0000840489-26-000085 | 10-Q | XBRL Viewer

Schedule of Long-term Debt Instruments

Leased Merchandise, Net

Leased merchandise, net consists of the following (in thousands):


	As of June 30,				As of December 31,
	2026		2025		2025
Leased merchandise	$	205,440	$	260,373	$	252,064
Processing fees	(1,727)		(2,229)		(2,240)
Merchant partner (discounts) and premiums, net	(189)		(34)		(175)
Accumulated depreciation	(62,022)		(87,754)		(70,650)
Leased merchandise, before allowance for lease losses	141,502		170,356		178,999
Less allowance for lease losses	(56,933)		(69,667)		(64,716)
Leased merchandise, net	$	84,569	$	100,689	$	114,283

The following table details the changes in the allowance for lease losses (in thousands):


	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2026		2025		2026		2025
Balance at beginning of period	$	61,069	$	68,785	$	64,716	$	80,257
Provision for lease losses	24,439		32,543		54,183		60,105
Charge-offs	(31,127)		(33,633)		(66,858)		(75,007)
Recoveries	2,552		1,972		4,892		4,312
Balance at end of period	$	56,933	$	69,667	$	56,933	$	69,667

Long-Term Debt (Tables)

6 Months Ended

Jun. 30, 2026

Debt Disclosure [Abstract]

The following table details the Company’s long-term debt at the respective principal amounts, net of unamortized debt issuance costs on the senior unsecured notes (in thousands):


	As of June 30,				As of December 31,
	2026		2025		2025
Revolving credit facilities:
Revolving unsecured credit facility, maturing 2029 (1)	$	69,000	$	152,000	$	559,000
Revolving secured credit facility, maturing 2027 (2)	—		—		54,476
Revolving unsecured uncommitted credit facility, maturing 2027 (1)	—		—		—
Total revolving credit facilities	69,000		152,000		613,476

Secured term loans:
Secured term loan, maturing 2027 (2)	—		—		26,902
Secured term loan, maturing 2029 (2)	—		—		13,451
Secured term loan, maturing 2031 (2)	—		—		20,177
Total secured term loans	—		—		60,530

Senior unsecured notes:
4.625% senior unsecured notes due 2028 (3)	497,292		496,135		496,706
5.625% senior unsecured notes due 2030 (4)	545,714		544,643		545,171
6.875% senior unsecured notes due 2032 (5)	493,032		492,087		492,551
6.125% senior unsecured notes due 2034 (6)	741,001		—		—
Total senior unsecured notes	2,277,039		1,532,865		1,534,428

Total long-term debt	$	2,346,039	$	1,684,865	$	2,208,434

(1)Debt issuance costs related to the Company’s revolving unsecured credit facilities are included in other assets in the accompanying consolidated balance sheets.

(2)Assumed on August 14, 2025 in connection with the H&T Acquisition and repaid and terminated during the three months ended June 30, 2026.

(3)As of June 30, 2026, June 30, 2025 and December 31, 2025, deferred debt issuance costs of $2.7 million, $3.9 million and $3.3 million, respectively, are included as a direct deduction from the carrying amount of the senior unsecured notes due 2028 in the accompanying consolidated balance sheets.

(4)As of June 30, 2026, June 30, 2025 and December 31, 2025, deferred debt issuance costs of $4.3 million, $5.4 million and $4.8 million, respectively, are included as a direct deduction from the carrying amount of the senior unsecured notes due 2030 in the accompanying consolidated balance sheets.

(5)As of June 30, 2026, June 30, 2025 and December 31, 2025, deferred debt issuance costs of $7.0 million, $7.9 million and $7.4 million, respectively, are included as a direct deduction from the carrying amount of the senior unsecured notes due 2032 in the accompanying consolidated balance sheets.

(6)As of June 30, 2026, deferred debt issuance costs of $9.0 million are included as a direct deduction from the carrying amount of the senior unsecured notes due 2034 in the accompanying consolidated balance sheets.

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.

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Operating Leases - Narrative (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Lessee, Lease, Description [Line Items]
Weighted average remaining lease term	4 years 1 month 6 days		4 years 1 month 6 days
Weighted average discount rate (as a percent)	8.00%	8.50%	8.00%	8.50%
Foreign currency transaction gain (loss), net	$ (1,738)	$ 1,271	$ (636)	$ 1,285
UNITED STATES
Lessee, Lease, Description [Line Items]
U.S. pawnshop locations leased, percent			62.00%
Location, Statement of Income, Balance [Axis]: us-gaap:ForeignCurrencyTransactionGainLossBeforeTax
Lessee, Lease, Description [Line Items]
Foreign currency transaction gain (loss), net	$ (800)	$ (1,600)	$ (1,600)	$ (1,500)
Minimum
Lessee, Lease, Description [Line Items]
General term of leased facilities	3 years		3 years
Leased facilities renewal term	3 years		3 years
Maximum
Lessee, Lease, Description [Line Items]
General term of leased facilities	5 years		5 years
Leased facilities renewal term	5 years		5 years

