition is probable, ratably over the awards’ vesting period and recognize expense on awards that only have service requirements on a straight-line basis. We recognize forfeitures as they occur when calculating share-based compensation expense.
Income Taxes	Income Taxes We account for income taxes using the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying value of assets and liabilities and their tax basis and for operating loss and tax credit carryforwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the related temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized when the rate change is enacted. We consider the earnings of certain non-U.S. subsidiaries to be indefinitely invested outside the United States on the basis of estimates that future domestic cash generation will be sufficient to meet future domestic cash needs and our specific plans for reinvestment of those subsidiary earnings. We have not recorded a deferred tax liability related to the U.S. federal and state income taxes and foreign withholding taxes of our undistributed earnings of foreign subsidiaries indefinitely invested outside the U.S. We treat taxes due on future U.S. inclusions in taxable income related to Global Intangible Low-Taxed Income (“GILTI”) as a current-period expense when incurred. We may be subject to income tax audits by the respective tax authorities in any or all of the jurisdictions in which we operate or have operated within a relevant period. Significant judgment is required in determining uncertain tax positions. We utilize the required two-step approach to recognize and measure uncertain tax positions. The first step is to evaluate the tax position for recognition by determining if the weight of available evidence indicates it is more likely than not that the position will be sustained on audit, including resolution of related appeals or litigation processes. The second step is to measure the tax benefit as the largest amount that is more than 50% likely to be realized upon ultimate settlement. We consider many factors when evaluating and estimating our tax positions and tax benefits, which may require periodic adjustments, and which may not accurately forecast actual outcomes. We adjust these reserves in light of changing facts and circumstances, such as the closing of an audit or the refinement of an estimate. Changes in recognition or measurement are reflected in the period in which the change in judgment occurs. We believe adequate provisions for income taxes have been made for all periods. We recognize interest and penalties related to unrecognized tax benefits as “Income tax expense” in our Consolidated Statements of Operations. Our policy is to release income tax effects from accumulated other comprehensive income on a segregated unit of account basis. We consider our assessment of the recognition of deferred tax assets as well as estimates of uncertain tax positions to be critical estimates.
Share Repurchases	Share Repurchases When treasury shares are retired, the Company allocates the excess of the repurchase price over the par value of shares acquired between additional paid-in capital and retained earnings. The portion allocated to additional paid-in capital is limited to the pro rata portion of additional paid-in capital for the retired treasury shares. Any further excess of the repurchase price is allocated to retained earnings.
Earnings per Share and Common Stock	Earnings per Share and Common Stock We compute basic earnings per share based on the weighted average number of shares of common stock outstanding during the period. Upon our adoption of ASU 2020-06 on October 1, 2021, interest charges on the convertible debt are required to be added to net income and we calculate diluted earnings per share during the period using the if-converted method. Diluted net income (loss) and diluted weighted-average shares outstanding are adjusted to account for the impact of the assumed issuance of potential common shares that are dilutive, subject to dilution sequencing rules. Dilutive potential common shares include outstanding restricted stock awards as well as shares issuable on conversion of our outstanding convertible debt securities. Potential common shares are required to be excluded from the computation of diluted earnings per share if the assumed proceeds upon exercise or vest are greater than the cost to re-acquire the same number of shares at the average market price, and therefore the effect would be anti-dilutive. There were no participating securities outstanding during fiscal 2024, 2023 and 2022 requiring the application of the two-class method. When we are in a loss position for the period, dilutive securities are excluded from the calculation of earnings per share, as they would have an anti-dilutive effect. Our capital stock consists of two classes of common stock designated as Class A Non-Voting Common Stock (“Class A Common Stock”) and Class B Voting Common Stock (“Class B Common Stock”). The rights, preferences and privileges of the Class A and Class B Common Stock are similar except that each share of Class B Common Stock has one vote and each share of Class A Common Stock has no voting privileges, except as required by law. All Class A Common Stock is publicly held. Holders of Class B Common Stock may, individually or as a class, convert some or all of their shares into Class A Common Stock on a one-to-one basis. Class A Common Stock becomes voting common stock upon the conversion of all Class B Common Stock to Class A Common Stock. We are required to reserve the number of authorized but unissued shares of Class A Common Stock that would be issuable upon conversion of all outstanding shares of Class B Common Stock.
Recently Issued Accounting Pronouncements	Recently Issued Accounting Pronouncements In October 2023, the Financial Accounting Standards Board (“FASB”) issued ASU 2023-06, Disclosure Improvements - Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative (“ASU 2023-06”). ASU 2023-06 will impact various disclosure areas, including the statement of cash flows, accounting changes and error corrections, earnings per share, debt, equity, derivatives and transfers of financial assets. The amendments in this ASU 2023-06 will be effective on the date the related disclosures are removed from Regulation S-X or Regulation S-K by the SEC, and will no longer be effective if the SEC has not removed the applicable disclosure requirement by June 30, 2027. Early adoption is prohibited. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures. In November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures (“ASU 2023-07”). ASU 2023-07 requires disclosure of significant segment expenses regularly provided to the chief operating decision maker (“CODM”) included within segment operating profit or loss. Additionally, the ASU requires a description of how the CODM utilizes segment operating profit or loss to assess segment performance. The requirements of ASU 2023-07 are effective for the Company for fiscal years beginning after December 15, 2023 and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted, and retrospective application is required for all periods presented. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures. In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures (“ASU 2023-09”). ASU 2023-09 requires disclosure of specific categories and disaggregation of information in the rate reconciliation table. The ASU also requires disclosure of disaggregated information related to income taxes paid, income or loss from continuing operations before income tax expense or benefit and income tax expense or benefit from continuing operations. The requirements of this ASU 2023-09 are effective for the Company for fiscal years beginning after December 15, 2024. Early adoption is permitted, and the amendments should be applied on a prospective basis. Retrospective application is permitted. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures. In March 2024, the FASB issued ASU 2024-02, Codification Improvements—Amendments to Remove References to the Concepts Statements (“ASU 2024-02”). ASU 2024-02 contains amendments to the Codification that remove references to various FASB Concepts Statements. The requirements of this ASU 2024-02 are effective for the Company for fiscal years beginning after December 15, 2024 and can be applied on a prospective or retrospective basis. This standard is not expected to have a significant impact on our consolidated financial statements and related disclosures. In November 2024, the FASB issued ASU 2024-03, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses (“ASU 2024-03”). ASU 2024-03 requires disclosure in the notes to the financial statements of specified information about certain costs and expenses. The requirements of ASU 2024-03 are effective for the Company for fiscal years beginning after December 15, 2026 and interim periods within fiscal years beginning after December 15, 2027. Early adoption is permitted and should be applied either prospectively to financial statements issued for reporting periods after the effective date of this ASU or retrospectively to any or all period periods presented in the financial statements. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures.

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (Parenthetical)	12 Months Ended
	Sep. 30, 2021
Statement of Stockholders' Equity [Abstract]
Accounting Standards Update [Extensible Enumeration]	Accounting Standards Update 2020-06 [Member]

- Definition

Indicates amendment to accounting standards.

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+ Details

Segment Information - Schedule of Reconciliation of Segment Assets (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Segment Reporting Information [Line Items]
Pawn loans	$ 274,084	$ 245,766
Pawn service charges receivable, net	44,013	38,885
Inventory, net	191,923	166,477
Total assets	1,493,237	1,467,711
Operating Segments \| U.S. Pawn
Segment Reporting Information [Line Items]
Pawn loans	214,306	190,624
Pawn service charges receivable, net	39,194	34,318
Inventory, net	138,624	128,901
Total assets	1,009,226	984,539
Operating Segments \| Latin America Pawn
Segment Reporting Information [Line Items]
Pawn loans	59,778	55,142
Pawn service charges receivable, net	4,819	4,567
Inventory, net	53,299	37,576
Total assets	311,824	313,164
Operating Segments \| Other Investments
Segment Reporting Information [Line Items]
Pawn loans	0	0
Pawn service charges receivable, net	0	0
Inventory, net	0	0
Total assets	79,421	63,707
Corporate
Segment Reporting Information [Line Items]
Pawn loans	0	0
Pawn service charges receivable, net	0	0
Inventory, net	0	0
Total assets	$ 92,766	$ 106,301

Organization and Summary of Significant Accounting Policies - Leases (Details)	Sep. 30, 2024
Lessee, Lease, Description [Line Items]
Initial term of lease (in years)	10 years
Minimum
Lessee, Lease, Description [Line Items]
Initial term of lease (in years)	3 years
Initial term of finance lease (in years)	2 years
Maximum
Lessee, Lease, Description [Line Items]
Initial term of lease (in years)	10 years
Initial term of finance lease (in years)	5 years

Debt - Schedule of Interest Expense (Details) - USD ($) $ in Thousands	1 Months Ended	12 Months Ended
	Dec. 31, 2022	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Debt Instrument [Line Items]
(Gain) loss on extinguishment of debt	$ 3,500	$ 0	$ 3,545	$ 0
Senior Notes \| 2029 Convertible Notes
Debt Instrument [Line Items]
Contractual interest expense		8,625	6,900	0
Amortization of deferred financing costs		972	742	0
Total interest expense		9,597	7,642	0
Senior Notes \| 2025 Convertible Notes
Debt Instrument [Line Items]
Contractual interest expense		2,455	2,779	4,097
Amortization of deferred financing costs		509	559	797
(Gain) loss on extinguishment of debt		0	(5,389)	0
Total interest expense		2,964	(2,051)	4,894
Senior Notes \| 2024 Convertible Notes
Debt Instrument [Line Items]
Contractual interest expense		742	1,609	4,133
Amortization of deferred financing costs		124	260	635
(Gain) loss on extinguishment of debt		0	8,935	0
Total interest expense		$ 866	$ 10,804	$ 4,768

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

+ Details

Income Taxes (Tables)

12 Months Ended

Sep. 30, 2024

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)	2024		2023		2022

Domestic*	$	82,703	$	26,209	$	49,937
Foreign	32,905		25,424		17,776
	$	115,608	$	51,633	$	67,713

* Includes the majority of our corporate administrative costs. See Note 12: 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)	2024		2023		2022

Current:
Federal	$	20,176	$	18,753	$	9,465
State and foreign	10,983		7,219		3,143
	31,159		25,972		12,608
Deferred:
Federal	(1,719)		(11,182)		983
State and foreign	3,073		(1,620)		3,962
	1,354		(12,802)		4,945
Total income tax expense	$	32,513	$	13,170	$	17,553

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)	2024			2023			2022

Income tax expense (benefit) at the federal statutory rate	$	24,278		$	10,843		$	14,223
State taxes, net of federal benefit	3,421			1,814			1,728
Mexico inflation adjustment	(2,154)			(1,787)			(2,089)
Non-deductible items	4,169			2,655			1,705

Foreign rate differential	2,098			2,381			1,306
Change in valuation allowance	(411)			311			660
Stock compensation	(202)			(62)			(161)
Uncertain tax positions	(198)			(174)			(2,025)
Foreign withholding tax	998			—			—
Deferred tax true-up	587			(165)			3,811
Dividends received deduction	(742)			(754)			(699)
Non-deductible loss on debt restructuring	—			1,710			—
U.S. GAAP/statutory book adjustments	(239)			(1,143)			—
Other	908			(2,459)			(906)
Total income tax expense	$	32,513		$	13,170		$	17,553
Effective tax rate	28		%	26		%	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)	2024		2023

Deferred tax assets:
Cash Converters	$	20,051	$	20,364
Tax over book inventory	8,595		8,186
Accrued liabilities	7,958		7,689
Pawn service charges receivable	3,182		2,764
Stock compensation	1,718		1,645
Foreign tax credit	1,696		1,696
State and foreign net operating loss carryforwards	13,030		14,547
Book over tax depreciation	7,052		7,298
Operating lease liabilities	52,444		56,720
Other	6,510		7,612
Total deferred tax assets before valuation allowance	122,236		128,521
Valuation allowance	(15,685)		(16,885)
Total deferred tax assets, net	106,551		111,636
Deferred tax liabilities:
Tax over book amortization	31,436		30,906

Right-of-use assets, net	49,747		53,366
Prepaid expenses	2,086		2,097
Total deferred tax liabilities	83,269		86,369
Net deferred tax asset	$	23,282	$	25,267

Schedule of Unrecognized Tax Benefits

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


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

Beginning balance	$	3,293	$	3,568	$	4,763
Increase for tax positions taken during a prior period	223		396		547

Decrease for tax positions taken during a prior period	(337)		(259)		—
Decrease for tax positions as a result of the lapse of the statute of limitations	(378)		(412)		(1,742)
Ending balance	$	2,801	$	3,293	$	3,568

Organization and Summary of Significant Accounting Policies - Inventory and Cash and Cash Equivalents and Cash Concentrations (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Inventory [Line Items]
Inventory, net	$ 191,923	$ 166,477
PLO del Bajio S. de. R.L. de C.V.
Inventory [Line Items]
Restricted cash	500	300
Grupo Finmart
Inventory [Line Items]
Escrow deposit	8,800	8,100
Mexico \| Foreign \| Reportable geographical components
Inventory [Line Items]
Inventory, net	$ 42,200	$ 31,400

Earnings Per Share (Tables)

12 Months Ended

Sep. 30, 2024

Earnings Per Share [Abstract]

Schedule of Net Components of Basic and Diluted Earnings Per Share

The following table reconciles the number of common shares used to compute basic and diluted earnings per common share:


	Fiscal Year Ended September 30,
(in thousands, except per share amounts)	2024		2023		2022

Basic earnings per common share:
Net Income - Basic	$	83,095	$	38,463	$	50,160
Weighted shares outstanding - Basic	54,935		55,586		56,498
Basic earnings per common share	$	1.51	$	0.69	$	0.89

Diluted earnings per common share:
Net Income - Basic	$	83,095	$	38,463	$	50,160
Add: Convertible Notes interest expense, net of tax*	9,947		4,327		7,489



Net Income - Diluted	$	93,042	$	42,790	$	57,649
Weighted shares outstanding - basic	54,935		55,586		56,498
Equity-based compensation awards - effect of dilution**	1,651		1,482		678
Convertible Notes - effect of dilution***	27,862		23,797		25,224



Weighted Shares Outstanding - Diluted	84,448		80,865		82,400
Diluted earnings per common share	$	1.10	$	0.53	$	0.70

Potential common shares excluded from the calculation of diluted earnings per share above:

Convertible Notes***	—		5,596		—



Restricted stock****	782		801		1,975
Total	782		6,397		1,975

* Effective January 1, 2024, we were required to combination settle the 2024 Convertible Notes. Only the first quarter of 2024 interest expense is included for the year ended September 30, 2024. The year ended September 30, 2023 includes $5.4 million gain on the partial extinguishment of debt, associated with the 2025 Convertible Notes, which was recorded to “Interest expense” in our condensed consolidated statement of operations. See Note 7: Debt for additional information.

** Includes time-based share-based awards and performance-based awards for which targets for fiscal year tranches have been achieved and vesting is subject only to achievement of service conditions.

*** As we were required to combination settle the 2024 Convertible Notes effective January 1, 2024, only weighted average shares of 883,283 were included until settlement on July 1, 2024. On July 1, 2024, the $34.4 million aggregate principal amount outstanding plus accrued interest was repaid using cash on hand and 77,328 shares of Class A Common Stock, equal to the accreted value, were issued as part of the 2024 Convertible Notes conversion. The 2024 Convertible Notes were considered anti-dilutive in the sequencing calculation for the fiscal year ended September 30, 2023. See Note 7: Debt for conversion price, initial conversion rate and additional information on the 2024 Convertible Notes, 2025 Convertible Notes and 2029 Convertible Notes.

**** Includes antidilutive share-based awards and performance-based share-based awards that are contingently issuable, but for which the condition for issuance has not been met as of the end of the reporting period.

Earnings Per Share

12 Months Ended

Sep. 30, 2024

Earnings Per Share [Abstract]

Earnings Per Share

NOTE 2: EARNINGS PER SHARE

The following table reconciles the number of common shares used to compute basic and diluted earnings per common share:


	Fiscal Year Ended September 30,
(in thousands, except per share amounts)	2024		2023		2022

Basic earnings per common share:
Net Income - Basic	$	83,095	$	38,463	$	50,160
Weighted shares outstanding - Basic	54,935		55,586		56,498
Basic earnings per common share	$	1.51	$	0.69	$	0.89

Diluted earnings per common share:
Net Income - Basic	$	83,095	$	38,463	$	50,160
Add: Convertible Notes interest expense, net of tax*	9,947		4,327		7,489



Net Income - Diluted	$	93,042	$	42,790	$	57,649
Weighted shares outstanding - basic	54,935		55,586		56,498
Equity-based compensation awards - effect of dilution**	1,651		1,482		678
Convertible Notes - effect of dilution***	27,862		23,797		25,224



Weighted Shares Outstanding - Diluted	84,448		80,865		82,400
Diluted earnings per common share	$	1.10	$	0.53	$	0.70

Potential common shares excluded from the calculation of diluted earnings per share above:

Convertible Notes***	—		5,596		—



Restricted stock****	782		801		1,975
Total	782		6,397		1,975

** Includes time-based share-based awards and performance-based awards for which targets for fiscal year tranches have been achieved and vesting is subject only to achievement of service conditions.