Commitments and Contingencies (Details) $ / shares in Units, £ in Millions, $ in Millions	Oct. 09, 2026 USD ($) $ / shares	Oct. 09, 2026 GBP (£)	Jun. 30, 2026 USD ($) oz $ / oz
Ramsdens Acquisition \| Forecast
Guarantor Obligations [Line Items]
Shares acquired (pence per share)	$ 675
Common Stock, Dividends, Per Share, Declared	$ 9
Business Combination, Consideration Transferred	$ 307.5	£ 231.7
Foreign currency exchange rate	1.33	1.33
Guarantee of Indebtedness of Others
Guarantor Obligations [Line Items]
Loss Contingency, Estimate of Possible Loss \| $			$ 35.2
Gold, Ounces \| Forward Contracts
Guarantor Obligations [Line Items]
Investment contract weight \| oz			43,500
Derivative, average forward price \| $ / oz			3,920

Finance Receivables, Net (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
Finance Receivables, Net (Details) - USD ($) $ in Thousands	Mar. 31, 2026	Jun. 30, 2026	Jun. 30, 2025	Dec. 31, 2025	Mar. 31, 2025	Dec. 31, 2024
Receivables [Abstract]
Finance receivables, gross		$ 264,486	$ 311,424	$ 283,514
Merchant partner discounts and premiums, net	$ (22,728)	(25,276)	(27,946)
Unearned origination fees	(4,186)	(3,202)	(6,086)
Finance receivables, amortized cost		236,008	277,392	256,600
Less allowance for loan losses	$ (104,571)	(105,006)	(122,874)	(106,326)	$ (118,342)	$ (117,005)
Finance receivables, net		$ 131,002	$ 154,518	$ 150,274

Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement.

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Amortized cost, before allowance for credit loss, of financing receivable. Excludes financing receivable covered under loss sharing agreement and net investment in lease.

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Leased Merchandise, Net - (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Leased Merchandise, Allowance for Credit loss Roll Forward [Roll Forward]
Balance at beginning of period	$ 61,069	$ 68,785	$ 64,716	$ 80,257
Provision for lease losses	24,439	32,543	54,183	60,105
Charge-offs	(31,127)	(33,633)	(66,858)	(75,007)
Recoveries	2,552	1,972	4,892	4,312
Balance at end of period	$ 56,933	$ 69,667	$ 56,933	$ 69,667

Finance Receivables, Net - Aging of Finance Receivable (Details) - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025	Jun. 30, 2025	Jun. 30, 2024
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost	$ 236,008	$ 256,600	$ 277,392
Finance receivable, before allowance for credit loss, premium and discount			277,392
Current Year
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost	146,110
Prior Year
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost			83,400
Finance receivable, before allowance for credit loss, premium and discount			177,361
Two Years Prior
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost				$ 6,498
Finance receivable, before allowance for credit loss, premium and discount			95,486
Three Years Prior
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			4,545
Financial Asset, 1 to 29 Days Past Due
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost	25,559
Finance receivable, before allowance for credit loss, premium and discount			28,140
Financial Asset, 1 to 29 Days Past Due \| Current Year
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost	15,487
Financial Asset, 1 to 29 Days Past Due \| Prior Year
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost			9,353
Finance receivable, before allowance for credit loss, premium and discount			17,683
Financial Asset, 1 to 29 Days Past Due \| Two Years Prior
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost				719
Finance receivable, before allowance for credit loss, premium and discount			9,968
Financial Asset, 1 to 29 Days Past Due \| Three Years Prior
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			489
Financial Asset, 30 to 59 Days Past Due
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost	15,431
Finance receivable, before allowance for credit loss, premium and discount			17,292
Financial Asset, 30 to 59 Days Past Due \| Current Year
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost	8,665
Financial Asset, 30 to 59 Days Past Due \| Prior Year
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost			6,233
Finance receivable, before allowance for credit loss, premium and discount			9,946
Financial Asset, 30 to 59 Days Past Due \| Two Years Prior
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost				533
Finance receivable, before allowance for credit loss, premium and discount			6,998
Financial Asset, 30 to 59 Days Past Due \| Three Years Prior
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			348
Financial Asset, 60 to 89 Days Past Due
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost	12,043
Finance receivable, before allowance for credit loss, premium and discount			12,363
Financial Asset, 60 to 89 Days Past Due \| Current Year
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost	5,984
Financial Asset, 60 to 89 Days Past Due \| Prior Year
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost			5,554
Finance receivable, before allowance for credit loss, premium and discount			6,189
Financial Asset, 60 to 89 Days Past Due \| Two Years Prior
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost				505
Finance receivable, before allowance for credit loss, premium and discount			5,853
Financial Asset, 60 to 89 Days Past Due \| Three Years Prior
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			321
Total past due
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost	53,033
Finance receivable, before allowance for credit loss, premium and discount			57,795
Total past due \| Current Year
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost	30,136
Total past due \| Prior Year
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost			21,140
Finance receivable, before allowance for credit loss, premium and discount			33,818
Total past due \| Two Years Prior
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost				1,757
Finance receivable, before allowance for credit loss, premium and discount			22,819
Total past due \| Three Years Prior
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			1,158
Financial Asset, Not Past Due
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost	182,975
Finance receivable, before allowance for credit loss, premium and discount			219,597
Financial Asset, Not Past Due \| Current Year
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost	$ 115,974
Financial Asset, Not Past Due \| Prior Year
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost			62,260
Finance receivable, before allowance for credit loss, premium and discount			143,543
Financial Asset, Not Past Due \| Two Years Prior
Financing Receivable, Past Due [Line Items]
Finance receivables, amortized cost				$ 4,741
Finance receivable, before allowance for credit loss, premium and discount			72,667
Financial Asset, Not Past Due \| Three Years Prior
Financing Receivable, Past Due [Line Items]
Finance receivable, before allowance for credit loss, premium and discount			$ 3,387