Property and Equipment (Tables)

12 Months Ended

Sep. 30, 2024

Property, Plant and Equipment [Abstract]

Schedule of Major Classifications of Property and Equipment

Major classifications of property and equipment were as follows:


	September 30,
	2024						2023
(in thousands)	Carrying Amount		Accumulated Depreciation		Net Book Value		Carrying Amount		Accumulated Depreciation		Net Book Value

Land	$	4	$	—	$	4	$	4	$	—	$	4
Buildings and improvements	145,001		(105,337)		39,664		146,687		(109,710)		36,977
Furniture and equipment	100,823		(74,882)		25,941		164,818		(133,870)		30,948
Software	34,886		(34,522)		364		33,952		(33,785)		167

	$	280,714	$	(214,741)	$	65,973	$	345,461	$	(277,365)	$	68,096

Organization and Summary of Significant Accounting Policies - Earnings Per Share and Common Stock (Details) - Common Class B	Sep. 30, 2024 vote
Class of Stock [Line Items]
Number of votes per share	1
Convertible common stock conversion ratio	100.00%

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

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+ Details

Debt - Schedule of Debt Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Debt Instrument [Line Items]
Gross Amount	$ 333,373	$ 367,762
Less current portion, Gross Amount	103,373	34,389
Gross Amount, excluding current maturities	230,000	333,373
Debt Issuance Costs	(6,045)	(7,650)
Less current portion, Debt Issuance Costs	(301)	(124)
Debt Issuance Costs, excluding current portion	(5,744)	(7,526)
Long-Term Debt, Total	327,328	360,112
Less current portion, carrying amount	103,072	34,265
Carrying Amount	224,256	325,847
Senior Notes
Debt Instrument [Line Items]
Gross Amount	333,373
Senior Notes \| 2029 Convertible Notes
Debt Instrument [Line Items]
Gross Amount	230,000	230,000
Debt Issuance Costs	(5,744)	(6,716)
Long-Term Debt, Total	224,256	223,284
Senior Notes \| 2025 Convertible Notes
Debt Instrument [Line Items]
Gross Amount	103,373	103,373
Debt Issuance Costs	(301)	(810)
Long-Term Debt, Total	103,072	102,563
Senior Notes \| 2024 Convertible Notes
Debt Instrument [Line Items]
Gross Amount	0	34,389
Debt Issuance Costs	0	(124)
Long-Term Debt, Total	$ 0	$ 34,265

Segment Information

12 Months Ended

Sep. 30, 2024

Segment Reporting [Abstract]

Segment Information

NOTE 12: SEGMENT INFORMATION

Our operations are primarily managed on a geographical basis and consist of three reportable segments. The factors for determining our reportable segments include the manner in which our chief operating decision maker (“CODM”) evaluates performance for purposes of allocating resources and assessing performance.

We currently report our segments as follows:

•U.S. Pawn — All pawn activities in the United States.

•Latin America Pawn — All pawn activities in Mexico and other parts of Latin America.

•Other Investments — Primarily our equity interest in Cash Converters and our investment in and notes receivable from Founders.

There are no inter-segment revenues presented below, and the amounts below were determined in accordance with the same accounting principles used in our consolidated financial statements.

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

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

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


	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

- Definition

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

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+ Details

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Current assets:
Cash and cash equivalents	$ 170,513	$ 220,595
Restricted cash	9,294	8,373
Pawn loans	274,084	245,766
Pawn service charges receivable, net	44,013	38,885
Inventory, net	191,923	166,477
Prepaid expenses and other current assets	39,171	39,623
Total current assets	728,998	719,719
Investments in unconsolidated affiliates	13,329	10,987
Other investments	51,900	36,220
Property and equipment, net	65,973	68,096
Operating lease liabilities	226,602	234,388
Goodwill	306,478	302,372
Intangible assets, net	58,451	58,216
Deferred tax asset, net	25,362	25,702
Other assets, net	16,144	12,011
Total assets	1,493,237	1,467,711
Current liabilities:
Current maturities of long-term debt, net	103,072	34,265
Accounts payable, accrued expenses and other current liabilities	85,737	81,605
Customer layaway deposits	21,570	18,920
Operating lease liabilities, current	58,998	57,182
Total current liabilities	269,377	191,972
Long-term debt, net	224,256	325,847
Deferred tax liability, net	2,080	435
Operating lease liabilities	180,616	193,187
Other long-term liabilities	12,337	10,502
Total liabilities	688,666	721,943
Commitments and contingencies (Note 11)
Stockholders’ equity:
Additional paid-in capital	348,366	346,181
Retained earnings	507,206	431,140
Accumulated other comprehensive loss	(51,547)	(32,102)
Total equity	804,571	745,768
Total liabilities and equity	1,493,237	1,467,711
Common Stock Class A Non-Voting
Stockholders’ equity:
Common Stock	516	519
Common Stock Class B Voting
Stockholders’ equity:
Common Stock	$ 30	$ 30

Strategic Investments - Summarized Financial Information (Details) - USD ($) $ in Thousands	9 Months Ended			12 Months Ended
	Jun. 30, 2024	Jun. 30, 2023	Jun. 30, 2022	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Summary of financial information for Cash Converters International Limited
Current assets				$ 728,998	$ 719,719
Total assets				1,493,237	1,467,711
Current liabilities				269,377	191,972
Total liabilities and equity				1,493,237	1,467,711
Gross profit				682,273	609,838	$ 528,147
Net profit (loss)				$ 83,095	$ 38,463	$ 50,160
Cash Converters International Limited
Summary of financial information for Cash Converters International Limited
Current assets	$ 185,649	$ 189,563
Non-current assets	133,043	103,595
Total assets	318,692	293,158
Current liabilities	103,771	97,630
Non-current liabilities	74,010	58,777
Shareholders’ equity	140,911	136,751
Total liabilities and equity	318,692	293,158
Gross revenues	251,135	203,608	$ 178,215
Gross profit	152,879	125,709	116,106
Net profit (loss)	$ 11,420	$ (65,351)	$ 8,099

CONSOLIDATED BALANCE SHEETS (Parenthetical) - $ / shares	Sep. 30, 2024	Sep. 30, 2023
Common Stock Class A Non-Voting
Stockholders’ equity:
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	51,582,698	51,869,569
Common stock, shares outstanding (in shares)	51,582,698	51,869,569
Common Stock Class B Voting
Stockholders’ equity:
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	3,000,000	3,000,000
Common stock, shares issued (in shares)	2,970,171	2,970,171
Common stock, shares outstanding (in shares)	2,970,171	2,970,171

Organization and Summary of Significant Accounting Policies - Foreign Currency and Advertising (Details) - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Advertising expense	$ 6.2	$ 4.9	$ 2.3
Digital Advertising
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Advertising expense	$ 3.6	$ 2.9	$ 0.3

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

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-URI https://asc.fasb.org/1943274/2147480016/944-40-65-2

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+ Details

Goodwill and Intangible Assets (Tables)

12 Months Ended

Sep. 30, 2024

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of Changes in the Carrying Value of Goodwill, by Segment

The following table presents the changes in the carrying value of goodwill by segment:


(in thousands)	U.S. Pawn		Latin America Pawn		Consolidated

Balances as of September 30, 2022	$	245,503	$	41,325	$	286,828
Acquisitions(a)	10,439		—		10,439



Effect of foreign currency translation changes	—		5,105		5,105
Balances as of September 30, 2023	$	255,942	$	46,430	$	302,372
Acquisitions(a)	8,486		—		8,486


Effect of foreign currency translation changes	—		(4,380)		(4,380)
Balances as of September 30, 2024	$	264,428	$	42,050	$	306,478

(a) Amount represents goodwill recognized in connection with acquisitions within the U.S. Pawn segment that were immaterial, individually and in the aggregate, and we have therefore omitted certain disclosures.

Schedule of Finite-lived Intangible Assets

The following table presents the balance of each major class of intangible assets:


	September 30,
(in thousands)	2024		2023

Non-amortizing intangible assets:
Trade names	$	18,771	$	19,793
Pawn licenses	9,534		9,535
	$	28,305	$	29,328

Amortizing intangible assets:
Internally developed software	$	103,428	$	89,488
Accumulated amortization	(73,318)		(60,628)

	$	30,110	$	28,860

Other	$	2,303	$	2,346
Accumulated amortization	(2,267)		(2,318)
	$	36	$	28
Intangible assets, net	$	58,451	$	58,216

Schedule of Indefinite-lived Intangible Assets

The following table presents the balance of each major class of intangible assets:


	September 30,
(in thousands)	2024		2023

Non-amortizing intangible assets:
Trade names	$	18,771	$	19,793
Pawn licenses	9,534		9,535
	$	28,305	$	29,328

Amortizing intangible assets:
Internally developed software	$	103,428	$	89,488
Accumulated amortization	(73,318)		(60,628)

	$	30,110	$	28,860

Other	$	2,303	$	2,346
Accumulated amortization	(2,267)		(2,318)
	$	36	$	28
Intangible assets, net	$	58,451	$	58,216

Schedule of Estimate of the Amount and Classification of Amortization Expense for Definite-lived Intangible Assets

As of September 30, 2024, our estimate of future amortization expense for definite-lived intangible assets is as follows (in thousands):


2025	$	10,674
2026	8,257
2027	6,008
2028	3,485
2029	1,708
Thereafter	14
	$	30,146

- Definition

Tabular disclosure of goodwill by reportable segment and in total which includes a rollforward schedule.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
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+ Details

Debt - Convertible Senior Notes Due 2025 (Details)	May 14, 2018 USD ($) $ / shares	Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($)
Debt Instrument [Line Items]
Amount outstanding		$ 333,373,000	$ 367,762,000
Senior Notes
Debt Instrument [Line Items]
Amount outstanding		333,373,000
2025 Convertible Notes \| Senior Notes
Debt Instrument [Line Items]
Stated interest rate	2.375%
Debt instrument, face amount	$ 172,500,000
Amount outstanding		$ 103,373,000	$ 103,373,000
Interest rate, effective percentage		2.88%
Conversion rate per $1,000 principal amount (in shares)	0.0628931
Conversion price, per share (in dollars per share) \| $ / shares	$ 15.90
Unrecorded debt discount and issuance costs		$ 300,000

Segment Information (Tables)

12 Months Ended

Sep. 30, 2024

Segment Reporting [Abstract]

Schedule of Operating Segment Information


	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

Income Taxes - Schedule of Reconciliation of Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Provision for income taxes attributable to continuing operations
Income tax expense (benefit) at the federal statutory rate	$ 24,278	$ 10,843	$ 14,223
State taxes, net of federal benefit	3,421	1,814	1,728
Mexico inflation adjustment	(2,154)	(1,787)	(2,089)
Non-deductible items	4,169	2,655	1,705
Foreign rate differential	2,098	2,381	1,306
Change in valuation allowance	(411)	311	660
Stock compensation	(202)	(62)	(161)
Uncertain tax positions	(198)	(174)	(2,025)
Foreign withholding tax	998	0	0
Deferred tax true-up	587	(165)	3,811
Dividends received deduction	(742)	(754)	(699)
Non-deductible loss on debt restructuring	0	1,710	0
U.S. GAAP/statutory book adjustments	(239)	(1,143)	0
Other	908	(2,459)	(906)
Total income tax expense	$ 32,513	$ 13,170	$ 17,553
Effective tax rate	28.00%	26.00%	26.00%

Leases - Schedule of Assets and Liabilities Recognized Upon Adoption (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Lease assets:
Operating lease right-of-use assets	$ 226,602	$ 234,388
Financing lease assets	1,559	2,178
Total lease assets	228,161	236,566
Current:
Operating lease liabilities	58,998	57,182
Financing lease liabilities	570	530
Total current lease liabilities	59,568	57,712
Non-current:
Operating Lease liabilities	180,616	193,187
Financing lease liabilities	1,110	1,715
Total non-current lease liabilities	181,726	194,902
Total lease liabilities	$ 241,294	$ 252,614
Finance Lease, Right-of-Use Asset, Statement of Financial Position [Extensible Enumeration]	Other Assets, Noncurrent	Other Assets, Noncurrent
Finance Lease, Liability, Current, Statement of Financial Position [Extensible Enumeration]	Accounts payable, accrued expenses and other current liabilities	Accounts payable, accrued expenses and other current liabilities
Finance Lease, Liability, Noncurrent, Statement of Financial Position [Extensible Enumeration]	Other Liabilities, Noncurrent	Other Liabilities, Noncurrent

Strategic Investments - Additional Information (Details) - USD ($)	1 Months Ended	12 Months Ended
	Oct. 31, 2024	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Schedule of Equity Method Investments [Line Items]
Dividends from unconsolidated affiliates		$ 0	$ 0	$ 3,366,000
Equity in income (loss) from investment in unconsolidated affiliates		4,711,000	(28,459,000)	1,779,000
Goodwill impairment loss		$ 0	0	0	$ 41,300,000
Cash Converters International Limited
Schedule of Equity Method Investments [Line Items]
Shares owned (in shares)		273,939,157
Ownership percentage		43.70%
Dividends from unconsolidated affiliates		$ 3,500,000	3,600,000	3,400,000
Equity in income (loss) from investment in unconsolidated affiliates		5,000,000.0	(28,500,000)	2,900,000
Goodwill impairment loss		32,400,000
Retained earnings		(14,700,000)
Cash Converters International Limited \| Subsequent event
Schedule of Equity Method Investments [Line Items]
Dividends from unconsolidated affiliates	$ 1,800,000
Founders One LLC
Schedule of Equity Method Investments [Line Items]
Payments to acquire equity investment		15,000,000	15,000,000	$ 15,000,000
Notes receivable, net		15,000,000	$ 15,000,000
Equity securities, carrying value		$ 45,000,000

Cover Page - USD ($) $ in Millions	12 Months Ended
Cover Page - USD ($) $ in Millions	Sep. 30, 2024	Nov. 06, 2024	Mar. 31, 2024
Document Information [Line Items]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Sep. 30, 2024
Current Fiscal Year End Date	--09-30
Document Transition Report	false
Entity File Number	0-19424
Entity Registrant Name	EZCORP, INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	74-2540145
Entity Address, Address Line One	2500 Bee Cave Road
Entity Address, Address Line Two	Bldg One
Entity Address, Address Line Three	Suite 200
Entity Address, City or Town	Rollingwood
Entity Address, State or Province	TX
Entity Address, Postal Zip Code	78746
City Area Code	512
Local Phone Number	314-3400
Title of 12(b) Security	Class A Non-voting Common Stock, $.01 par value per share
Trading Symbol	EZPW
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Document Financial Statement Error Correction [Flag]	false
Entity Shell Company	false
Entity Public Float			$ 567
Documents Incorporated by Reference	None
Entity Central Index Key	0000876523
Document Fiscal Year Focus	2024
Document Fiscal Period Focus	FY
Amendment Flag	false
Common Stock Class A Non-Voting
Document Information [Line Items]
Entity Common Stock, Shares Outstanding (in shares)		51,495,277
Common Stock Class B Voting
Document Information [Line Items]
Entity Common Stock, Shares Outstanding (in shares)		2,970,171

Leases

12 Months Ended

Sep. 30, 2024

Leases [Abstract]

Leases

NOTE 10: LEASES

The table below presents balances of our lease assets and liabilities and their balance sheet locations for both operating and financing leases:


(in thousands)	Balance Sheet Location	September 30, 2024		September 30, 2023

Lease assets:
Operating lease right-of-use assets	Right-of-use assets, net	$	226,602	$	234,388
Financing lease assets	Other assets, net	1,559		2,178
Total lease assets		$	228,161	$	236,566

Lease liabilities:
Current:
Operating lease liabilities	Operating lease liabilities, current	$	58,998	$	57,182
Financing lease liabilities	Accounts payable, accrued expenses and other current liabilities	570		530
Total current lease liabilities		$	59,568	$	57,712

Non-current:
Operating Lease liabilities	Operating lease liabilities	$	180,616	$	193,187
Financing lease liabilities	Other long-term liabilities	1,110		1,715
Total non-current lease liabilities		$	181,726	$	194,902
Total lease liabilities		$	241,294	$	252,614

The table below provides major components of our lease costs:


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

Operating lease cost:
Operating lease cost *	$	79,184	$	74,086	$	67,414
Variable lease cost	17,732		16,315		15,229
Total operating lease cost	$	96,916	$	90,401	$	82,643

Financing lease cost:
Amortization of financing lease assets	$	568	$	327	$	3
Interest on financing lease liabilities	215		145		1
Total financing lease cost	$	783	$	472	$	4
Total lease cost	$	97,699	$	90,873	$	82,647

* Includes a reduction for sublease rental income of $3.1 million, $3.7 million and $3.6 million for fiscal years ending September 2024, 2023 and 2022, respectively.

Lease expense is recognized on a straight-line basis over the lease term with variable lease expense recognized in the period in which the costs are incurred. The components of lease expense are included in “Store expenses” and “General and administrative” expense, based on the underlying lease use. Cash paid for operating leases was $79.7 million, $76.7 million and $72.3 million for the fiscal years ended September 30, 2024, 2023 and 2022, respectively. Cash paid for principal and interest on finance leases was $0.5 million and $0.2 million respectively, for the fiscal year ended September 30, 2024, and $0.3 million and $0.1 million, respectively, for the fiscal year ended September 30, 2023. There was no cash paid for finance leases for the fiscal year ended September 30, 2022.

The weighted- average term and discount rates for leases are as follows:


	Fiscal Year Ended September 30,
	2024		2023
Weighted-average remaining lease term (years):
Operating leases	4.81		4.97
Financing leases	2.77		3.67

Weighted-average discount rate:
Operating leases	8.30	%	8.51	%
Financing leases	11.14	%	11.14	%

As of September 30, 2024, maturities of lease liabilities under ASC 842 by fiscal year were as follows (in thousands):


	Operating Leases		Financing Leases
Fiscal 2025	$	75,923	$	716
Fiscal 2026	65,945		733
Fiscal 2027	51,645		469
Fiscal 2028	36,755		37
Fiscal 2029	23,146		1
Thereafter	38,010		—
Total lease liabilities	$	291,424	$	1,956
Less: portion representing imputed interest	51,810		276
Total net lease liabilities	$	239,614	$	1,680
Less: current portion	58,998		570
Total long term net lease liabilities	$	180,616	$	1,110

In December 2014, we entered into a non-cancelable 13-year operating lease for our corporate offices, with rent payments beginning February 2016 and ending March 2029. Annual rent, net of square footage subsequently terminated as a result of negotiations with the landlord, escalate from $2.5 million at lease inception to $3.9 million in the terminal year of the lease.

The lease includes two five-year extension options at the end of the initial lease term. The estimated minimum future rental payments under the lease are approximately $15.4 million as of September 30, 2024. As of September 30, 2024, we have subleases in place for a portion of our corporate operating office lease for estimated minimum future sublease payments of approximately $5.1 million.

In fiscal 2023, we assessed the recoverability of the right-of-use asset for our corporate office, primarily due to the termination of a significant sublease. We determined the undiscounted cash flows of the relative corporate lease and sublease did not exceed the net book value of the right-of-use asset. We then determined the fair value of the corporate lease and sublease did not exceed the book value of the right-of-use asset, and an impairment charge of $4.3 million was recorded in fiscal 2023 to “Impairment of other assets” in the Consolidated Statements of Operations.

The following table presents our corporate office lease measured at fair value as a result of the aforementioned impairment charges aggregated by the level in the fair value hierarchy within which measurements fall on a non-recurring basis at September 30, 2023, and the related impairment charge recorded (in thousands):


	Fair Value as of September 30, 2023								Fiscal Year Ended 2023
	Level 1		Level 2		Level 3		Total		Impairment Charges
Corporate office	$	—	$	—	$	6,233	$	6,233	$	4,343

We recorded $55.3 million, $66.5 million and 69.4 million in non-cash additions to our operating right-of-use assets and lease liabilities for the fiscal year ended September 30, 2024, 2023 and 2022, respectively. We recorded $0.2 million and $2.5 million in non-cash additions to our finance right-of-use assets and lease liabilities for the year ended September 30, 2024 and 2023, respectively.

Leases

NOTE 10: LEASES

The table below presents balances of our lease assets and liabilities and their balance sheet locations for both operating and financing leases:


(in thousands)	Balance Sheet Location	September 30, 2024		September 30, 2023

Lease assets:
Operating lease right-of-use assets	Right-of-use assets, net	$	226,602	$	234,388
Financing lease assets	Other assets, net	1,559		2,178
Total lease assets		$	228,161	$	236,566

Lease liabilities:
Current:
Operating lease liabilities	Operating lease liabilities, current	$	58,998	$	57,182
Financing lease liabilities	Accounts payable, accrued expenses and other current liabilities	570		530
Total current lease liabilities		$	59,568	$	57,712

Non-current:
Operating Lease liabilities	Operating lease liabilities	$	180,616	$	193,187
Financing lease liabilities	Other long-term liabilities	1,110		1,715
Total non-current lease liabilities		$	181,726	$	194,902
Total lease liabilities		$	241,294	$	252,614

The table below provides major components of our lease costs:


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

Operating lease cost:
Operating lease cost *	$	79,184	$	74,086	$	67,414
Variable lease cost	17,732		16,315		15,229
Total operating lease cost	$	96,916	$	90,401	$	82,643

Financing lease cost:
Amortization of financing lease assets	$	568	$	327	$	3
Interest on financing lease liabilities	215		145		1
Total financing lease cost	$	783	$	472	$	4
Total lease cost	$	97,699	$	90,873	$	82,647

* Includes a reduction for sublease rental income of $3.1 million, $3.7 million and $3.6 million for fiscal years ending September 2024, 2023 and 2022, respectively.

The weighted- average term and discount rates for leases are as follows:


	Fiscal Year Ended September 30,
	2024		2023
Weighted-average remaining lease term (years):
Operating leases	4.81		4.97
Financing leases	2.77		3.67

Weighted-average discount rate:
Operating leases	8.30	%	8.51	%
Financing leases	11.14	%	11.14	%

As of September 30, 2024, maturities of lease liabilities under ASC 842 by fiscal year were as follows (in thousands):


	Operating Leases		Financing Leases
Fiscal 2025	$	75,923	$	716
Fiscal 2026	65,945		733
Fiscal 2027	51,645		469
Fiscal 2028	36,755		37
Fiscal 2029	23,146		1
Thereafter	38,010		—
Total lease liabilities	$	291,424	$	1,956
Less: portion representing imputed interest	51,810		276
Total net lease liabilities	$	239,614	$	1,680
Less: current portion	58,998		570
Total long term net lease liabilities	$	180,616	$	1,110


	Fair Value as of September 30, 2023								Fiscal Year Ended 2023
	Level 1		Level 2		Level 3		Total		Impairment Charges
Corporate office	$	—	$	—	$	6,233	$	6,233	$	4,343

Income Taxes - Schedule of Significant Components of Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Deferred tax assets:
Cash Converters	$ 20,051	$ 20,364
Tax over book inventory	8,595	8,186
Accrued liabilities	7,958	7,689
Pawn service charges receivable	3,182	2,764
Stock compensation	1,718	1,645
Foreign tax credit	1,696	1,696
State and foreign net operating loss carryforwards	13,030	14,547
Book over tax depreciation	7,052	7,298
Operating lease liabilities	52,444	56,720
Other	6,510	7,612
Total deferred tax assets before valuation allowance	122,236	128,521
Valuation allowance	(15,685)	(16,885)
Total deferred tax assets, net	106,551	111,636
Deferred tax liabilities:
Tax over book amortization	31,436	30,906
Right-of-use assets, net	49,747	53,366
Prepaid expenses	2,086	2,097
Total deferred tax liabilities	83,269	86,369
Net deferred tax asset	$ 23,282	$ 25,267

Goodwill and Intangible Assets

12 Months Ended

Sep. 30, 2024

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Intangible Assets

NOTE 6: GOODWILL AND INTANGIBLE ASSETS

We evaluate goodwill for impairment annually on September 30 and upon the occurrence of certain triggering events or substantive changes in circumstances that indicate that the fair value of goodwill may be impaired.

As of September 30, 2024, we assessed qualitative and quantitative factors and determined that it was not more-likely-than-not that the fair values of our reporting units were less than their carrying values as of the testing date. As a result of our assessment, no goodwill impairment charge was recorded during the fiscal year ended September 30, 2024. There was no impairment charge recorded during the fiscal years ended September 30, 2023 and 2022. Accumulated goodwill impairment losses of $41.3 million were recorded prior to 2022 associated with the U.S. Pawn ($10.0 million) and Latin America Pawn ($31.3 million) segments because of the impact of the COVID-19 pandemic on typical customer behavior, which led to a significant decline in pawn loan balances and the mandated closure of stores in our GPMX countries.

The following table presents the changes in the carrying value of goodwill by segment:


(in thousands)	U.S. Pawn		Latin America Pawn		Consolidated

Balances as of September 30, 2022	$	245,503	$	41,325	$	286,828
Acquisitions(a)	10,439		—		10,439



Effect of foreign currency translation changes	—		5,105		5,105
Balances as of September 30, 2023	$	255,942	$	46,430	$	302,372
Acquisitions(a)	8,486		—		8,486


Effect of foreign currency translation changes	—		(4,380)		(4,380)
Balances as of September 30, 2024	$	264,428	$	42,050	$	306,478

As of September 30, 2024, we assessed qualitative and quantitative factors and determined that it was not more-likely-than-not that the fair values of our indefinite-lived intangible assets were less than their carrying values.

The following table presents the balance of each major class of intangible assets:


	September 30,
(in thousands)	2024		2023

Non-amortizing intangible assets:
Trade names	$	18,771	$	19,793
Pawn licenses	9,534		9,535
	$	28,305	$	29,328

Amortizing intangible assets:
Internally developed software	$	103,428	$	89,488
Accumulated amortization	(73,318)		(60,628)

	$	30,110	$	28,860

Other	$	2,303	$	2,346
Accumulated amortization	(2,267)		(2,318)
	$	36	$	28
Intangible assets, net	$	58,451	$	58,216

The amortization of most definite-lived intangible assets is recorded as amortization expense and included under “Depreciation and amortization” expense in our Consolidated Statements of Operations. These amounts were $11.6 million, $10.0 million and $11.7 million for fiscal 2024, 2023 and 2022, respectively.

A charge of $2.4 million was recorded during fiscal 2022 to ”General and administrative” expenses in our Consolidated Statements of Operations related to an asset write-down associated with an information technology software infrastructure migration.

As of September 30, 2024, our estimate of future amortization expense for definite-lived intangible assets is as follows (in thousands):


2025	$	10,674
2026	8,257
2027	6,008
2028	3,485
2029	1,708
Thereafter	14
	$	30,146

As acquisitions and dispositions occur in the future, amortization expense may vary from these estimates.

Supplemental Consolidated Financial Information

12 Months Ended

Sep. 30, 2024

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Supplemental Consolidated Financial Information

NOTE 13: SUPPLEMENTAL CONSOLIDATED FINANCIAL INFORMATION

Supplemental Consolidated Financial Information

The following table provides information on net amounts included in our Consolidated Balance Sheets:


	September 30,
(in thousands)	2024		2023

Gross pawn service charges receivable	$	57,544	$	50,881
Allowance for uncollectible pawn service charges receivable	(13,531)		(11,996)
Pawn service charges receivable, net	$	44,013	$	38,885

Gross inventory	$	194,657	$	169,138
Inventory reserves	(2,734)		(2,661)
Inventory, net	$	191,923	$	166,477

Prepaid expenses and other	$	3,350	$	4,106
Accounts receivable and other	16,482		12,797
Notes receivable	16,332		17,751
Income taxes prepaid and receivable	3,007		4,969
Prepaid expenses and other current assets	$	39,171	$	39,623





Accounts payable	$	20,850	$	23,022
Accrued payroll	13,541		11,472
Incentive accrual	19,883		18,544
Other payroll related expenses	3,999		5,262
Accrued sales and VAT taxes	3,954		5,565
Accrued income taxes payable	5,934		2,628
Other current liabilities	17,576		15,112






Account payable, accrued expenses and other current liabilities	$	85,737	$	81,605

Unrecognized tax benefits, non-current	2,835		$	2,226
Other non-current liabilities	9,502		8,276
Other long-term liabilities	$	12,337	$	10,502

Valuation and Qualifying Accounts

The following table provides information on our valuation and qualifying accounts not disclosed elsewhere:



(in thousands)	Balance at Beginning of Period		Charged to Expense		Deductions		Balance at End of Period

Allowance for valuation of inventory:
Year Ended September 30, 2024	$	2,661	$	917	$	844	$	2,734
Year Ended September 30, 2023	2,058		603		—		2,661
Year Ended September 30, 2022	4,311		—		2,253		2,058
Allowance for uncollectible pawn service charges receivable:
Year Ended September 30, 2024	$	11,996	$	1,535	$	—	$	13,531
Year Ended September 30, 2023	10,716		1,280		—		11,996
Year Ended September 30, 2022	8,023		2,693		—		10,716




Allowance for valuation of deferred tax assets:
Year Ended September 30, 2024	$	16,885	$	164	$	1,364	$	15,685
Year Ended September 30, 2023	17,966		311		1,392		16,885
Year Ended September 30, 2022	19,135		660		1,829		17,966

The following table provides supplemental disclosure of Consolidated Statements of Cash Flows information:


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
















































Supplemental disclosure of cash flow information
Cash and cash equivalents	$	170,513	$	220,595	$	206,028
Restricted cash	9,294		8,373		8,341
Total cash and cash equivalents and restricted cash	$	179,807	$	228,968	$	214,369

Cash paid during the period for interest	$	12,069	$	11,143	$	8,230
Cash paid during the period for income taxes, net	$	25,739	$	11,415	$	15,899

Non-cash investing and financing activities:
Pawn loans forfeited and transferred to inventory	$	383,374	$	330,947	$	300,487
Transfer of consideration for other investment	—		—		1,500
Transfer of equity consideration for acquisition	—		99		—
Acquisition earn-out contingency	—		2,000		—
Accrued acquisition consideration	791		1,412		—
Convertible notes share settlement	799		—		—

Leases - Schedule of Non-Recurring Basis of Fair Value Measurement of Corporate Office Lease (Details) - Corporate office $ in Thousands	12 Months Ended
	Sep. 30, 2023 USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Impairment Charges	$ 4,343
Fair Value, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	6,233
Level 1 \| Fair Value, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0
Level 2 \| Fair Value, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	0
Level 3 \| Fair Value, Nonrecurring
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value	$ 6,233

Goodwill and Intangible Assets - Schedule of Changes in the Carrying Value of Goodwill, by Segment (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Changes in the carrying value of goodwill, by segment
Beginning Balance	$ 302,372	$ 286,828
Acquisitions	8,486	10,439
Effect of foreign currency translation changes	(4,380)	5,105
Ending Balance	306,478	302,372
U.S. Pawn
Changes in the carrying value of goodwill, by segment
Beginning Balance	255,942	245,503
Acquisitions	8,486	10,439
Effect of foreign currency translation changes	0	0
Ending Balance	264,428	255,942
Latin America Pawn
Changes in the carrying value of goodwill, by segment
Beginning Balance	46,430	41,325
Acquisitions	0	0
Effect of foreign currency translation changes	(4,380)	5,105
Ending Balance	$ 42,050	$ 46,430

- Definition

Amount, after accumulated impairment loss, of asset representing future economic benefit arising from other asset acquired in business combination or from joint venture formation or both, that is not individually identified and separately recognized.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 49
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482785/280-10-55-49

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 350
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-Name Accounting Standards Codification
-Section 55
-Paragraph 24
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482548/350-20-55-24

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 820
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 100
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482078/820-10-55-100

Reference 4: http://www.xbrl.org/2003/role/exampleRef
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-Section 55
-Paragraph 10
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-URI https://asc.fasb.org/1943274/2147481372/852-10-55-10

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(15))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 350
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-Name Accounting Standards Codification
-Section 45
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482598/350-20-45-1

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482573/350-20-50-1

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 942
-SubTopic 210
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03(10)(1))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478546/942-210-S99-1

+ Details

Common Stock and Stock Compensation - Schedule of Compensation Costs Included in Net Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Share-Based Payment Arrangement [Abstract]
Share-based compensation costs	$ 10,406	$ 9,539	$ 5,053
Income tax benefit on share-based compensation	$ (1,071)	$ (1,125)	$ (557)

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Statement of Comprehensive Income [Abstract]
Foreign currency translation adjustment, tax	$ 7	$ 666	$ 229

Leases - Additional Information (Details) $ in Thousands	1 Months Ended	12 Months Ended
Leases - Additional Information (Details) $ in Thousands	Dec. 31, 2014 USD ($)	Sep. 30, 2024 USD ($) extensionOption	Sep. 30, 2023 USD ($)	Sep. 30, 2022 USD ($)
Lessee, Lease, Description [Line Items]
Operating lease payments		$ 79,700	$ 76,700	$ 72,300
Payments of finance leases		492	275	0
Interest on financing lease liabilities		$ 200	100	0
Initial term of lease (in years)		10 years
Total lease liabilities		$ 291,424
Impairment charges			4,300
Operating lease right of use asset non cash		55,300	66,500	$ 69,400
Non cash increase in finance lease, lease liabilities		$ 200	$ 2,500
Corporate Office Lease, Two Five-Year Extension Options
Lessee, Lease, Description [Line Items]
Initial term of lease (in years)	13 years
Annual rent at lease inception	$ 2,500
Annual rent in the terminal year of lease	$ 3,900
Number of extension options \| extensionOption		2
Renewable term of lease (in years)		5 years
Total lease liabilities		$ 15,400
Estimated future minimum sublease payments		$ 5,100

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands		1 Months Ended	12 Months Ended
	Jul. 01, 2024	Dec. 31, 2022	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Basic earnings per common share:
Net Income - Basic			$ 83,095	$ 38,463	$ 50,160
Weighted shares outstanding - Basic			54,935,000	55,586,000	56,498,000
Basic earnings per common share (in dollars per share)			$ 1.51	$ 0.69	$ 0.89
Diluted earnings per common share:
Net Income - Basic			$ 83,095	$ 38,463	$ 50,160
Add: Convertible Notes interest expense, net of tax			9,947	4,327	7,489
Net Income - Diluted			$ 93,042	$ 42,790	$ 57,649
Weighted shares outstanding - basic (in shares)			54,935,000	55,586,000	56,498,000
Equity-based compensation awards - effect of dilution (in shares)			1,651,000	1,482,000	678,000
Convertible Notes - effect of dilution (in shares)			27,862,000	23,797,000	25,224,000
Weighted Shares Outstanding - Diluted (in shares)			84,448,000	80,865,000	82,400,000
Diluted earnings per common share (in dollars per share)			$ 1.10	$ 0.53	$ 0.70
Potential common shares excluded from the calculation of diluted earnings per share above, restricted stock (in shares)			782,000	6,397,000	1,975,000
Gain on extinguishment of debt		$ (3,500)	$ 0	$ (3,545)	$ 0
Payments on assumed debt			34,389	178,488	0
2025 Convertible Notes
Diluted earnings per common share:
Gain on extinguishment of debt				5,400
2024 Convertible Notes \| Common Class A
Diluted earnings per common share:
Debt conversion, further issued (in shares)	77,328
2024 Convertible Notes \| Senior Notes
Diluted earnings per common share:
Gain on extinguishment of debt			$ 0	$ (8,935)	$ 0
Weighted average number of shares outstanding, diluted, adjustment	883,283
Payments on assumed debt	$ 34,400
Convertible Notes
Diluted earnings per common share:
Potential common shares excluded from the calculation of diluted earnings per share above, restricted stock (in shares)			0	5,596,000	0
Restricted stock
Diluted earnings per common share:
Potential common shares excluded from the calculation of diluted earnings per share above, restricted stock (in shares)			782,000	801,000	1,975,000