Finance Receivables, Net - Rollforward (Details) - USD ($) $ in Thousands	3 Months Ended				6 Months Ended
	Jun. 30, 2026	Mar. 31, 2026	Jun. 30, 2025	Mar. 31, 2025	Jun. 30, 2026	Jun. 30, 2025
Financing Receivable, Allowance for Credit Loss [Roll Forward]
Balance at beginning of period	$ 104,571	$ 106,326	$ 118,342	$ 117,005	$ 106,326	$ 117,005
Provision for loan losses	32,460		41,761		67,700	78,121
Charge-offs	(36,158)		(40,078)		(76,964)	(78,497)
Recoveries	4,133		2,849		7,944	6,245
Balance at end of period	105,006	104,571	$ 122,874	118,342	105,006	122,874
Provision for loan losses	$ 7,470	$ 7,500		$ 0	$ 15,074	$ 0

Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement.

Acquisitions	6 Months Ended
Acquisitions	Jun. 30, 2026
Business Combination [Abstract]
Acquisitions	Acquisitions Pending Ramsdens Acquisition On June 23, 2026, the Company agreed on terms of the acquisition of Ramsdens, a leading pawn operator in the United Kingdom with 174 store locations, whereby the Company will acquire the entire issued and to be issued share capital of Ramsdens by means of a court-sanctioned scheme of arrangement under Part 26 of the United Kingdom Companies Act 2006, as amended (“Ramsdens Acquisition”). On July 16, 2026, the Company agreed on revised terms of the acquisition to increase the cash price to be received by Ramsdens’ shareholders. Under the revised terms of the Ramsdens Acquisition, Ramsdens’ shareholders will be entitled to receive 675 pence per share in cash. In addition, Ramsdens’ shareholders will receive an interim cash dividend of up to 9 pence for each Ramsdens share to be paid on October 9, 2026. The total equity value for the Ramsdens Acquisition, including cash consideration for the shares, is approximately £231.7 million ($307.5 million USD using GBP/USD exchange rate of 1.33). The Ramsdens Acquisition is expected to be consummated by the end of 2026, subject to approval of Ramsdens’ shareholders, receipt of the required anti-trust and regulatory approvals and satisfaction of the remaining closing conditions. U.S. Pawn Acquisitions Consistent with the Company’s strategy to continue its expansion of pawn stores in strategic markets, during the six months ended June 30, 2026, the Company acquired eight pawn stores in the U.S. in four separate transactions. The aggregate purchase price for these acquisitions totaled $6.6 million, net of cash acquired and subject to future post-closing adjustments. The aggregate purchase price was composed of $6.3 million in cash paid during the six months ended June 30, 2026 and remaining short-term amounts payable to certain of the sellers of $0.3 million. During the six months ended June 30, 2026, the Company also paid $5.2 million of purchase price amounts payable related to prior-year pawn acquisitions. The purchase price of each of the 2026 acquisitions was allocated to assets acquired and liabilities assumed based upon the estimated fair values at the date of acquisition. The excess purchase price over the estimated fair value of the net assets acquired has been recorded as goodwill. The goodwill arising from these acquisitions consists largely of the synergies and economies of scale expected from combining the operations of the Company and the pawn stores acquired. The acquisitions were not material, individually or in the aggregate, to the Company’s consolidated financial statements.

The entire disclosure for business combination.