Goodwill and Intangible Assets - Schedule of Intangible Assets By Major Class (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Indefinite-lived Intangible Assets [Line Items]
Indefinite-lived intangible assets	$ 28,305	$ 29,328
Finite-Lived Intangible Assets [Line Items]
Net book value	30,146
Intangible assets, net	58,451	58,216
Trade names
Indefinite-lived Intangible Assets [Line Items]
Indefinite-lived intangible assets	18,771	19,793
Pawn licenses
Indefinite-lived Intangible Assets [Line Items]
Indefinite-lived intangible assets	9,534	9,535
Computer Software, Intangible Asset
Finite-Lived Intangible Assets [Line Items]
Carrying amount	103,428	89,488
Accumulated amortization	(73,318)	(60,628)
Net book value	30,110	28,860
Other Intangible Assets
Finite-Lived Intangible Assets [Line Items]
Carrying amount	2,303	2,346
Accumulated amortization	(2,267)	(2,318)
Net book value	$ 36	$ 28

Organization and Summary of Significant Accounting Policies - Property and Equipment (Details)	Sep. 30, 2024
Building
Property, Plant and Equipment [Line Items]
Estimated useful life	30 years
Furniture, equipment, and software development costs \| Minimum
Property, Plant and Equipment [Line Items]
Estimated useful life	2 years
Furniture, equipment, and software development costs \| Maximum
Property, Plant and Equipment [Line Items]
Estimated useful life	7 years
Leasehold improvements
Property, Plant and Equipment [Line Items]
Estimated useful life	10 years

Leases (Tables)

12 Months Ended

Sep. 30, 2024

Leases [Abstract]

Schedule of Lessee Assets and Liabilities

The table below presents balances of our lease assets and liabilities and their balance sheet locations for both operating and financing leases:


(in thousands)	Balance Sheet Location	September 30, 2024		September 30, 2023

Lease assets:
Operating lease right-of-use assets	Right-of-use assets, net	$	226,602	$	234,388
Financing lease assets	Other assets, net	1,559		2,178
Total lease assets		$	228,161	$	236,566

Lease liabilities:
Current:
Operating lease liabilities	Operating lease liabilities, current	$	58,998	$	57,182
Financing lease liabilities	Accounts payable, accrued expenses and other current liabilities	570		530
Total current lease liabilities		$	59,568	$	57,712

Non-current:
Operating Lease liabilities	Operating lease liabilities	$	180,616	$	193,187
Financing lease liabilities	Other long-term liabilities	1,110		1,715
Total non-current lease liabilities		$	181,726	$	194,902
Total lease liabilities		$	241,294	$	252,614

Schedule of Lease Cost

The table below provides major components of our lease costs:


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

Operating lease cost:
Operating lease cost *	$	79,184	$	74,086	$	67,414
Variable lease cost	17,732		16,315		15,229
Total operating lease cost	$	96,916	$	90,401	$	82,643

Financing lease cost:
Amortization of financing lease assets	$	568	$	327	$	3
Interest on financing lease liabilities	215		145		1
Total financing lease cost	$	783	$	472	$	4
Total lease cost	$	97,699	$	90,873	$	82,647

* Includes a reduction for sublease rental income of $3.1 million, $3.7 million and $3.6 million for fiscal years ending September 2024, 2023 and 2022, respectively.

The weighted- average term and discount rates for leases are as follows:


	Fiscal Year Ended September 30,
	2024		2023
Weighted-average remaining lease term (years):
Operating leases	4.81		4.97
Financing leases	2.77		3.67

Weighted-average discount rate:
Operating leases	8.30	%	8.51	%
Financing leases	11.14	%	11.14	%

Schedule of Operating Lease Maturity

As of September 30, 2024, maturities of lease liabilities under ASC 842 by fiscal year were as follows (in thousands):


	Operating Leases		Financing Leases
Fiscal 2025	$	75,923	$	716
Fiscal 2026	65,945		733
Fiscal 2027	51,645		469
Fiscal 2028	36,755		37
Fiscal 2029	23,146		1
Thereafter	38,010		—
Total lease liabilities	$	291,424	$	1,956
Less: portion representing imputed interest	51,810		276
Total net lease liabilities	$	239,614	$	1,680
Less: current portion	58,998		570
Total long term net lease liabilities	$	180,616	$	1,110

Schedule of Non-Recurring Basis of Fair Value Measurement of Corporate Office Lease


	Fair Value as of September 30, 2023								Fiscal Year Ended 2023
	Level 1		Level 2		Level 3		Total		Impairment Charges
Corporate office	$	—	$	—	$	6,233	$	6,233	$	4,343

Debt (Tables)

12 Months Ended

Sep. 30, 2024

Debt Disclosure [Abstract]

Schedule of Long-term Debt Instruments

The following table presents the Company’s debt instruments outstanding:


	September 30, 2024						September 30, 2023
(in thousands)	Gross Amount		Debt Issuance Costs		Carrying Amount		Gross Amount		Debt Issuance Costs		Carrying Amount

2029 Convertible Notes	$	230,000	$	(5,744)	$	224,256	$	230,000	$	(6,716)	$	223,284
2025 Convertible Notes	103,373		(301)		103,072		103,373		(810)		102,563
2024 Convertible Notes	—		—		—		34,389		(124)		34,265

Total	$	333,373	$	(6,045)	$	327,328	$	367,762	$	(7,650)	$	360,112
Less current portion	103,373		(301)		103,072		34,389		(124)		34,265
Total long-term debt	$	230,000	$	(5,744)	$	224,256	$	333,373	$	(7,526)	$	325,847

Schedule of Maturities of Debt

The following table presents the Company’s contractual maturities related to the debt instruments as of September 30, 2024


	Schedule of Contractual Maturities
(in thousands)	2029 Convertible Notes		2025 Convertible Notes		Total

Fiscal 2025	$	—	$	103,373	$	103,373
Fiscal 2026	—		—		—
Fiscal 2027	—		—		—
Fiscal 2028	—		—		—
Fiscal 2029	—		—		—
Thereafter	230,000		—		230,000
Total long-term debt	$	230,000	$	103,373	$	333,373

Schedule of Interest Expense

The following table presents the Company’s interest expense related to the Convertible Notes:


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





2029 Convertible Notes:
Contractual interest expense	$	8,625	$	6,900	$	—
Amortization of deferred financing costs	972		742		—

Total interest expense	$	9,597	$	7,642	$	—
2025 Convertible Notes:
Contractual interest expense	$	2,455	$	2,779	$	4,097
Amortization of deferred financing costs	509		559		797

Gain on extinguishment	—		(5,389)		—
Total interest expense	$	2,964	$	(2,051)	$	4,894
2024 Convertible Notes:
Contractual interest expense	$	742	$	1,609	$	4,133
Amortization of deferred financing costs	124		260		635

Loss on extinguishment	—		8,935		—
Total interest expense	$	866	$	10,804	$	4,768

- Definition

Tabular disclosure of long-debt instruments or arrangements, including identification, terms, features, collateral requirements and other information necessary to a fair presentation. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the entity, if longer.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(22))
-SubTopic 10
-Topic 210
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 2: http://www.xbrl.org/2003/role/exampleRef
-Topic 470
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-Name Accounting Standards Codification
-Section 55
-Paragraph 69B
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481568/470-20-55-69B

Reference 3: http://www.xbrl.org/2003/role/exampleRef
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-Name Accounting Standards Codification
-Section 55
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481568/470-20-55-69E

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
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-Name Accounting Standards Codification
-Section S99
-Paragraph 3
-Subparagraph (SX 210.12-04(a))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480678/235-10-S99-3

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
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-SubTopic 30
-Name Accounting Standards Codification
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-Paragraph 2
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482925/835-30-45-2

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-Paragraph 3
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Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef
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-Topic 505
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-URI https://asc.fasb.org/1943274/2147481112/505-10-50-8

Reference 9: http://fasb.org/us-gaap/role/ref/legacyRef
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-Name Accounting Standards Codification
-Section 50
-Paragraph 7
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481112/505-10-50-7

+ Details

Audit Information	12 Months Ended
Audit Information	Sep. 30, 2024
Audit Information [Abstract]
Auditor Firm ID	243
Auditor Name	BDO USA, P.C.
Auditor Location	Dallas, Texas

Organization and Summary of Significant Accounting Policies - Investments (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023
Schedule of Equity Method Investments [Line Items]
Equity method investments	$ 13,329	$ 10,987
Cash Converters International Limited
Schedule of Equity Method Investments [Line Items]
Income from investment, period of lag	3 months
Rich Data Corporation (RDC)
Schedule of Equity Method Investments [Line Items]
Equity method investments	$ 6,200	$ 6,200

- Definition

This item represents the carrying amount on the entity's balance sheet of its investment in common stock of an equity method investee. This is not an indicator of the fair value of the investment, rather it is the initial cost adjusted for the entity's share of earnings and losses of the investee, adjusted for any distributions (dividends) and other than temporary impairment (OTTI) losses recognized.

+ References + Details

Supplemental Consolidated Financial Information (Tables)

12 Months Ended

Sep. 30, 2024

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Schedule of Information on Net Amounts Included in the Balance Sheets

The following table provides information on net amounts included in our Consolidated Balance Sheets:


	September 30,
(in thousands)	2024		2023

Gross pawn service charges receivable	$	57,544	$	50,881
Allowance for uncollectible pawn service charges receivable	(13,531)		(11,996)
Pawn service charges receivable, net	$	44,013	$	38,885

Gross inventory	$	194,657	$	169,138
Inventory reserves	(2,734)		(2,661)
Inventory, net	$	191,923	$	166,477

Prepaid expenses and other	$	3,350	$	4,106
Accounts receivable and other	16,482		12,797
Notes receivable	16,332		17,751
Income taxes prepaid and receivable	3,007		4,969
Prepaid expenses and other current assets	$	39,171	$	39,623





Accounts payable	$	20,850	$	23,022
Accrued payroll	13,541		11,472
Incentive accrual	19,883		18,544
Other payroll related expenses	3,999		5,262
Accrued sales and VAT taxes	3,954		5,565
Accrued income taxes payable	5,934		2,628
Other current liabilities	17,576		15,112






Account payable, accrued expenses and other current liabilities	$	85,737	$	81,605

Unrecognized tax benefits, non-current	2,835		$	2,226
Other non-current liabilities	9,502		8,276
Other long-term liabilities	$	12,337	$	10,502

Schedule of Valuation and Qualifying Accounts

The following table provides information on our valuation and qualifying accounts not disclosed elsewhere:



(in thousands)	Balance at Beginning of Period		Charged to Expense		Deductions		Balance at End of Period

Allowance for valuation of inventory:
Year Ended September 30, 2024	$	2,661	$	917	$	844	$	2,734
Year Ended September 30, 2023	2,058		603		—		2,661
Year Ended September 30, 2022	4,311		—		2,253		2,058
Allowance for uncollectible pawn service charges receivable:
Year Ended September 30, 2024	$	11,996	$	1,535	$	—	$	13,531
Year Ended September 30, 2023	10,716		1,280		—		11,996
Year Ended September 30, 2022	8,023		2,693		—		10,716




Allowance for valuation of deferred tax assets:
Year Ended September 30, 2024	$	16,885	$	164	$	1,364	$	15,685
Year Ended September 30, 2023	17,966		311		1,392		16,885
Year Ended September 30, 2022	19,135		660		1,829		17,966

Schedule of Supplemental Disclosure of Consolidated Statements of Cash Flows Information

The following table provides supplemental disclosure of Consolidated Statements of Cash Flows information:


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
















































Supplemental disclosure of cash flow information
Cash and cash equivalents	$	170,513	$	220,595	$	206,028
Restricted cash	9,294		8,373		8,341
Total cash and cash equivalents and restricted cash	$	179,807	$	228,968	$	214,369

Cash paid during the period for interest	$	12,069	$	11,143	$	8,230
Cash paid during the period for income taxes, net	$	25,739	$	11,415	$	15,899

Non-cash investing and financing activities:
Pawn loans forfeited and transferred to inventory	$	383,374	$	330,947	$	300,487
Transfer of consideration for other investment	—		—		1,500
Transfer of equity consideration for acquisition	—		99		—
Acquisition earn-out contingency	—		2,000		—
Accrued acquisition consideration	791		1,412		—
Convertible notes share settlement	799		—		—

Segment Information - Schedule of Operating Segment Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Revenues:
Total revenues	$ 1,161,602	$ 1,049,041	$ 886,225
Gross profit	682,273	609,838	528,147
Segment and corporate expenses (income):
Store expenses	461,055	418,574	357,417
General and administrative	75,557	67,529	64,342
Impairment of other assets	843	4,343	0
Depreciation and amortization	33,069	32,131	32,140
Loss (gain) on sale or disposal of assets and other	(16)	208	(674)
Other operating income	(765)	(5,097)
Interest expense	13,585	16,456	9,972
Interest income	(10,575)	(7,470)	(817)
Equity in net (income) loss of unconsolidated affiliates	(4,711)	28,459	(1,779)
Other income	(1,377)	3,072	(167)
Income before income taxes	115,608	51,633	67,713
Operating Segments
Revenues:
Total revenues	1,161,602	1,049,041	886,225
Gross profit	682,273	609,838	528,147
Segment and corporate expenses (income):
Store expenses	461,055	418,574	357,417
General and administrative	0	(3)	0
Impairment of other assets	0	0
Depreciation and amortization	19,012	19,573	18,465
Loss (gain) on sale or disposal of assets and other	(137)	(174)	14
Other operating income	0	(5,097)
Interest expense	0	0	0
Interest income	(4,034)	(2,641)	(817)
Equity in net (income) loss of unconsolidated affiliates	(4,993)	28,459	(1,779)
Other income	(211)	(100)	(96)
Income before income taxes	211,581	151,247	154,943
Operating Segments \| U.S. Pawn
Revenues:
Total revenues	836,083	761,921	658,762
Gross profit	501,263	456,338	405,766
Segment and corporate expenses (income):
Store expenses	325,816	299,319	266,114
General and administrative	0	0	0
Impairment of other assets	0	0
Depreciation and amortization	10,147	10,382	10,552
Loss (gain) on sale or disposal of assets and other	3	115	51
Other operating income	0	0
Interest expense	0	0	0
Interest income	0	(2)	(2)
Equity in net (income) loss of unconsolidated affiliates	0	0	0
Other income	7	0	0
Income before income taxes	165,290	146,524	129,051
Operating Segments \| Latin America Pawn
Revenues:
Total revenues	325,484	287,065	227,352
Gross profit	180,975	153,445	122,270
Segment and corporate expenses (income):
Store expenses	135,239	119,255	91,303
General and administrative	0	(3)	0
Impairment of other assets	0	0
Depreciation and amortization	8,865	9,191	7,913
Loss (gain) on sale or disposal of assets and other	(140)	(289)	(37)
Other operating income	0	(5,097)
Interest expense	0	0	0
Interest income	(1,612)	(1,139)	(815)
Equity in net (income) loss of unconsolidated affiliates	0	0	0
Other income	(218)	(131)	(148)
Income before income taxes	38,841	31,658	24,054
Operating Segments \| Other Investments
Revenues:
Total revenues	35	55	111
Gross profit	35	55	111
Segment and corporate expenses (income):
Store expenses	0	0	0
General and administrative	0	0	0
Impairment of other assets	0	0
Depreciation and amortization	0	0	0
Loss (gain) on sale or disposal of assets and other	0	0	0
Other operating income	0	0
Interest expense	0	0	0
Interest income	(2,422)	(1,500)	0
Equity in net (income) loss of unconsolidated affiliates	(4,993)	28,459	(1,779)
Other income	0	31	52
Income before income taxes	7,450	(26,935)	1,838
Corporate Items
Revenues:
Total revenues	0	0	0
Gross profit	0	0	0
Segment and corporate expenses (income):
Store expenses	0	0	0
General and administrative	75,557	67,532	64,342
Impairment of other assets	843	4,343
Depreciation and amortization	14,057	12,558	13,675
Loss (gain) on sale or disposal of assets and other	121	382	(688)
Other operating income	(765)	0
Interest expense	13,585	16,456	9,972
Interest income	(6,541)	(4,829)	0
Equity in net (income) loss of unconsolidated affiliates	282	0	0
Other income	(1,166)	3,172	(71)
Income before income taxes	(95,973)	(99,614)	(87,230)
Merchandise sales
Revenues:
Total revenues	663,736	615,446	532,886
Cost of goods sold	427,403	394,779	329,382
Merchandise sales \| Operating Segments
Revenues:
Total revenues	663,736	615,446	532,886
Cost of goods sold	427,403	394,779	329,382
Merchandise sales \| Operating Segments \| U.S. Pawn
Revenues:
Total revenues	459,251	432,578	391,958
Cost of goods sold	288,894	267,874	230,241
Merchandise sales \| Operating Segments \| Latin America Pawn
Revenues:
Total revenues	204,485	182,868	140,928
Cost of goods sold	138,509	126,905	99,141
Merchandise sales \| Operating Segments \| Other Investments
Revenues:
Total revenues	0	0	0
Cost of goods sold	0	0	0
Merchandise sales \| Corporate Items
Revenues:
Total revenues	0	0	0
Cost of goods sold	0	0	0
Jewelry scrapping sales
Revenues:
Total revenues	61,082	49,528	32,033
Cost of goods sold	51,926	44,424	28,696
Jewelry scrapping sales \| Operating Segments
Revenues:
Total revenues	61,082	49,528	32,033
Cost of goods sold	51,926	44,424	28,696
Jewelry scrapping sales \| Operating Segments \| U.S. Pawn
Revenues:
Total revenues	54,344	43,305	25,739
Cost of goods sold	45,926	37,709	22,755
Jewelry scrapping sales \| Operating Segments \| Latin America Pawn
Revenues:
Total revenues	6,738	6,223	6,294
Cost of goods sold	6,000	6,715	5,941
Jewelry scrapping sales \| Operating Segments \| Other Investments
Revenues:
Total revenues	0	0	0
Cost of goods sold	0	0	0
Jewelry scrapping sales \| Corporate Items
Revenues:
Total revenues	0	0	0
Cost of goods sold	0	0	0
Pawn service charges
Revenues:
Total revenues	436,545	383,772	320,865
Pawn service charges \| Operating Segments
Revenues:
Total revenues	436,545	383,772	320,865
Pawn service charges \| Operating Segments \| U.S. Pawn
Revenues:
Total revenues	322,362	285,919	240,982
Pawn service charges \| Operating Segments \| Latin America Pawn
Revenues:
Total revenues	114,183	97,853	79,883
Pawn service charges \| Operating Segments \| Other Investments
Revenues:
Total revenues	0	0	0
Pawn service charges \| Corporate Items
Revenues:
Total revenues	0	0	0
Other revenues
Revenues:
Total revenues	239	295	441
Other revenues \| Operating Segments
Revenues:
Total revenues	239	295	441
Other revenues \| Operating Segments \| U.S. Pawn
Revenues:
Total revenues	126	119	83
Other revenues \| Operating Segments \| Latin America Pawn
Revenues:
Total revenues	78	121	247
Other revenues \| Operating Segments \| Other Investments
Revenues:
Total revenues	35	55	111
Other revenues \| Corporate Items
Revenues:
Total revenues	$ 0	$ 0	$ 0

Common Stock and Stock Compensation - Schedule of Restricted Stock Award Activity (Details) - USD ($) $ / shares in Units, $ in Millions	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Restricted stock
Shares
Outstanding, beginning balance (in shares)	2,555,899
Granted (in shares)	1,442,461
Released (in shares)	(1,235,235)
Cancelled (in shares)	(63,211)
Outstanding, ending balance (in shares)	2,699,914	2,555,899
Weighted Average Grant Date Fair Value
Outstanding, beginning balance (in dollars per share)share)	$ 6.80
Granted (in dollars per share)	7.59	$ 7.82	$ 7.24
Released (in dollars per share)	5.28
Cancelled (in dollars per share)	7.32
Outstanding, ending balance (in dollars per share)	$ 7.91	6.80
Performance adjustment (in shares)	353,993
Number of shares withheld to satisfy related federal income tax withholding (in shares)	380,931
Weighted average grant-date fair value per share granted (in dollars per share)	$ 7.59	$ 7.82	$ 7.24
Restricted Stock and Phantom Share-Based Awards
Weighted Average Grant Date Fair Value
Total market value of shares released	$ 10.7	$ 4.7	$ 3.7

Organization and Summary of Significant Accounting Policies - Software Development Costs (Details)	Sep. 30, 2024
Software
Property, Plant and Equipment [Line Items]
Estimated useful life	5 years

Strategic Investments

12 Months Ended

Sep. 30, 2024

Equity Method Investments and Joint Ventures [Abstract]

Strategic Investments

NOTE 3: STRATEGIC INVESTMENTS

Cash Converters International Limited

As of September 30, 2024, we owned 273,939,157 shares, or approximately 43.7%, of Cash Converters. We acquired our original investment in November 2009 and have increased our ownership through the acquisition of additional shares periodically since that time.

We received cash dividends from Cash Converters of $3.5 million, $3.6 million and $3.4 million during the years ended September 30, 2024, 2023 and 2022, respectively. In October 2024, we received a cash dividend of $1.8 million from Cash Converters.

The following tables present summary financial information for Cash Converters’ most recently reported results as applicable after translation to U.S. dollars:


	June 30,
(in thousands)	2024		2023

Current assets	$	185,649	$	189,563
Non-current assets	133,043		103,595
Total assets	$	318,692	$	293,158

Current liabilities	$	103,771	$	97,630
Non-current liabilities	74,010		58,777
Shareholders’ equity	140,911		136,751
Total liabilities and shareholders’ equity	$	318,692	$	293,158


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

Gross revenues	$	251,135	$	203,608	$	178,215
Gross profit	$	152,879	$	125,709	$	116,106
Net profit (loss)	$	11,420	$	(65,351)	$	8,099

Our equity in Cash Converters’ net income was $5.0 million and $2.9 million in fiscal 2024 and 2022, respectively. Our equity in Cash Converters’ net loss was $28.5 million in fiscal 2023, which includes $32.4 million of our share of their non-cash goodwill impairment charge. Cash Converters’ accumulated undistributed after-tax loss included in our consolidated retained earnings were $14.7 million as of September 30, 2024.

At September 30, 2024, 2023 and 2022, the fair value of our investment in Cash Converters, as estimated by reference to its quoted market price per share, was greater than its carrying value. See Note 4: Fair Value Measurements for the fair value and carrying value of our investment in Cash Converters.

Founders One, LLC

In fiscal 2022, we invested $15.0 million in exchange for a non-redeemable voting participating preferred equity interest in Founders One, LLC (“Founders”), a then newly-formed entity with one other member. In fiscal 2023, we contributed an additional $15.0 million associated with our preferred interest and loaned Founders $15.0 million in exchange for a Demand Promissory Note secured by the common interest held by the other member. In fiscal 2024, we contributed an additional $15.0 million associated with our preferred interest, bringing our total preferred equity investment in Founders to $45.0 million.

We have an interest in Founders, a variable interest entity, but because we are not the primary beneficiary, we do not consolidate Founders. Further, as we are not the appointed manager, we do not have the ability to direct the activities of the investment entity that most significantly impact its economic performance. Consequently, our equity investment in Founders is accounted for utilizing the measurement alternative within ASC 321, Investments — Equity Securities. As of September 30, 2024, our $45.0 million carrying value of the investment and $15.0 million Demand Promissory Note are included in “Other investments” and “Prepaid expenses and other current assets” in our consolidated balance sheets, respectively. As of September 30, 2024, our maximum exposure for losses related to our investment in Founders was our $45.0 million equity investment and $15.0 million Demand Promissory Note plus accrued and unpaid interest. See Note 4: Fair Value Measurements for the fair value and carrying value of our loan to Founders.

Supplemental Consolidated Financial Information - Schedule of Valuation and Qualifying Accounts (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Allowance for valuation of inventory
Valuation and Qualifying Accounts
Balance at Beginning of Period	$ 2,661	$ 2,058	$ 4,311
Charged to Expense	917	603	0
Deductions	844	0	2,253
Balance at End of Period	2,734	2,661	2,058
Allowance for uncollectible pawn service charges receivable
Valuation and Qualifying Accounts
Balance at Beginning of Period	11,996	10,716	8,023
Charged to Expense	1,535	1,280	2,693
Deductions	0	0	0
Balance at End of Period	13,531	11,996	10,716
Allowance for valuation of deferred tax assets
Valuation and Qualifying Accounts
Balance at Beginning of Period	16,885	17,966	19,135
Charged to Expense	164	311	660
Deductions	1,364	1,392	1,829
Balance at End of Period	$ 15,685	$ 16,885	$ 17,966

Supplemental Consolidated Financial Information - Schedule of Supplemental Consolidated Balance Sheet Information (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Gross pawn service charges receivable	$ 57,544	$ 50,881
Allowance for uncollectible pawn service charges receivable	(13,531)	(11,996)
Pawn service charges receivable, net	44,013	38,885
Gross inventory	194,657	169,138
Inventory reserves	(2,734)	(2,661)
Inventory, net	191,923	166,477
Prepaid expenses and other	3,350	4,106
Income taxes prepaid and receivable	3,007	4,969
Prepaid expenses and other current assets	39,171	39,623
Accounts payable	20,850	23,022
Accrued payroll	13,541	11,472
Incentive accrual	19,883	18,544
Other payroll related expenses	3,999	5,262
Accrued sales and VAT taxes	3,954	5,565
Accrued income taxes payable	5,934	2,628
Other current liabilities	17,576	15,112
Account payable, accrued expenses and other current liabilities	85,737	81,605
Unrecognized tax benefits, non-current	2,835	2,226
Other non-current liabilities	9,502	8,276
Other long-term liabilities	12,337	10,502
Accounts receivable and other
Accounts, Notes, Loans and Financing Receivable [Line Items]
Receivable	16,482	12,797
Notes receivable
Accounts, Notes, Loans and Financing Receivable [Line Items]
Receivable	$ 16,332	$ 17,751

Fair Value Measurements - Schedule of Financial Assets and Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2019	Apr. 30, 2019
Promissory note receivable due April 2024
Financial assets:
Notes receivable				$ 1,100	$ 1,100
Promissory note receivable due April 2024 \| Carrying Value
Financial assets:
Notes receivable		$ 1,251
Promissory note receivable due April 2024 \| Estimated Fair Value
Financial assets:
Notes receivable		1,251
Promissory note receivable due April 2024 \| Estimated Fair Value \| Level 1
Financial assets:
Notes receivable		0
Promissory note receivable due April 2024 \| Estimated Fair Value \| Level 2
Financial assets:
Notes receivable		0
Promissory note receivable due April 2024 \| Estimated Fair Value \| Level 3
Financial assets:
Notes receivable		1,251
Promissory note receivable from Founders
Financial assets:
Notes receivable			$ 15,000
Promissory note receivable from Founders \| Carrying Value
Financial assets:
Notes receivable	$ 15,722	16,500
Promissory note receivable from Founders \| Estimated Fair Value
Financial assets:
Notes receivable	15,722	16,500
Promissory note receivable from Founders \| Estimated Fair Value \| Level 1
Financial assets:
Notes receivable	0	0
Promissory note receivable from Founders \| Estimated Fair Value \| Level 2
Financial assets:
Notes receivable	0	0
Promissory note receivable from Founders \| Estimated Fair Value \| Level 3
Financial assets:
Notes receivable	15,722	16,500
Investments in unconsolidated affiliates \| Carrying Value
Financial assets:
Investments in unconsolidated affiliates	13,329	10,987
Investments in unconsolidated affiliates \| Estimated Fair Value
Financial assets:
Investments in unconsolidated affiliates	42,496	35,998
Investments in unconsolidated affiliates \| Estimated Fair Value \| Level 1
Financial assets:
Investments in unconsolidated affiliates	41,646	35,998
Investments in unconsolidated affiliates \| Estimated Fair Value \| Level 2
Financial assets:
Investments in unconsolidated affiliates	0	0
Investments in unconsolidated affiliates \| Estimated Fair Value \| Level 3
Financial assets:
Investments in unconsolidated affiliates	850	0
2024 Convertible Notes \| Carrying Value
Financial liabilities:
Debt instrument, fair value		34,265
2024 Convertible Notes \| Estimated Fair Value
Financial liabilities:
Debt instrument, fair value		35,765
2024 Convertible Notes \| Estimated Fair Value \| Level 1
Financial liabilities:
Debt instrument, fair value		0
2024 Convertible Notes \| Estimated Fair Value \| Level 2
Financial liabilities:
Debt instrument, fair value		35,765
2024 Convertible Notes \| Estimated Fair Value \| Level 3
Financial liabilities:
Debt instrument, fair value		0
2025 Convertible Notes \| Carrying Value
Financial liabilities:
Debt instrument, fair value	103,072	102,563
2025 Convertible Notes \| Estimated Fair Value
Financial liabilities:
Debt instrument, fair value	100,401	96,137
2025 Convertible Notes \| Estimated Fair Value \| Level 1
Financial liabilities:
Debt instrument, fair value	0	0
2025 Convertible Notes \| Estimated Fair Value \| Level 2
Financial liabilities:
Debt instrument, fair value	100,401	96,137
2025 Convertible Notes \| Estimated Fair Value \| Level 3
Financial liabilities:
Debt instrument, fair value	0	0
2029 Convertible Notes \| Carrying Value
Financial liabilities:
Debt instrument, fair value	224,256	223,284
2029 Convertible Notes \| Estimated Fair Value
Financial liabilities:
Debt instrument, fair value	273,700	224,112
2029 Convertible Notes \| Estimated Fair Value \| Level 1
Financial liabilities:
Debt instrument, fair value	0	0
2029 Convertible Notes \| Estimated Fair Value \| Level 2
Financial liabilities:
Debt instrument, fair value	273,700	224,112
2029 Convertible Notes \| Estimated Fair Value \| Level 3
Financial liabilities:
Debt instrument, fair value	$ 0	$ 0

Goodwill and Intangible Assets - Future Amortization Expense (Details) $ in Thousands	Sep. 30, 2024 USD ($)
Finite-Lived Intangible Assets, Net, Amortization Expense, Fiscal Year Maturity [Abstract]
2025	$ 10,674
2026	8,257
2027	6,008
2028	3,485
2029	1,708
Thereafter	14
Definite-lived intangible assets Total	$ 30,146

Insider Trading Policies and Procedures	12 Months Ended
Insider Trading Policies and Procedures	Sep. 30, 2024
Insider Trading Policies and Procedures [Line Items]
Insider Trading Policies and Procedures Adopted	true

Organization and Summary of Significant Accounting Policies - Description of Business (Details)	Sep. 30, 2024 store country
Description of Business [Line Items]
Number of stores	1,279
Number of countries \| country	17
Cash Converters International Limited
Description of Business [Line Items]
Number of stores	669
Ownership percentage	43.70%
United States \| Pawn Stores
Description of Business [Line Items]
Number of stores	542
Mexico \| Pawn Stores
Description of Business [Line Items]
Number of stores	565
Guatemala, El Salvador, Honduras and Peru \| Pawn Stores
Description of Business [Line Items]
Number of stores	172

Organization and Summary of Significant Accounting Policies - Pawn and Sales Revenue Recognition (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Accounts, Notes, Loans and Financing Receivable [Line Items]
Pawn loans	$ 274,084	$ 245,766
Pawn Stores Texas
Accounts, Notes, Loans and Financing Receivable [Line Items]
Pawn loans	$ 107,500	$ 95,500
Percentage of pawn loans, outstanding	39.00%	39.00%
Pawn Stores Florida
Accounts, Notes, Loans and Financing Receivable [Line Items]
Pawn loans	$ 28,600	$ 25,700
Percentage of pawn loans, outstanding	10.00%	10.00%

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY - USD ($) shares in Thousands, $ in Thousands	Total	Cumulative effect of adoption of ASU 2020-06	Common Stock	Additional Paid-in Capital	Additional Paid-in Capital Cumulative effect of adoption of ASU 2020-06	Retained Earnings	Retained Earnings Cumulative effect of adoption of ASU 2020-06	Accumulated Other Comprehensive Loss
Beginning balance (in shares) at Sep. 30, 2021			56,057
Beginning balance at Sep. 30, 2021	$ 672,238	$ (36,638)	$ 560	$ 403,312	$ (62,804)	$ 326,781	$ 26,166	$ (58,415)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	5,053			5,053
Transfer of consideration for other investment (in shares)			213
Transfer of consideration for other investment	1,500		$ 2	1,498
Release of restricted stock, net of shares withheld for taxes (in shares)			393
Release of restricted stock, net of shares withheld for taxes	4		$ 4
Taxes paid related to net share settlement of equity awards	(792)			(792)
Foreign currency translation gain (loss)	2,746					0		2,746
Purchase and retirement of treasury stock (in shares)			(238)
Purchase and retirement of treasury stock	(2,040)		$ (2)	(937)		(1,101)
Net income	50,160					50,160
Ending balance (in shares) at Sep. 30, 2022			56,425
Ending balance at Sep. 30, 2022	692,231		$ 564	345,330		402,006		(55,669)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	9,539			9,539
Transfer of equity consideration for acquisition (in shares)			10
Transfer of equity consideration for acquisition	99		$ 0	99
Release of restricted stock, net of shares withheld for taxes (in shares)			373
Release of restricted stock, net of shares withheld for taxes	5		$ 5
Taxes paid related to net share settlement of equity awards (in shares)			(1)
Taxes paid related to net share settlement of equity awards	(1,148)			(1,148)
Foreign currency translation gain (loss)	23,567							23,567
Purchase and retirement of treasury stock (in shares)			(1,967)
Purchase and retirement of treasury stock	(16,988)		$ (20)	(7,639)		(9,329)
Net income	38,463					38,463
Ending balance (in shares) at Sep. 30, 2023			54,840
Ending balance at Sep. 30, 2023	745,768		$ 549	346,181		431,140		(32,102)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	10,406			10,406
Release of restricted stock, net of shares withheld for taxes (in shares)			855
Release of restricted stock, net of shares withheld for taxes	49		$ 9	40
Settlement of conversion premium of convertible notes due 2024 (in shares)			77
Settlement of conversion premium of convertible notes due 2024	0		$ 1	(1)
Taxes paid related to net share settlement of equity awards (in shares)			0
Taxes paid related to net share settlement of equity awards	(3,294)			(3,294)
Foreign currency translation gain (loss)	(19,445)							(19,445)
Purchase and retirement of treasury stock (in shares)			(1,219)
Purchase and retirement of treasury stock	(12,008)		$ (13)	(4,966)		(7,029)
Net income	83,095					83,095
Ending balance (in shares) at Sep. 30, 2024			54,553
Ending balance at Sep. 30, 2024	$ 804,571		$ 546	$ 348,366		$ 507,206		$ (51,547)

Income Taxes - Additional Disclosures (Details) - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Operating Loss Carryforwards [Line Items]
Accrued GILTI taxes payable	$ 0.7
Decrease to the valuation allowance	1.2
Undistributed losses of foreign subsidiaries	98.2
Undistributed earnings of foreign subsidiaries, estimated taxes recognized upon distribution	5.0
Amount of foreign uncertain tax positions to expire within twelve months	0.7
Income tax penalties and interest expense (benefit)	0.5	$ 0.2	$ (0.8)
Reversal of previously accrued interest and penalties	0.4
Accrued interest and penalties	0.8	$ 0.7	$ 1.0
Undistributed foreign earnings	20.0
Liability	1.0
Domestic Tax Jurisdiction
Operating Loss Carryforwards [Line Items]
Operating loss carryforward	5.2
Foreign Tax Jurisdiction
Operating Loss Carryforwards [Line Items]
Operating loss carryforward	47.1
Tax credit carryforward	$ 1.7