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Operating Leases - Lease Maturities (Details) $ in Thousands	Jun. 30, 2026 USD ($)
Leases [Abstract]
Six months ending December 31, 2026	$ 71,570
Year one	119,538
Year two	93,523
Year three	64,238
Year four	32,598
Thereafter	36,628
Total	418,095
Less amount of lease payments representing interest	(61,118)
Total present value of lease payments	$ 356,977

Long-Term Debt - Summary (Details) - USD ($) $ in Thousands	Jun. 30, 2026	May 01, 2026	Dec. 31, 2025	Jun. 30, 2025	Feb. 21, 2024	Dec. 13, 2021	Aug. 26, 2020
Debt Instrument [Line Items]
Total long-term debt	$ 2,346,039		$ 2,208,434	$ 1,684,865
Line of Credit
Debt Instrument [Line Items]
Total long-term debt	69,000		613,476	152,000
Secured Debt
Debt Instrument [Line Items]
Total long-term debt	0		60,530	0
Unsecured Debt
Debt Instrument [Line Items]
Total long-term debt	2,277,039		1,534,428	1,532,865
Revolving Unsecured Credit Facility due 2029 \| Line of Credit
Debt Instrument [Line Items]
Total long-term debt	69,000		559,000	152,000
Revolving Secured Credit Facility, Due 2027 \| Line of Credit
Debt Instrument [Line Items]
Total long-term debt	0		54,476	0
Revolving Unsecured Uncommitted Credit Facility due 2027 \| Line of Credit
Debt Instrument [Line Items]
Total long-term debt	0		0	0
Secured Term Loan, Due 2027 \| Secured Debt
Debt Instrument [Line Items]
Total long-term debt	0		26,902	0
Secured Term Loan, Due 2029 \| Secured Debt
Debt Instrument [Line Items]
Total long-term debt	0		13,451	0
Secured Term Loan, Due 2031 \| Secured Debt
Debt Instrument [Line Items]
Total long-term debt	$ 0		20,177	0
4.625% senior unsecured notes due 2028 \| Unsecured Debt
Debt Instrument [Line Items]
Stated interest rate (as a percent)	4.625%						4.625%
Total long-term debt	$ 497,292		496,706	496,135
Deferred finance costs, net	$ 2,700		3,300	3,900
5.625% Senior Unsecured Notes due 2030 \| Unsecured Debt
Debt Instrument [Line Items]
Stated interest rate (as a percent)	5.625%					5.625%
Total long-term debt	$ 545,714		545,171	544,643
Deferred finance costs, net	$ 4,300		4,800	5,400
6.875% Senior Unsecured Notes due 2032 \| Unsecured Debt
Debt Instrument [Line Items]
Stated interest rate (as a percent)	6.875%				6.875%
Total long-term debt	$ 493,032		492,551	492,087
Deferred finance costs, net	$ 7,000		7,400	7,900
6.125% Senior Unsecured Notes due 2034 \| Unsecured Debt
Debt Instrument [Line Items]
Stated interest rate (as a percent)	6.125%	6.125%
Total long-term debt	$ 741,001		$ 0	$ 0
Deferred finance costs, net	$ 9,000

Acquisitions - Narrative (Details) $ / shares in Units, £ in Millions, $ in Millions			6 Months Ended
	Oct. 09, 2026 USD ($) $ / shares	Oct. 09, 2026 GBP (£)	Jun. 30, 2026 USD ($) store transaction
US Pawn Acquisition
Business Combination [Line Items]
Business Combination, Consideration Transferred			$ 6.6
Number of stores acquired \| store			8
Number of transactions \| transaction			4
Cash paid in aggregate purchase price			$ 6.3
Business combination, liability assumed			0.3
US Pawn Acquisition Prior Year Acquisition
Business Combination [Line Items]
Cash paid in aggregate purchase price			$ 5.2
Ramsdens Acquisition \| Forecast
Business Combination [Line Items]
Shares acquired (pence per share) \| $ / shares	$ 675
Common Stock, Dividends, Per Share, Declared \| $ / shares	$ 9
Business Combination, Consideration Transferred	$ 307.5	£ 231.7
Foreign currency exchange rate	1.33	1.33

Leased Merchandise, Net (Tables)

6 Months Ended

Jun. 30, 2026

Leased Merchandise, Allowance for Credit Loss

Leased Merchandise, Net

Leased merchandise, net consists of the following (in thousands):


	As of June 30,				As of December 31,
	2026		2025		2025
Leased merchandise	$	205,440	$	260,373	$	252,064
Processing fees	(1,727)		(2,229)		(2,240)
Merchant partner (discounts) and premiums, net	(189)		(34)		(175)
Accumulated depreciation	(62,022)		(87,754)		(70,650)
Leased merchandise, before allowance for lease losses	141,502		170,356		178,999
Less allowance for lease losses	(56,933)		(69,667)		(64,716)
Leased merchandise, net	$	84,569	$	100,689	$	114,283

The following table details the changes in the allowance for lease losses (in thousands):


	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2026		2025		2026		2025
Balance at beginning of period	$	61,069	$	68,785	$	64,716	$	80,257
Provision for lease losses	24,439		32,543		54,183		60,105
Charge-offs	(31,127)		(33,633)		(66,858)		(75,007)
Recoveries	2,552		1,972		4,892		4,312
Balance at end of period	$	56,933	$	69,667	$	56,933	$	69,667