Debt - Convertible Senior Notes Due 2029 (Details)				1 Months Ended	12 Months Ended
Debt - Convertible Senior Notes Due 2029 (Details)	Dec. 12, 2022 day $ / shares	May 14, 2018 USD ($) $ / shares	Jul. 05, 2017 USD ($)	Dec. 31, 2022 USD ($)	Sep. 30, 2024 USD ($)	Sep. 30, 2023 USD ($)	Sep. 30, 2022 USD ($)
Debt Instrument [Line Items]
Net loss on extinguishment of debt				$ 3,500,000	$ 0	$ 3,545,000	$ 0
2029 Convertible Notes \| Common Class A
Debt Instrument [Line Items]
Conversion rate per $1,000 principal amount (in shares)				0.0890313
2029 Convertible Notes \| Senior Notes
Debt Instrument [Line Items]
Stated interest rate				3.75%
Debt instrument, face amount				$ 230,000,000
Interest rate, effective percentage					4.28%
Conversion price, per share (in dollars per share) \| $ / shares	$ 11.23
Debt instrument, unamortized discount					$ 5,700,000
2029 Convertible Notes \| Senior Notes \| Debt Conversion, Condition One
Debt Instrument [Line Items]
Threshold trading days (whether or not consecutive) \| day	20
Threshold consecutive trading days \| day	30
Threshold percentage of stock price trigger	130.00%
2029 Convertible Notes \| Senior Notes \| Debt Conversion, Condition One \| Debt Instrument, Redemption, Period One
Debt Instrument [Line Items]
Threshold trading days (whether or not consecutive) \| day	20
Threshold consecutive trading days \| day	30
Threshold percentage of stock price trigger	130.00%
Repurchase price, percent of principal amount	100.00%
2029 Convertible Notes \| Senior Notes \| Debt Conversion, Condition Two
Debt Instrument [Line Items]
Threshold consecutive trading days \| day	5
Threshold percentage of stock price trigger	98.00%
Business day threshold \| day	5
2024 Convertible Notes \| Senior Notes
Debt Instrument [Line Items]
Stated interest rate			2.875%
Debt instrument, face amount			$ 143,750,000
Conversion rate per $1,000 principal amount (in shares)			0.1
Net loss on extinguishment of debt					$ 0	8,935,000	0
2024 Convertible Notes \| Notes Repurchases
Debt Instrument [Line Items]
Repurchased principal amount				109,400,000
Repurchased amount				117,500,000
2025 Convertible Notes \| Senior Notes
Debt Instrument [Line Items]
Stated interest rate		2.375%
Debt instrument, face amount		$ 172,500,000
Interest rate, effective percentage					2.88%
Conversion rate per $1,000 principal amount (in shares)		0.0628931
Conversion price, per share (in dollars per share) \| $ / shares		$ 15.90
Net loss on extinguishment of debt					$ 0	$ (5,389,000)	$ 0
2025 Convertible Notes \| Notes Repurchases
Debt Instrument [Line Items]
Repurchased principal amount				69,100,000
Repurchased amount				$ 62,900,000

Leases - Schedule of Lease Cost (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Operating lease cost:
Operating lease cost	$ 79,184	$ 74,086	$ 67,414
Variable lease cost	17,732	16,315	15,229
Total operating lease cost	96,916	90,401	82,643
Financing lease cost:
Amortization of financing lease assets	568	327	3
Interest on financing lease liabilities	215	145	1
Total financing lease cost	783	472	4
Total lease cost	97,699	90,873	82,647
Sublease rental income	$ 3,100	$ 3,700	$ 3,600
Weighted-average remaining lease term (years):
Operating leases	4 years 9 months 21 days	4 years 11 months 19 days
Financing leases	2 years 9 months 7 days	3 years 8 months 1 day
Weighted-average discount rate:
Operating leases	8.30%	8.51%
Financing leases	11.14%	11.14%

Income Taxes - Schedule of Components of Income Tax Provision (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Current:
Federal	$ 20,176	$ 18,753	$ 9,465
State and foreign	10,983	7,219	3,143
Total	31,159	25,972	12,608
Deferred:
Federal	(1,719)	(11,182)	983
State and foreign	3,073	(1,620)	3,962
Total	1,354	(12,802)	4,945
Total income tax expense	$ 32,513	$ 13,170	$ 17,553

- Definition

Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.

+ References

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+ Details

Supplemental Consolidated Financial Information - Schedule of Supplemental of Consolidated Statements of Cash Flows Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022	Sep. 30, 2021
Supplemental disclosure of cash flow information
Cash and cash equivalents	$ 170,513	$ 220,595	$ 206,028
Restricted cash	9,294	8,373	8,341
Total cash and cash equivalents and restricted cash	179,807	228,968	214,369	$ 263,624
Cash paid during the period for interest	12,069	11,143	8,230
Cash paid during the period for income taxes, net	25,739	11,415	15,899
Non-cash investing and financing activities:
Pawn loans forfeited and transferred to inventory	383,374	330,947	300,487
Transfer of stock consideration for other investment	0	0	1,500
Transfer of equity consideration for acquisition	0	99	0
Acquisition earn-out contingency	0	2,000	0
Accrued acquisition consideration	791	1,412
Convertible notes share settlement	$ 799	$ 0	$ 0

Segment Information - Schedule of Revenues and Long-Lived Assets by Geographic Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Revenues from External Customers and Long-Lived Assets [Line Items]
Total revenues	$ 1,161,602	$ 1,049,041	$ 886,225
Property and equipment, net	65,973	68,096
United States
Revenues from External Customers and Long-Lived Assets [Line Items]
Total revenues	836,083	761,921	658,762
Property and equipment, net	35,634	37,695
Mexico
Revenues from External Customers and Long-Lived Assets [Line Items]
Total revenues	247,613	223,765	173,122
Property and equipment, net	21,839	24,033
Other Latin America
Revenues from External Customers and Long-Lived Assets [Line Items]
Total revenues	77,871	63,300	54,230
Property and equipment, net	8,500	6,368
Other Investments
Revenues from External Customers and Long-Lived Assets [Line Items]
Total revenues	$ 35	$ 55	$ 111

- Definition

Amount, excluding tax collected from customer, of revenue from satisfaction of performance obligation by transferring promised good or service to customer. Tax collected from customer is tax assessed by governmental authority that is both imposed on and concurrent with specific revenue-producing transaction, including, but not limited to, sales, use, value added and excise.

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+ Details

Insider Trading Arrangements	12 Months Ended
Insider Trading Arrangements	Sep. 30, 2024
Trading Arrangements, by Individual
Rule 10b5-1 Arrangement Adopted	false
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false

Income Taxes - Schedule of Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Reconciliation of Unrecognized Tax Benefits
Beginning balance	$ 3,293	$ 3,568	$ 4,763
Increase for tax positions taken during a prior period	223	396	547
Decrease for tax positions taken during a prior period	(337)	(259)	0
Decrease for tax positions as a result of the lapse of the statute of limitations	(378)	(412)	(1,742)
Ending balance	$ 2,801	$ 3,293	$ 3,568

Leases - Schedule of Operating And Financing Lease Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2024	Sep. 30, 2023
Operating Leases
Fiscal 2025	$ 75,923
Fiscal 2026	65,945
Fiscal 2027	51,645
Fiscal 2028	36,755
Fiscal 2029	23,146
Thereafter	38,010
Total lease liabilities	291,424
Less: portion representing imputed interest	51,810
Total net lease liabilities	239,614
Less: current portion	58,998	$ 57,182
Total long term net lease liabilities	180,616	193,187
Financing Leases
Fiscal 2025	716
Fiscal 2026	733
Fiscal 2027	469
Fiscal 2028	37
Fiscal 2029	1
Thereafter	0
Total lease liabilities	1,956
Less: portion representing imputed interest	276
Total net lease liabilities	1,680
Less: current portion	570	530
Total long term net lease liabilities	$ 1,110	$ 1,715

Income Taxes

12 Months Ended

Sep. 30, 2024

Income Tax Disclosure [Abstract]

Income Taxes

NOTE 9: INCOME TAXES

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


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

Domestic*	$	82,703	$	26,209	$	49,937
Foreign	32,905		25,424		17,776
	$	115,608	$	51,633	$	67,713

* Includes the majority of our corporate administrative costs. See Note 12: Segment Information for information pertaining to segment contribution.

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


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

Current:
Federal	$	20,176	$	18,753	$	9,465
State and foreign	10,983		7,219		3,143
	31,159		25,972		12,608
Deferred:
Federal	(1,719)		(11,182)		983
State and foreign	3,073		(1,620)		3,962
	1,354		(12,802)		4,945
Total income tax expense	$	32,513	$	13,170	$	17,553

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)	2024			2023			2022

Income tax expense (benefit) at the federal statutory rate	$	24,278		$	10,843		$	14,223
State taxes, net of federal benefit	3,421			1,814			1,728
Mexico inflation adjustment	(2,154)			(1,787)			(2,089)
Non-deductible items	4,169			2,655			1,705

Foreign rate differential	2,098			2,381			1,306
Change in valuation allowance	(411)			311			660
Stock compensation	(202)			(62)			(161)
Uncertain tax positions	(198)			(174)			(2,025)
Foreign withholding tax	998			—			—
Deferred tax true-up	587			(165)			3,811
Dividends received deduction	(742)			(754)			(699)
Non-deductible loss on debt restructuring	—			1,710			—
U.S. GAAP/statutory book adjustments	(239)			(1,143)			—
Other	908			(2,459)			(906)
Total income tax expense	$	32,513		$	13,170		$	17,553
Effective tax rate	28		%	26		%	26		%

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


	September 30,
(in thousands)	2024		2023

Deferred tax assets:
Cash Converters	$	20,051	$	20,364
Tax over book inventory	8,595		8,186
Accrued liabilities	7,958		7,689
Pawn service charges receivable	3,182		2,764
Stock compensation	1,718		1,645
Foreign tax credit	1,696		1,696
State and foreign net operating loss carryforwards	13,030		14,547
Book over tax depreciation	7,052		7,298
Operating lease liabilities	52,444		56,720
Other	6,510		7,612
Total deferred tax assets before valuation allowance	122,236		128,521
Valuation allowance	(15,685)		(16,885)
Total deferred tax assets, net	106,551		111,636
Deferred tax liabilities:
Tax over book amortization	31,436		30,906

Right-of-use assets, net	49,747		53,366
Prepaid expenses	2,086		2,097
Total deferred tax liabilities	83,269		86,369
Net deferred tax asset	$	23,282	$	25,267

As of September 30, 2024, we had state net operating loss carryforwards of approximately $5.2 million, which begin to expire in 2025 if not utilized. We also had foreign net operating loss carryforwards of $47.1 million, which will begin to expire in 2030 if not utilized. Additionally, we have a $1.7 million foreign tax credit that will expire between 2025 to 2026 if not utilized.

Deferred tax assets and liabilities are recorded for the estimated tax impact of temporary differences between the tax basis and book basis of assets and liabilities. The Company has elected to account for the tax on GILTI as a period cost and therefore has not recorded deferred taxes related to GILTI on its foreign subsidiaries. As of September 30, 2024, tax in amount of $0.7 million has been accrued for estimated tax on GILTI that will be due. A valuation allowance is established against a deferred tax asset when it is more likely than not that the deferred tax asset will not be realized. Our valuation allowance has been established to offset certain state and foreign net operating loss carryforwards and foreign tax credit carryforwards that are not more likely than not to be utilized prior to expiration. The valuation allowance decreased by $1.2 million in fiscal 2024, primarily due to the release of valuation allowance associated with net operating losses no longer available for use. We believe our results from future operations will generate sufficient taxable income in the appropriate jurisdictions such that it is more likely than not that the remaining deferred tax assets will be realized.

Deferred taxes are not provided for undistributed earnings of foreign subsidiaries of approximately $98.2 million which are intended to be reinvested outside of the U.S. Accordingly, no provision for foreign withholding taxes associated with a distribution of those earnings has been made. We estimate that, upon distribution of our share of these earnings, we would be subject to withholding taxes of approximately $5.0 million as of September 30, 2024. We provided deferred income taxes on all undistributed earnings from Cash Converters. After extensive search for multi-store acquisitions in Guatemala, in the fourth quarter of fiscal 2024, we altered our Guatemala growth strategy to a focus on organic growth of existing stores, denovos and potentially small acquisitions. As a result, we provided for applicable foreign withholding taxes on $20 million of undistributed foreign earnings and recorded a liability of $1.0 million.

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


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

Beginning balance	$	3,293	$	3,568	$	4,763
Increase for tax positions taken during a prior period	223		396		547

Decrease for tax positions taken during a prior period	(337)		(259)		—
Decrease for tax positions as a result of the lapse of the statute of limitations	(378)		(412)		(1,742)
Ending balance	$	2,801	$	3,293	$	3,568

All of the above unrecognized tax benefits, if recognized, would impact our effective tax rate for the respective period of each ending balance. The statute of limitations will expire within the next twelve months with respect to approximately $0.7 million of foreign uncertain tax positions.

We recognize accrued interest and penalties related to unrecognized tax benefits in income tax expense. During 2024, we recognized income tax expense of $0.5 million offset by the reversal of previously accrued interest and penalties of $0.4 million due to the lapse of the statute of limitations on the associated tax position and income tax expense of $0.2 million during 2023 and an income tax benefit of $0.8 million during 2022, related to interest and penalties. The total amount of accrued interest and penalties was $0.8 million, $0.7 million and $1.0 million in 2024, 2023 and 2022, respectively.

We are subject to U.S., Mexico, Canada, Guatemala, Honduras, El Salvador, Peru, United Kingdom, and the Netherlands income taxes as well as income taxes levied by various state and local jurisdictions. With few exceptions, we are no longer subject to examinations by tax authorities for years before the tax year ended September 30, 2018. We believe that adequate provisions have been made for any adjustments that may result from tax examinations.

- Definition

The entire disclosure for income tax.

+ References

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+ Details

Strategic Investments (Tables)

12 Months Ended

Sep. 30, 2024

Equity Method Investments and Joint Ventures [Abstract]

Schedule of Equity Method Investments

The following tables present summary financial information for Cash Converters’ most recently reported results as applicable after translation to U.S. dollars:


	June 30,
(in thousands)	2024		2023

Current assets	$	185,649	$	189,563
Non-current assets	133,043		103,595
Total assets	$	318,692	$	293,158

Current liabilities	$	103,771	$	97,630
Non-current liabilities	74,010		58,777
Shareholders’ equity	140,911		136,751
Total liabilities and shareholders’ equity	$	318,692	$	293,158


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

Gross revenues	$	251,135	$	203,608	$	178,215
Gross profit	$	152,879	$	125,709	$	116,106
Net profit (loss)	$	11,420	$	(65,351)	$	8,099

CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Sep. 30, 2024	Sep. 30, 2023	Sep. 30, 2022
Revenues:
Total revenues	$ 1,161,602	$ 1,049,041	$ 886,225
Gross profit	682,273	609,838	528,147
Operating expenses:
Store expenses	461,055	418,574	357,417
General and administrative	75,557	67,529	64,342
Impairment of other assets	843	4,343	0
Depreciation and amortization	33,069	32,131	32,140
(Gain) loss on sale or disposal of assets and other	(16)	208	(674)
Other operating income	(765)	(5,097)	0
Total operating expenses	569,743	517,688	453,225
Operating income	112,530	92,150	74,922
Interest expense	13,585	16,456	9,972
Interest income	(10,575)	(7,470)	(817)
Equity in net (income) loss of unconsolidated affiliates	(4,711)	28,459	(1,779)
Other (income) expense	(1,377)	3,072	(167)
Income before income taxes	115,608	51,633	67,713
Income tax expense	32,513	13,170	17,553
Net income	$ 83,095	$ 38,463	$ 50,160
Basic earnings per share (in dollars per share)	$ 1.51	$ 0.69	$ 0.89
Diluted earnings per share (in dollars per share)	$ 1.10	$ 0.53	$ 0.70
Weighted-average basic shares outstanding (in shares)	54,935	55,586	56,498
Weighted-average diluted shares outstanding (in shares)	84,448	80,865	82,400
Merchandise sales
Revenues:
Total revenues	$ 663,736	$ 615,446	$ 532,886
Cost of goods sold	427,403	394,779	329,382
Jewelry scrapping sales
Revenues:
Total revenues	61,082	49,528	32,033
Cost of goods sold	51,926	44,424	28,696
Pawn service charges
Revenues:
Total revenues	436,545	383,772	320,865
Other revenues
Revenues:
Total revenues	$ 239	$ 295	$ 441

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

Debt

12 Months Ended

Sep. 30, 2024

Debt Disclosure [Abstract]

Debt

NOTE 7: DEBT

The following table presents the Company’s debt instruments outstanding:


	September 30, 2024						September 30, 2023
(in thousands)	Gross Amount		Debt Issuance Costs		Carrying Amount		Gross Amount		Debt Issuance Costs		Carrying Amount

2029 Convertible Notes	$	230,000	$	(5,744)	$	224,256	$	230,000	$	(6,716)	$	223,284
2025 Convertible Notes	103,373		(301)		103,072		103,373		(810)		102,563
2024 Convertible Notes	—		—		—		34,389		(124)		34,265

Total	$	333,373	$	(6,045)	$	327,328	$	367,762	$	(7,650)	$	360,112
Less current portion	103,373		(301)		103,072		34,389		(124)		34,265
Total long-term debt	$	230,000	$	(5,744)	$	224,256	$	333,373	$	(7,526)	$	325,847

The following table presents the Company’s contractual maturities related to the debt instruments as of September 30, 2024


	Schedule of Contractual Maturities
(in thousands)	2029 Convertible Notes		2025 Convertible Notes		Total

Fiscal 2025	$	—	$	103,373	$	103,373
Fiscal 2026	—		—		—
Fiscal 2027	—		—		—
Fiscal 2028	—		—		—
Fiscal 2029	—		—		—
Thereafter	230,000		—		230,000
Total long-term debt	$	230,000	$	103,373	$	333,373

The following table presents the Company’s interest expense related to the Convertible Notes:


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





2029 Convertible Notes:
Contractual interest expense	$	8,625	$	6,900	$	—
Amortization of deferred financing costs	972		742		—

Total interest expense	$	9,597	$	7,642	$	—
2025 Convertible Notes:
Contractual interest expense	$	2,455	$	2,779	$	4,097
Amortization of deferred financing costs	509		559		797

Gain on extinguishment	—		(5,389)		—
Total interest expense	$	2,964	$	(2,051)	$	4,894
2024 Convertible Notes:
Contractual interest expense	$	742	$	1,609	$	4,133
Amortization of deferred financing costs	124		260		635

Loss on extinguishment	—		8,935		—
Total interest expense	$	866	$	10,804	$	4,768

3.750% Convertible Senior Notes Due 2029

In December 2022, we issued $230.0 million aggregate principal amount of 3.750% Convertible Senior Notes Due 2029 (the “2029 Convertible Notes”), for which $230.0 million remains outstanding as of September 30, 2024. The 2029 Convertible Notes were issued pursuant to an indenture dated December 12, 2022 (the “2022 Indenture”) by and between the Company and Truist Bank, as trustee. The 2029 Convertible Notes were issued in a private offering under Rule 144A under the Securities Act of 1933. The 2029 Convertible Notes pay interest semi-annually in arrears at a rate of 3.750% per annum on June 15 and December 15 of each year, commencing June 15, 2023, and mature on December 15, 2029 (the “2029 Maturity Date”), unless converted, redeemed or repurchased in accordance with the terms prior to such date. At maturity, the holders of the 2029 Convertible Notes will be entitled to receive cash equal to the principal of the 2029 Convertible Notes plus accrued interest.

The effective interest rate for fiscal 2024 was approximately 4.28%. As of September 30, 2024, the remaining unamortized debt issuance costs will be amortized using the effective interest method through the 2029 Maturity Date assuming no early conversion.

The 2029 Convertible Notes are convertible based on an initial conversion rate of 89.0313 shares of Class A Common Stock per $1,000 principal amount (equivalent to an initial conversion price of $11.23 per share). The conversion rate will not be adjusted for any accrued and unpaid interest. The 2029 Convertible Notes contain certain make-whole fundamental change premiums and customary anti-dilution adjustments. Upon conversion, we may settle in cash, shares of Class A Common Stock or any combination thereof, at our election.

Prior to June 15, 2029, the 2029 Convertible Notes will be convertible only under the following circumstances: (1) during any fiscal quarter commencing after the fiscal quarter ending on March 31, 2023 (and only during such fiscal quarter), if the last reported sale price of our Class A Common Stock for at least 20 trading days (whether or not consecutive) during a period of 30 consecutive trading days ending on the last trading day of the immediately preceding fiscal quarter is greater than or equal to 130% of the conversion price on each applicable trading day; (2) during the five business day period after any five consecutive trading day period (the “measurement period”) in which the trading price, as defined in the 2022 Indenture, per $1,000 principal amount of notes for each trading day of the measurement period was less than 98% of the product of the last reported sale price of our Class A Common Stock and the conversion rate on such trading day; (3) if we call any or all of the 2029 Convertible Notes for redemption, at any time prior to the close of business on the business day immediately preceding the redemption date; or (4) upon the occurrence of specified corporate events, as defined in the 2022 Indenture. On or after June 15, 2029 until the close of business on the business day immediately preceding the 2029 Maturity Date, holders of 2029 Convertible Notes may, at their option, convert their 2029 Convertible Notes at any time, regardless of the foregoing circumstances.

We may not redeem the 2029 Convertible Notes prior to December 21, 2026. At our option, we may redeem for cash all or any portion of the 2029 Convertible Notes on or after December 21, 2026, if the last reported sale price of the Class A Common Stock has been at least 130% of the conversion price then in effect for at least 20 trading days (whether or not consecutive), including the trading day immediately preceding the date on which we provide notice of redemption, during any 30 consecutive trading day period ending on, and including, the trading day immediately preceding the date on which we provide notice of redemption. The redemption price will be equal to 100% of the principal amount of the 2029 Convertible Notes to be redeemed, plus accrued and unpaid interest to, but excluding, the redemption date.

As of September 30, 2024, the 2029 Convertible Notes were not convertible as no conditions of conversion had been met. Accordingly, the net balance of the 2029 Convertible Notes was classified as a non-current liability in our Consolidated Balance Sheets as of September 30, 2024. The classification of the 2029 Convertible Notes as current or non-current in the Consolidated Balance Sheets is evaluated at each balance sheet date and may change from time to time depending on whether any of the conversion conditions has been met.

If one of the conversion conditions is met in any future fiscal quarter, we will classify our net liability under the 2029 Convertible Notes as a current liability in the Consolidated Balance Sheets as of the end of that fiscal quarter. If none of the conversion conditions have been met in a future fiscal quarter prior to the one-year period immediately preceding the 2029 Maturity Date, we will classify our net liability under the 2029 Convertible Notes as a non-current liability in the Consolidated Balance Sheets as of the end of that fiscal quarter. If the note holders elect to convert their 2029 Convertible Notes prior to maturity, any unamortized debt issuance costs will be recognized as expense at the time of conversion. If the entire outstanding principal amount had been converted on September 30, 2024, we would have recorded an expense associated with the conversion, comprised of $5.7 million of unamortized debt issuance costs. As of September 30, 2024, none of the note holders had elected to convert their 2029 Convertible Notes.

The stock trading price condition and other triggers are measured on a quarter-by-quarter basis and were not met as of September 30, 2024. As of September 30, 2024, the if-converted value of the 2029 Convertible Notes did not exceed the principal amount.

Note Repurchases

In December 2022, we repurchased approximately $109.4 million aggregate principal amount of 2.875% Convertible Senior Notes Due 2024 for approximately $117.5 million plus accrued interest and approximately $69.1 million aggregate principal amount of 2.375% Convertible Senior Notes Due 2025 for approximately $62.9 million plus accrued interest and recognized a $3.5 million loss on extinguishment of debt recorded to “Interest expense” in our Consolidated Statement of Operations.

2.375% Convertible Senior Notes Due 2025

In May 2018, we issued $172.5 million aggregate principal amount of 2.375% Convertible Senior Notes Due 2025 (the “2025 Convertible Notes”), for which $103.4 million remains outstanding as of September 30, 2024. The 2025 Convertible Notes were issued pursuant to an indenture dated May 14, 2018 (the “2018 Indenture”) by and between the Company and Wells Fargo Bank, National Association, as the original trustee. Effective October 1, 2019, Truist (formerly BB&T) assumed the duties and responsibilities as trustee under the 2018 Indenture. The 2025 Convertible Notes were issued in a private offering under Rule 144A under the Securities Act of 1933. The 2025 Convertible Notes pay interest semi-annually in arrears at a rate of 2.375% per annum on May 1 and November 1 of each year, commencing November 1, 2018, and mature on May 1, 2025 (the “2025 Maturity Date”), unless converted, redeemed or repurchased in accordance with the terms prior to such date.

The effective interest rate for fiscal 2024 was approximately 2.88% for the 2025 Convertible Notes. As of September 30, 2024, the remaining unamortized debt issuance costs will be amortized using the effective interest method through the 2025 Maturity Date assuming no early conversion.

The 2025 Convertible Notes are convertible based on an initial conversion rate of 62.8931 shares of Class A Common Stock per $1,000 principal amount (equivalent to an initial conversion price of $15.90 per share). The conversion rate will not be adjusted for any accrued and unpaid interest. The 2025 Convertible Notes contain certain make-whole fundamental change premiums and customary anti-dilution adjustments. Upon conversion prior to November 1, 2024, we could settle in cash, shares of Class A Common Stock or any combination thereof, at our election.

Prior to November 1, 2024, the 2025 Convertible Notes were convertible at the option of the holders only upon certain conditions, none of which were met. On or after November 1, 2024 until the close of business on the business day immediately preceding the 2025 Maturity Date, holders of 2025 Convertible Notes may, at their option, convert their 2025 Convertible Notes at any time. Conversions occurring on or after November 1, 2024, are settled in a combination of cash and shares of Class A Common Stock, unless, by November 1, 2024, we elect another settlement method. Pursuant to the terms of the 2018 Indenture, we have elected to settle any conversions of the 2025 Convertible Notes using shares of Class A Common Stock (physical settlement). On October 28, 2024, we provided notice of that election to the trustee.

Given the 2025 Maturity Date of May 1, 2025, the net balance of the 2025 Convertible Notes was classified as a current liability in our Consolidated Balance Sheets as of September 30, 2024. If the note holders elect to convert their 2025 Convertible Notes prior to maturity, any unamortized debt issuance costs will be recognized as expense at the time of conversion. If the entire outstanding principal amount had been converted on September 30, 2024, we would have recorded an expense associated with the conversion, comprised of $0.3 million of unamortized debt issuance costs. The stock trading price condition and other triggers are measured on a quarter-by-quarter basis and were not met as of September 30, 2024. As of September 30, 2024, the if-converted value of the 2025 Convertible Notes did not exceed the principal amount and none of the note holders had elected to convert their 2025 Convertible Notes.

2.875% Convertible Senior Notes Due 2024

In July 2017, we issued $143.75 million aggregate principal amount of 2.875% Convertible Senior Notes Due 2024 (the “2024 Convertible Notes”), none of which remain outstanding as of September 30, 2024. The 2024 Convertible Notes were issued pursuant to an indenture dated July 5, 2017 (the “2017 Indenture”) by and between the Company and Wells Fargo Bank, National Association, as the original trustee. Effective October 1, 2019, Truist (formerly BB&T) assumed the duties and responsibilities as trustee under the 2017 Indenture. The 2024 Convertible Notes were issued in a private offering under Rule 144A under the Securities Act of 1933. The 2024 Convertible Notes paid interest semi-annually in arrears at a rate of 2.875% per annum on January 1 and July 1 of each year, commencing January 1, 2018, and matured on July 1, 2024 (the “2024 Maturity Date”). On July 1, 2024, the $34.4 million aggregate principal amount outstanding plus accrued interest was repaid using cash on hand and 77,328 Class A Common Stock shares, equal to the accreted value, were issued as part of the 2024 Convertible Notes conversion.

- Definition

The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
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-Name Accounting Standards Codification
-Section 50
-Paragraph 6
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-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481544/470-10-50-6