Leased Merchandise, Net (Details) - USD ($) $ in Thousands	Jun. 30, 2026	Mar. 31, 2026	Dec. 31, 2025	Jun. 30, 2025	Mar. 31, 2025	Dec. 31, 2024
Receivables [Abstract]
Leased merchandise	$ 205,440		$ 252,064	$ 260,373
Processing fees	(1,727)		(2,240)	(2,229)
Merchant partner (discounts) and premiums, net	(189)		(175)	(34)
Accumulated depreciation	(62,022)		(70,650)	(87,754)
Leased merchandise, before allowance for lease losses	141,502		178,999	170,356
Less allowance for lease losses	(56,933)	$ (61,069)	(64,716)	(69,667)	$ (68,785)	$ (80,257)
Leased merchandise, net	$ 84,569		$ 114,283	$ 100,689

Segment Information

6 Months Ended

Jun. 30, 2026

Segment Reporting [Abstract]

Segment Information

The Company organizes its operations into four reportable segments as follows:

•U.S. pawn

•Latin America pawn

•U.K. pawn

•Retail POS payment solutions (American First Finance or “AFF”)

Operating expenses of the three pawn segments include salary and benefit expenses of store-level employees, occupancy costs, bank and other treasury fees, security, insurance, utilities, supplies and other costs incurred by the pawn stores. Operating expenses of the AFF segment include salary and benefit expenses of operations-focused departments, payment processing charges, data analytics and decisioning costs, information technology costs, advertising costs and other operational costs incurred by AFF.

Corporate expenses and income, which include administrative expenses, corporate depreciation and amortization, interest expense, interest income, loss (gain) on foreign exchange, merger and acquisition expenses, and other income, net, are presented on a consolidated basis and are not allocated between the segments. Intersegment transactions related to AFF’s LTO payment solution product offered in U.S. pawn stores are eliminated from consolidated totals.

The Company completed the acquisition of H&T, the leading pawn operator in the United Kingdom, on August 14, 2025, the date on which the balance sheet and operating results of H&T were included in the Company’s consolidated financial results.

The following tables present reportable segment information for the three and six month periods ended June 30, 2026 and 2025, as well as certain segment assets (in thousands):


	Three Months Ended June 30, 2026
	U.S. Pawn		Latin America Pawn		U.K. Pawn		Retail POS Payment Solutions		Corporate/ Intersegment Eliminations		Consolidated
Revenue:
Retail merchandise sales	$	275,676	$	174,316	$	21,467	$	—	$	(196)	$	471,263
Pawn loan fees	150,062		79,572		28,807		—		—		258,441
Leased merchandise income	—		—		—		115,499		—		115,499
Interest and fees on retail finance products	—		—		—		73,962		—		73,962
Wholesale scrap jewelry sales	72,334		38,154		41,644		—		—		152,132
Other revenue	—		—		3,391		—		—		3,391
Total revenue	498,072		292,042		95,309		189,461		(196)		1,074,688

Cost of revenue:
Cost of retail merchandise sold	156,453		113,763		15,507		—		(104)		285,619
Depreciation of leased merchandise	—		—		—		71,701		(51)		71,650
Provision for lease losses	—		—		—		24,516		(77)		24,439
Provision for loan losses	—		—		—		39,930		—		39,930
Cost of wholesale scrap jewelry sold	60,962		32,947		25,160		—		—		119,069
Other cost of revenue	—		—		312		—		—		312
Total cost of revenue	217,415		146,710		40,979		136,147		(232)		541,019

Net revenue	280,657		145,332		54,330		53,314		36		533,669

Expenses and other income:
Operating expenses	142,367		82,181		19,344		23,846		—		267,738
Administrative expenses	—		—		—		—		66,825		66,825
Depreciation and amortization	9,074		5,002		1,349		730		16,285		32,440
Interest expense	—		—		—		—		35,702		35,702
Interest income	—		—		—		—		(417)		(417)
Loss on foreign exchange	—		—		—		—		1,738		1,738
Merger and acquisition expenses	—		—		—		—		6,358		6,358
Other income, net	—		—		—		—		(3,717)		(3,717)

Total expenses and other income	151,441		87,183		20,693		24,576		122,774		406,667

Income (loss) before income taxes	$	129,216	$	58,149	$	33,637	$	28,738	$	(122,738)	$	127,002


	Six Months Ended June 30, 2026
	U.S. Pawn		Latin America Pawn		U.K. Pawn		Retail POS Payment Solutions		Corporate/ Intersegment Eliminations		Consolidated
Revenue:
Retail merchandise sales	$	559,505	$	334,157	$	43,312	$	—	$	(877)	$	936,097
Pawn loan fees	307,870		156,218		61,051		—		—		525,139
Leased merchandise income	—		—		—		245,686		—		245,686
Interest and fees on retail finance products	—		—		—		148,297		—		148,297
Wholesale scrap jewelry sales	119,703		58,786		86,124		—		—		264,613
Other revenue	—		—		6,507		—		—		6,507
Total revenue	987,078		549,161		196,994		393,983		(877)		2,126,339

Cost of revenue:
Cost of retail merchandise sold	315,409		217,829		30,886		—		(456)		563,668
Depreciation of leased merchandise	—		—		—		153,053		(344)		152,709
Provision for lease losses	—		—		—		54,447		(264)		54,183
Provision for loan losses	—		—		—		82,774		—		82,774
Cost of wholesale scrap jewelry sold	97,059		49,807		48,930		—		—		195,796
Other cost of revenue	—		—		1,158		—		—		1,158
Total cost of revenue	412,468		267,636		80,974		290,274		(1,064)		1,050,288

Net revenue	574,610		281,525		116,020		103,709		187		1,076,051

Expenses and other income:
Operating expenses	286,224		162,908		40,433		47,602		—		537,167
Administrative expenses	—		—		—		—		132,603		132,603
Depreciation and amortization	17,770		9,587		2,796		1,450		32,353		63,956
Interest expense	—		—		—		—		70,230		70,230
Interest income	—		—		—		—		(644)		(644)
Loss on foreign exchange	—		—		—		—		636		636
Merger and acquisition expenses	—		—		—		—		7,223		7,223
Other income, net	—		—		—		—		(7,250)		(7,250)

Total expenses and other income	303,994		172,495		43,229		49,052		235,151		803,921

Income (loss) before income taxes	$	270,616	$	109,030	$	72,791	$	54,657	$	(234,964)	$	272,130


	As of June 30, 2026
	U.S. Pawn		Latin America Pawn		U.K. Pawn		Retail POS Payment Solutions		Corporate/ Intersegment Eliminations		Consolidated
Pawn loans	$	481,850	$	198,347	$	217,358	$	—	$	—	$	897,555
Finance receivables, net	—		—		—		131,002		—		131,002
Inventories	324,120		161,013		85,360		—		—		570,493
Leased merchandise, net	—		—		—		84,579		(10)		84,569
Goodwill	1,251,683		153,557		139,118		486,205		—		2,030,563
Total assets	3,057,656		820,365		587,911		799,263		220,378		5,485,573


	Three Months Ended June 30, 2025
	U.S. Pawn		Latin America Pawn		U.K. Pawn		Retail POS Payment Solutions		Corporate/ Intersegment Eliminations		Consolidated
Revenue:
Retail merchandise sales	$	249,918	$	135,956	$	—	$	—	$	(749)	$	385,125
Pawn loan fees	130,948		59,874		—		—		—		190,822
Leased merchandise income	—		—		—		139,784		—		139,784
Interest and fees on retail finance products	—		—		—		76,075		—		76,075
Wholesale scrap jewelry sales	28,740		10,076		—		—		—		38,816

Total revenue	409,606		205,906		—		215,859		(749)		830,622

Cost of revenue:
Cost of retail merchandise sold	143,149		87,579		—		—		(402)		230,326
Depreciation of leased merchandise	—		—		—		78,529		(257)		78,272
Provision for lease losses	—		—		—		32,667		(124)		32,543
Provision for loan losses	—		—		—		41,761		—		41,761
Cost of wholesale scrap jewelry sold	26,265		8,639		—		—		—		34,904

Total cost of revenue	169,414		96,218		—		152,957		(783)		417,806

Net revenue	240,192		109,688		—		62,902		34		412,816

Expenses and other income:
Operating expenses	133,815		64,414		—		24,264		—		222,493
Administrative expenses	—		—		—		—		59,263		59,263
Depreciation and amortization	8,091		4,294		—		699		12,780		25,864
Interest expense	—		—		—		—		26,337		26,337
Interest income	—		—		—		—		(527)		(527)
Gain on foreign exchange	—		—		—		—		(1,271)		(1,271)
Merger and acquisition expenses	—		—		—		—		2,777		2,777
Other income, net	—		—		—		—		(3,199)		(3,199)

Total expenses and other income	141,906		68,708		—		24,963		96,160		331,737

Income (loss) before income taxes	$	98,286	$	40,980	$	—	$	37,939	$	(96,126)	$	81,079


	Six Months Ended June 30, 2025
	U.S. Pawn		Latin America Pawn		U.K. Pawn		Retail POS Payment Solutions		Corporate/ Intersegment Eliminations		Consolidated
Revenue:
Retail merchandise sales	$	501,143	$	256,488	$	—	$	—	$	(1,450)	$	756,181
Pawn loan fees	268,896		113,797		—		—		—		382,693
Leased merchandise income	—		—		—		296,702		—		296,702
Interest and fees on retail finance products	—		—		—		149,488		—		149,488
Wholesale scrap jewelry sales	62,232		19,749		—		—		—		81,981

Total revenue	832,271		390,034		—		446,190		(1,450)		1,667,045

Cost of revenue:
Cost of retail merchandise sold	288,907		166,318		—		—		(775)		454,450
Depreciation of leased merchandise	—		—		—		167,672		(581)		167,091
Provision for lease losses	—		—		—		60,271		(166)		60,105
Provision for loan losses	—		—		—		78,121		—		78,121
Cost of wholesale scrap jewelry sold	53,489		16,770		—		—		—		70,259

Total cost of revenue	342,396		183,088		—		306,064		(1,522)		830,026

Net revenue	489,875		206,946		—		140,126		72		837,019

Expenses and other income:
Operating expenses	262,766		125,831		—		48,482		—		437,079
Administrative expenses	—		—		—		—		107,786		107,786
Depreciation and amortization	15,691		8,730		—		1,404		25,541		51,366
Interest expense	—		—		—		—		53,808		53,808
Interest income	—		—		—		—		(1,756)		(1,756)
Gain on foreign exchange	—		—		—		—		(1,285)		(1,285)
Merger and acquisition expenses	—		—		—		—		3,239		3,239
Other income, net	—		—		—		—		(5,514)		(5,514)

Total expenses and other income	278,457		134,561		—		49,886		181,819		644,723

Income (loss) before income taxes	$	211,418	$	72,385	$	—	$	90,240	$	(181,747)	$	192,296


	As of June 30, 2025
	U.S. Pawn		Latin America Pawn		U.K. Pawn		Retail POS Payment Solutions		Corporate/ Intersegment Eliminations		Consolidated
Pawn loans	$	400,143	$	150,575	$	—	$	—	$	—	$	550,718
Finance receivables, net	—		—		—		154,518		—		154,518
Inventories	252,885		102,848		—		—		—		355,733
Leased merchandise, net	—		—		—		100,852		(163)		100,689
Goodwill	1,154,790		185,189		—		486,205		—		1,826,184
Total assets	2,746,362		722,882		—		901,034		143,971		4,514,249

The entire disclosure for segment reporting.

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Commitments and Contingencies Disclosure [Abstract]

Commitments and Contingencies - Off Balance-Sheet Risk (Details) - USD ($) $ in Thousands	3 Months Ended			6 Months Ended
	Jun. 30, 2026	Mar. 31, 2026	Mar. 31, 2025	Jun. 30, 2026	Jun. 30, 2025
Off-Balance-Sheet, Credit Loss, Liability [Roll Forward]
Balance at beginning of period	$ 16,822	$ 13,782	$ 0	$ 13,782	$ 0
Provision for loan losses	7,470	7,500	0	15,074	0
Charge-offs	(6,036)		0	(10,632)	0
Recoveries	85		0	117	0
Balance at end of period	$ 18,341	$ 16,822	$ 0	$ 18,341	$ 0

Commitments and Contingencies

6 Months Ended

Jun. 30, 2026

Commitments and Contingencies

Litigation

The Company, in the ordinary course of business, is a party to various legal and regulatory proceedings and other general claims. Although no assurances can be given, in management’s opinion, such outstanding proceedings are not expected to have a material adverse effect on the Company’s financial position, results of operations, or cash flows.

OBS Loans

The Company is obligated to reimburse the Company’s bank partner for the outstanding principal amount plus accrued interest for all OBS Loans that are 90 days contractually past due. This obligation constitutes an off-balance sheet credit exposure for which the Company is required to recognize, upon inception of the obligation, a liability for the expected lifetime losses, which is included in accrued liabilities in the accompanying consolidated balance sheets. As of June 30, 2026, the outstanding amount of OBS Loans originated and held by the Company’s bank partner, which would represent the maximum exposure to the Company, was $35.2 million.

The following table details the changes in the liability for off-balance sheet credit exposure (in thousands):


	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2026		2025		2026		2025
Balance at beginning of period	$	16,822	$	—	$	13,782	$	—
Provision for loan losses	7,470		—		15,074		—
Charge-offs	(6,036)		—		(10,632)		—
Recoveries	85		—		117		—
Balance at end of period	$	18,341	$	—	$	18,341	$	—

Pending Ramsdens Acquisition

Under the terms of the pending Ramsdens Acquisition, Ramsdens’ shareholders will be entitled to receive 675 pence per share in cash. In addition, Ramsdens’ shareholders will receive an interim cash dividend of up to 9 pence for each Ramsdens share to be paid on October 9, 2026. The total equity value for the Ramsdens Acquisition, including cash consideration for the shares, is approximately £231.7 million ($307.5 million USD using GBP/USD exchange rate of 1.33). The Company intends to borrow on its Credit Facility to finance the Ramsdens Acquisition and to pay related fees and expenses. The Company also entered into the Bridge Facility, which provides a backstop for the anticipated financing of the Ramsdens Acquisition and satisfies the “certain funds” requirements under the United Kingdom City Code on Takeovers and Mergers. The Ramsdens Acquisition is expected to be consummated by the end of 2026, subject to approval of Ramsdens’ shareholders, receipt of the required anti-trust and regulatory approvals and satisfaction of the remaining closing conditions.

Gold Forward Sales Contracts

As of June 30, 2026, the Company had contractual commitments to deliver a total of 43,500 gold ounces between July 2026 and September 2027 at a weighted-average price of $3,920 per ounce. The ounces required to be delivered over this time period are less than the historical volume of scrap gold normally produced, and the Company expects to have the required gold ounces to meet the commitments as they come due.

Cover Page - shares	6 Months Ended
Cover Page - shares	Jun. 30, 2026	Jul. 22, 2026
Cover [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2026
Document Transition Report	false
Entity File Number	001-10960
Entity Registrant Name	FIRSTCASH HOLDINGS, INC.
Entity Incorporation, State or Country Code	TX
Entity Tax Identification Number	87-3920732
Entity Address, Address Line One	1600 West 7th Street
Entity Address, City or Town	Fort Worth
Entity Address, State or Province	TX
Entity Address, Postal Zip Code	76102
City Area Code	817
Local Phone Number	335-1100
Title of 12(b) Security	Common Stock, par value $.01 per share
Trading Symbol	FCFS
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Large Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		43,371,800
Entity Central Index Key	0000840489
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2026
Document Fiscal Period Focus	Q2
Amendment Flag	false

General (Policies)	6 Months Ended
General (Policies)	Jun. 30, 2026
Accounting Policies [Abstract]
Basis of Presentation	The accompanying consolidated balance sheet as of December 31, 2025, which is derived from audited consolidated financial statements, and the unaudited consolidated financial statements, including the notes thereto, includes the accounts of FirstCash Holdings, Inc. and its wholly-owned subsidiaries (together, the “Company”). The Company regularly makes acquisitions, and the results of operations for the acquisitions have been consolidated since the acquisition dates. All significant intercompany accounts and transactions have been eliminated. These unaudited consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) for interim financial information and with the rules and regulations for reporting on Form 10-Q. Accordingly, they do not include certain information and disclosures required for comprehensive financial statements. These interim period financial statements should be read in conjunction with the Company’s audited consolidated financial statements, which are included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, filed with the SEC on February 9, 2026. The consolidated financial statements as of June 30, 2026 and 2025, and for the three month and six month periods ended June 30, 2026 and 2025, are unaudited, but in management’s opinion include all adjustments (consisting of only normal recurring adjustments) considered necessary to present fairly the financial position, results of operations and cash flow for such interim periods. Operating results for the periods ended June 30, 2026 are not necessarily indicative of the results that may be expected for the full year. The Company completed the acquisition of H&T Group plc (“H&T”), the leading pawn operator in the United Kingdom, on August 14, 2025, the date on which the balance sheet and operating results of H&T were included in the Company’s consolidated financial results (the “H&T Acquisition”). The purchase price allocation for the H&T Acquisition remains preliminary as of June 30, 2026. No material measurement period adjustments were recognized during the three month and six month periods ended June 30, 2026. The Company has pawn operations in Mexico, Guatemala, Colombia and the U.K., where the functional currency is the Mexican peso, Guatemalan quetzal, Colombian peso and the British pound sterling, respectively. Accordingly, the assets and liabilities of these subsidiaries are translated into U.S. dollars at the exchange rate in effect at each balance sheet date, and the resulting adjustments are accumulated in other comprehensive income (loss) as a separate component of stockholders’ equity. Revenues and expenses are translated at the average exchange rates occurring during the respective period. The Company also has pawn operations in El Salvador, where the reporting and functional currency is the U.S. dollar. On June 18, 2026, the Company completed its reincorporation from the State of Delaware to the State of Texas by conversion. The reincorporation was approved by the Company’s stockholders at the annual meeting of stockholders held on June 9, 2026. The reincorporation did not affect the accompanying consolidated financial statements.
Use of Estimates	The preparation of interim financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities, and related revenue and expenses, and the disclosure of gain and loss contingencies at the date of the financial statements. Such estimates and assumptions are subject to a number of risks and uncertainties, which may cause actual results to differ materially from the Company’s estimates.
Recent Accounting Pronouncements	Recent Accounting Pronouncements 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 additional disclosure of specific types of expenses included in the expense captions presented on the face of the income statement as well as disclosures about selling expenses. In January 2025, the FASB issued ASU 2025-01, “Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Clarifying the Effective Date,” which clarifies the effective date of ASU 2024-03. ASU 2024-03 is effective for fiscal years beginning after December 15, 2026 and interim periods beginning after December 15, 2027, with early adoption permitted. ASU 2024-03 may be applied either prospectively or retrospectively for all prior periods presented. The Company is currently evaluating the impact of adopting this guidance on the Company's current financial position, results of operations and financial statement disclosures. In September 2025, the FASB issued ASU 2025-06 “Intangibles—Goodwill and Other—Internal—Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software” (“ASU 2025-06”). ASU 2025-06 modernizes the capitalization criteria for internal-use software by eliminating references to project stages and clarifying the threshold applied to begin capitalizing costs. This guidance is effective for fiscal years beginning after December 15, 2027 and interim reporting periods within those annual reporting periods. Early adoption is permitted as of the beginning of an annual reporting period. The Company is currently evaluating the impact of adopting this guidance on the Company's financial position, results of operations and financial statement disclosures. In December 2025, the FASB issued ASU 2025-11 “Interim Reporting (Topic 270): Narrow—Scope Improvements” (“ASU 2025-11”). ASU 2025-11 clarifies the applicability of the interim reporting guidance, the types of