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
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Reference 11: http://www.xbrl.org/2003/role/disclosureRef
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Organization and Summary of Significant Accounting Policies	12 Months Ended
	Sep. 30, 2024
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Organization and Summary of Significant Accounting Policies	NOTE 1: ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Description of Business EZCORP, Inc. was founded in 1989 and is a provider of pawn services in the United States and Latin America. At our pawn stores, we advance cash against the value of collateralized personal property. We also sell merchandise, primarily collateral forfeited from pawn activities and pre-owned merchandise purchased from customers. We fulfill short-term cash needs to consumers, with a focus on delivering an industry-leading customer experience. As of September 30, 2024, we operated a total of 1,279 locations, consisting of: •542 United States pawn stores (operating primarily as EZPAWN or Value Pawn & Jewelry); •565 Mexico pawn stores (operating primarily as Empeño Fácil and Cash Apoyo Efectivo); and •172 pawn stores in Guatemala, El Salvador and Honduras (operating as GuatePrenda and MaxiEfectivo). We have an equity interest (43.7% as of September 30, 2024) in Cash Converters International Limited (“Cash Converters”), a publicly traded company (ASX:CCV) headquartered in Perth, Western Australia. Cash Converters and its controlled companies comprise a diverse group generating revenues from franchising, store operations, personal finance (including pawn transactions) and vehicle finance, in 669 stores across 17 countries. Additionally, we own a preferred interest in Founders One, LLC (“Founders”) that has majority ownership in Simple Management Group, Inc. (“SMG”). Basis of Presentation and Principles of Consolidation The accompanying consolidated financial statements have been prepared in accordance with generally accepted accounting principles and are expressed in U.S. dollars. They include the accounts of EZCORP, Inc., and its wholly-owned subsidiaries. We use the equity method of accounting for entities over which we exercise significant influence, but in which we have a 50% or less investment. We account for equity investments in entities over which we do not exercise significant influence, and do not have a readily determinable fair value, at cost. If we obtain evidence that the fair value of such an investment has declined below its cost, we reduce the recorded cost to the lower value through an impairment charge recorded in the Consolidated Statements of Operations. All inter-company accounts and transactions have been eliminated in consolidation. Use of Estimates and Assumptions The preparation of these financial statements requires management to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenues and expenses and related disclosure of contingent assets and liabilities. We regularly evaluate estimates and judgments, including those related to revenue recognition, inventory, loan loss allowances, long-lived and intangible assets, share-based compensation, income taxes, contingencies and litigation. We base our estimates on historical experience, observable trends and various other assumptions we believe are reasonable, the results of which form the basis for making judgements about the carrying values of assets and liabilities and the accrual of costs and expenses that are not readily apparent from other sources. Actual results may differ materially from the estimates under different assumptions or conditions. Pawn Loans and Revenue Recognition Our pawn loans are fully collateralized and the carrying values are based on the initial amounts loaned to customers. We record pawn service charges using the effective interest method over the life of the pawn loans for all pawn loans we believe to be collectible. We base our estimate of collectability on several inputs, including recent redemption rates, historical trends in redemption rates and the amount of loans due in the following months. Unexpected variations in any of these factors could change our estimate of collectability and affect our results of operations and financial condition. If a pawn loan is not repaid, the forfeited collateral is recorded as inventory at the lower of the principal balance of the pawn loan or the net realizable value of the item. As of September 30, 2024, consolidated pawn loans outstanding was $274.1 million, of which $107.5 million (39%) is attributable to stores in Texas and $28.6 million (10%) is attributable to stores in Florida. As of September 30, 2023, consolidated pawn loans outstanding was $245.8 million, of which $95.5 million (39%) is attributable to stores in Texas and $25.7 million (10%) is attributable to stores in Florida. Merchandise Sales Revenue Recognition Our performance obligations for merchandise sales primarily relate to point in time retail sales in our stores. We recognize the satisfaction of the performance obligations and record merchandise sales revenue and the related costs when merchandise inventory is sold and delivered to the customer or, in the case of a layaway sale, when we receive the final payment. Customer layaway deposits are recorded as liabilities when a customer provides a deposit for merchandise. Customer layaway deposits are generally refundable upon cancellation. Our customer layaway deposits balance as of September 30, 2024, 2023 and 2022 was $21.6 million, $18.9 million and $16.0 million, respectively, and are generally recognized as revenue within a one-year period. Customers have a limited period of time to return merchandise for a refund or exchange, and actual returns for refunds are not material. Sales taxes collected on sales of inventory are excluded from the amounts recognized as merchandise sales and are recorded as “Accounts payable, accrued expenses and other current liabilities” in our Consolidated Balance Sheets until remitted to the appropriate governmental authorities. For precious metals and stones sold as scrap, we recognize the satisfaction of the performance obligations and record the revenues and the related costs when the inventory is legally transferred to the refiner and the refiner obtains control of the inventory. The accounts receivable outstanding at the end of a given reporting period from such transactions are not material as payments are generally received within a short period of time after the legal transfer of the inventory. Our transaction prices are explicitly stated within the contracts with our customers. Inventory and Cost of Goods Sold If a pawn loan is not redeemed, the forfeited collateral is recorded as inventory at the lower of the principal balance of the pawn loan or the net realizable value of the item. We do not record a loan loss allowance or charge-off expense on the principal portion of forfeited pawn loans, as such loans are fully collateralized. Inventory is recorded using the specific identification method of accounting. In order to state inventory at the lower of cost or net realizable value, we record an allowance for excess, obsolete or slow-moving inventory based on the type and age of the underlying merchandise. Our inventory consists primarily of general merchandise and jewelry. “Merchandise cost of goods sold” as recorded in our Consolidated Statements of Operations includes the historical cost of inventory sold, inventory shrinkage and any change in the allowance for inventory shrinkage and valuation. We include the costs of operating our central jewelry processing unit as “Jewelry scrapping cost of goods sold” in our Consolidated Statements of Operations as such costs relate directly to sales of precious metals and stones to refiners. We consider our estimates of obsolete or slow-moving inventory and shrinkage critical to the determination of the appropriate overall valuation allowance for inventory. We continually monitor our sales margins for each type of inventory and compare the current margins to historical margins. Significant variances in those margins may require a revision to future inventory reserve estimates. We determine our reserve pertaining to jewelry inventory based on the current and projected prices of gold. Future declines in the value of gold may result in an increase in reserves pertaining to jewelry inventory. Situations that may result in excess or obsolete inventory include changes in business and economic conditions, changes in consumer confidence caused by changes in market conditions, decreases in demand for our products or inventory obsolescence resulting from changes in technology. With respect to our Mexico pawn operations, we do not own the forfeited collateral. However, we assume the risk of loss on such collateral and are solely responsible for its care and disposition and, therefore, record such collateral as inventory in our Consolidated Balance Sheets. As of September 30, 2024 and 2023, inventory related to our Mexico pawn operations was $42.2 million and $31.4 million, respectively. Cash and Cash Equivalents and Cash Concentrations Cash and cash equivalents consist primarily of cash on deposit or highly liquid investments with original contractual maturities of three months or less, or money market mutual funds. We hold cash at major financial institutions in amounts that often exceed FDIC insured limits. We manage our credit risk associated with cash and cash equivalents and cash concentrations by maintaining our cash deposits in high quality financial institutions and by periodically evaluating the credit quality of the primary financial institutions issuing investments or holding such deposits. Historically, we have not experienced any losses due to such cash concentrations. Restricted Cash As of September 30, 2024 and 2023, restricted cash consists of $0.5 million and $0.3 million, respectively, related to the acquisition of PLO del Bajio S. de. R.L. de C.V. and $8.8 million and $8.1 million, respectively, held in escrow pending the resolution of a pre-closing tax indemnity claim related to the sale of Grupo Finmart. Investments We account for our investment in Cash Converters under the equity method. Because the fiscal year of Cash Converters ends three months before our fiscal year, we record our interest from the results of Cash Converters on a three-month lag. Thus, the results of our operations reported for the fiscal years ended September 30, 2024, 2023 and 2022 include our percentage interest in the results of Cash Converters for the twelve-month periods ended June 30, 2024, 2023 and 2022, respectively. During the first quarter of our fiscal year, we record our percentage interest in the results of Cash Converters for the three months ended December 31 based on an estimate of the results of Cash Converters for the three months ended September 30 of that year. Similarly, during the third quarter of our fiscal year, we record our percentage interest in the results of Cash Converters for the three months ended June 30 using the estimated results of Cash Converters for the three months ended March 31 of that year. Cash Converters files semi-annual financial reports with the Australian Securities & Investments Commission and the Australian Stock Exchange as of and for the periods ended June 30 and December 31. We use these publicly available financial reports to adjust the estimated amounts we recorded. The actual results of Cash Converters may vary from our estimates. Refer to Note 3: Strategic Investments for further details on our investment in Cash Converters. We account for our investment in Rich Data Corporation (“RDC”) in accordance with ASC 321, Investments — Equity Securities, and we have elected to use the measurement alternative to measure this investment at cost, less any impairment, plus or minus changes resulting from observable price changes in orderly transactions for identical or similar investments of the same issuer, if any. As of September 30, 2024 and 2023, the carrying value of our investment in RDC was $6.2 million. Refer to Note 3: Strategic Investments for details on our investment in Founders. Leases We determine if an arrangement contains a lease at inception. We have elected not to recognize on the balance sheet leases with terms of one year or less as a practical expedient. Operating lease assets are included in Right-of-use assets, net and financing lease assets are included in Other assets, net on the Consolidated Balance Sheets. We enter into operating lease agreements for real estate related to pawn locations and corporate offices. We have entered into financing lease agreements mainly for motor vehicles. Operating and financing lease liabilities are recognized at the lease commencement date based on the present value of fixed lease payments using the Company’s incremental borrowing rate. As our leases generally do not include an implicit rate, we compute our incremental borrowing rate based on information available at the lease commencement date applying the portfolio approach to groups of leases with similar characteristics. Our lease terms include options to extend the lease when it is reasonably certain we will exercise its option. We used incremental borrowing rates that match the duration of the remaining lease terms of our operating leases on a fully collateralized basis to initially measure our lease liability. We evaluate renewal options periodically for any changes in assumptions. We do not account for lease and non-lease components separately. Lease components generally include rent, taxes and insurance and non-lease components generally include common area maintenance. Right-of-use assets are tested for impairment in the same manner as long-lived assets. We recognize lease expense on a straight-line basis over the lease term with variable lease expense recognized in the period in which the costs are incurred. Our operating lease portfolio consists of pawn locations and corporate offices with lease terms ranging from three to ten years, including options to renew. Our financing lease terms range from two to five years. We generally account for the initial lease term of our pawn locations as up to ten years. Our primary corporate office is leased through March 2029 with annual escalating rent payments. Goodwill and Indefinite-Lived Intangible Assets Goodwill represents the excess of the purchase price over the net amount of identifiable assets acquired and liabilities assumed in a business combination measured at fair value. We evaluate goodwill for impairment annually on September 30 and upon the occurrence of certain triggering events or substantive changes in circumstances that indicate that the fair value of goodwill may be impaired. We consider the assessment of the occurrence of triggering events or substantive changes in circumstances that may indicate the fair value of goodwill may be impaired to be a critical estimate. Impairment of goodwill is tested at the reporting unit level. A reporting unit is an operating segment or one level below an operating segment, referred to as a “component.” A component of an operating segment is required to be identified as a reporting unit if the component is a business for which discrete financial information is available and segment management regularly reviews its operating results. When testing goodwill for impairment, we have the option to first assess qualitative factors to determine whether the existence of events or circumstances leads to a determination that it is more-likely-than-not the estimated fair value of a reporting unit is less than its carrying amount. If we elect to perform a qualitative assessment and determine that an impairment is more-likely-than-not, we are then required to perform a quantitative impairment test; otherwise, no further analysis is required. We also may elect not to perform a qualitative assessment and, instead, proceed directly to a quantitative impairment test. When performing a quantitative impairment test, we apply a one-step quantitative test and record the amount of goodwill impairment as the excess of a reporting unit’s carrying amount over its fair value, not to exceed the total amount of goodwill allocated to that reporting unit. When we perform a quantitative goodwill impairment test, we estimate the fair value of the reporting unit using an income approach based on the present value of expected future cash flows, including terminal value, utilizing a market-based weighted average cost of capital (“WACC”) determined separately for each reporting unit. The determination of fair value involves the use of estimates and assumptions, including revenue growth rates, operating margins and terminal growth rates discounted by an estimated WACC derived from other publicly traded companies that are similar but not identical to us from an operational and economic standpoint. We use discount rates that are commensurate with the risks and uncertainties inherent in the respective businesses and in our internally developed forecasts. We test indefinite-lived intangible assets for impairment by first assessing qualitative factors to determine whether it is necessary to perform a quantitative impairment test. If we believe as a result of its qualitative assessment that it is more-likely-than-not the fair value of the indefinite-lived intangible asset is less than its carrying amount, a quantitative impairment test is required. Otherwise, no further testing is required. Property and Equipment We record property and equipment at cost. We depreciate these assets on a straight-line basis using estimated useful lives of 30 years for buildings and two-to-seven years for furniture, equipment and software development costs. We depreciate leasehold improvements over the shorter of their estimated useful life (typically 10 years) or the reasonably assured lease term at the inception of the lease. Valuation of Long-Lived Assets The carrying values of long-lived assets, inclusive of right-of-use (ROU) assets, are periodically reviewed whenever events or changes in circumstances indicate the carrying value may not be recoverable, such as historical operating losses or plans to close stores before the end of their previously estimated useful lives. A potential impairment has occurred if projected future undiscounted cash flows are less than the carrying value of the assets. The estimate of cash flows includes management's assumptions of cash inflows and outflows directly resulting from the use of those assets in operations. We consider the assumptions associated with the determination of projected future cash flows to be a critical estimate. When a potential impairment has occurred, an impairment write-down is recorded if the carrying value of the long-lived asset exceeds its fair value. Software Development Costs and Cloud Computing Arrangements We capitalize certain costs incurred in connection with developing or obtaining software for internal use and amortize the costs on a straight-line basis over the estimated useful lives of the software, typically five years. Net capitalized development costs are included in “Capital expenditures, net” in our Consolidated Statements of Cash Flows. In evaluating whether our cloud computing arrangements include a software license, we consider whether we have the contractual right to take possession of the software at any time during the hosting period without significant penalty and whether it is feasible for us to either run the software on our own hardware or contract with another party unrelated to the vendor to host the software. If a cloud computing arrangement includes a software license, we account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, we account for the arrangement as a service contract. For cloud computing arrangements that meet the definition of a service contract, the Company capitalizes implementation costs incurred during the application development stage and until the software is ready for its intended use within Other assets, net in our Consolidated Balance Sheets and then amortizes the costs on a straight-line basis over the term of the contract. The hosting service fees are not considered an implementation cost and are treated as a prepaid expense and then the Company amortizes the costs on a straight-line basis over the term of the contract. Costs related to data conversion, training and other maintenance activities are expensed as incurred. Business Combinations We allocate the total acquisition price to the fair value of assets and liabilities acquired under the acquisition method with goodwill representing the excess of purchase price over the fair value of net assets acquired. We expense transaction costs as incurred. We recognize any adjustments to provisional amounts and goodwill that are identified during the measurement period in the reporting period in which the adjustment amounts are determined, with the effect on current period earnings of changes in depreciation, amortization or other income effects, if any, as a result of the change to the provisional amounts, calculated as if the accounting had been completed at the acquisition date. Convertible Debt Securities On October 1, 2021, we early adopted Accounting Standards Update (“ASU”) 2020-06, Debt – Debt with Conversion and Other Options (Subtopic 470-20) and Derivatives and Hedging – Contracts in Entity’s Own Equity (Subtopic 815 – 40), (“ASU 2020-06”) on a modified retrospective basis. Under ASU 2020-06, we no longer separate the convertible senior notes into liability and equity components. We recognized a cumulative effect of initially applying the ASU as an adjustment to the October 1, 2021 opening balance of retained earnings. The conversion option that was previously accounted for in equity under the cash conversion model was recombined into the convertible debt outstanding, and as a result, additional paid in capital and the related unamortized debt discount on the convertible senior notes were reduced. The removal of the remaining debt discounts recorded for this previous separation has the effect of increasing our net debt balance. The prior period consolidated financial statements have not been retrospectively adjusted and continue to be reported under the accounting standards in effect for those periods. Foreign Currency Our foreign subsidiaries use the local currency of their respective countries as their functional currency. Assets and liabilities of our foreign subsidiaries' balance sheet accounts and our equity method investments are translated from their respective functional currencies into United States dollars at the exchange rate at the end of each quarter, and their earnings are translated into United States dollars at the average exchange rate each quarter. We present resulting translation adjustments as a separate component of stockholders’ equity. The cumulative translation adjustments associated with the net assets of foreign subsidiaries are the only amounts recorded in Accumulated Other Comprehensive Loss in the accompanying Consolidated Statements of Stockholders’ Equity. Foreign currency transaction gains and losses not accounted for as translations are included in “Other (income) expense” in our Consolidated Statements of Operations. Store Expenses Included in “Store expenses” are costs related to operating our stores and any direct costs of support offices. These costs include labor, other direct expenses such as utilities, supplies and banking fees and indirect expenses such as store rent, building repairs and maintenance, advertising, store property taxes and insurance and regional and area management expenses. General and Administrative Expense Included in “General and administrative” expense are costs related to our executive and administrative offices. This includes executive and administrative salaries, wages, stock and incentive compensation, professional fees, license fees, costs related to the operation of our administrative offices such as rent, property taxes, insurance, information technology and other corporate costs. Advertising Advertising costs are expensed as incurred and included primarily within “Store expenses” in our Consolidated Statements of Operations. These costs were $6.2 million, $4.9 million and $2.3 million for fiscal 2024, 2023 and 2022, respectively. During fiscal 2024, 2023 and 2022, we incurred $3.6 million, $2.9 million and $0.3 million, respectively, related to digital advertising. The remaining for each year relates to general advertising costs. Stock Compensation We measure share-based compensation expense at the grant date based on the price of underlying shares at that date and recognize it as expense ratably over the vesting or service period, as applicable, of the stock award. Our policy is to recognize expense on performance-based awards, where satisfaction of the performance condition is probable, ratably over the awards’ vesting period and recognize expense on awards that only have service requirements on a straight-line basis. We recognize forfeitures as they occur when calculating share-based compensation expense. Income Taxes We account for income taxes using the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying value of assets and liabilities and their tax basis and for operating loss and tax credit carryforwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the related temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized when the rate change is enacted. We consider the earnings of certain non-U.S. subsidiaries to be indefinitely invested outside the United States on the basis of estimates that future domestic cash generation will be sufficient to meet future domestic cash needs and our specific plans for reinvestment of those subsidiary earnings. We have not recorded a deferred tax liability related to the U.S. federal and state income taxes and foreign withholding taxes of our undistributed earnings of foreign subsidiaries indefinitely invested outside the U.S. We treat taxes due on future U.S. inclusions in taxable income related to Global Intangible Low-Taxed Income (“GILTI”) as a current-period expense when incurred. We may be subject to income tax audits by the respective tax authorities in any or all of the jurisdictions in which we operate or have operated within a relevant period. Significant judgment is required in determining uncertain tax positions. We utilize the required two-step approach to recognize and measure uncertain tax positions. The first step is to evaluate the tax position for recognition by determining if the weight of available evidence indicates it is more likely than not that the position will be sustained on audit, including resolution of related appeals or litigation processes. The second step is to measure the tax benefit as the largest amount that is more than 50% likely to be realized upon ultimate settlement. We consider many factors when evaluating and estimating our tax positions and tax benefits, which may require periodic adjustments, and which may not accurately forecast actual outcomes. We adjust these reserves in light of changing facts and circumstances, such as the closing of an audit or the refinement of an estimate. Changes in recognition or measurement are reflected in the period in which the change in judgment occurs. We believe adequate provisions for income taxes have been made for all periods. We recognize interest and penalties related to unrecognized tax benefits as “Income tax expense” in our Consolidated Statements of Operations. Our policy is to release income tax effects from accumulated other comprehensive income on a segregated unit of account basis. We consider our assessment of the recognition of deferred tax assets as well as estimates of uncertain tax positions to be critical estimates. Share Repurchases When treasury shares are retired, the Company allocates the excess of the repurchase price over the par value of shares acquired between additional paid-in capital and retained earnings. The portion allocated to additional paid-in capital is limited to the pro rata portion of additional paid-in capital for the retired treasury shares. Any further excess of the repurchase price is allocated to retained earnings. Earnings per Share and Common Stock We compute basic earnings per share based on the weighted average number of shares of common stock outstanding during the period. Upon our adoption of ASU 2020-06 on October 1, 2021, interest charges on the convertible debt are required to be added to net income and we calculate diluted earnings per share during the period using the if-converted method. Diluted net income (loss) and diluted weighted-average shares outstanding are adjusted to account for the impact of the assumed issuance of potential common shares that are dilutive, subject to dilution sequencing rules. Dilutive potential common shares include outstanding restricted stock awards as well as shares issuable on conversion of our outstanding convertible debt securities. Potential common shares are required to be excluded from the computation of diluted earnings per share if the assumed proceeds upon exercise or vest are greater than the cost to re-acquire the same number of shares at the average market price, and therefore the effect would be anti-dilutive. There were no participating securities outstanding during fiscal 2024, 2023 and 2022 requiring the application of the two-class method. When we are in a loss position for the period, dilutive securities are excluded from the calculation of earnings per share, as they would have an anti-dilutive effect. Our capital stock consists of two classes of common stock designated as Class A Non-Voting Common Stock (“Class A Common Stock”) and Class B Voting Common Stock (“Class B Common Stock”). The rights, preferences and privileges of the Class A and Class B Common Stock are similar except that each share of Class B Common Stock has one vote and each share of Class A Common Stock has no voting privileges, except as required by law. All Class A Common Stock is publicly held. Holders of Class B Common Stock may, individually or as a class, convert some or all of their shares into Class A Common Stock on a one-to-one basis. Class A Common Stock becomes voting common stock upon the conversion of all Class B Common Stock to Class A Common Stock. We are required to reserve the number of authorized but unissued shares of Class A Common Stock that would be issuable upon conversion of all outstanding shares of Class B Common Stock. Recently Issued Accounting Pronouncements In October 2023, the Financial Accounting Standards Board (“FASB”) issued ASU 2023-06, Disclosure Improvements - Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative (“ASU 2023-06”). ASU 2023-06 will impact various disclosure areas, including the statement of cash flows, accounting changes and error corrections, earnings per share, debt, equity, derivatives and transfers of financial assets. The amendments in this ASU 2023-06 will be effective on the date the related disclosures are removed from Regulation S-X or Regulation S-K by the SEC, and will no longer be effective if the SEC has not removed the applicable disclosure requirement by June 30, 2027. Early adoption is prohibited. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures. In November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures (“ASU 2023-07”). ASU 2023-07 requires disclosure of significant segment expenses regularly provided to the chief operating decision maker (“CODM”) included within segment operating profit or loss. Additionally, the ASU requires a description of how the CODM utilizes segment operating profit or loss to assess segment performance. The requirements of ASU 2023-07 are effective for the Company for fiscal years beginning after December 15, 2023 and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted, and retrospective application is required for all periods presented. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures. In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures (“ASU 2023-09”). ASU 2023-09 requires disclosure of specific categories and disaggregation of information in the rate reconciliation table. The ASU also requires disclosure of disaggregated information related to income taxes paid, income or loss from continuing operations before income tax expense or benefit and income tax expense or benefit from continuing operations. The requirements of this ASU 2023-09 are effective for the Company for fiscal years beginning after December 15, 2024. Early adoption is permitted, and the amendments should be applied on a prospective basis. Retrospective application is permitted. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures. In March 2024, the FASB issued ASU 2024-02, Codification Improvements—Amendments to Remove References to the Concepts Statements (“ASU 2024-02”). ASU 2024-02 contains amendments to the Codification that remove references to various FASB Concepts Statements. The requirements of this ASU 2024-02 are effective for the Company for fiscal years beginning after December 15, 2024 and can be applied on a prospective or retrospective basis. This standard is not expected to have a significant impact on our consolidated financial statements and related disclosures. In November 2024, the FASB issued ASU 2024-03, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses (“ASU 2024-03”). ASU 2024-03 requires disclosure in the notes to the financial statements of specified information about certain costs and expenses. The requirements of ASU 2024-03 are effective for the Company for fiscal years beginning after December 15, 2026 and interim periods within fiscal years beginning after December 15, 2027. Early adoption is permitted and should be applied either prospectively to financial statements issued for reporting periods after the effective date of this ASU or retrospectively to any or all period periods presented in the financial statements. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures.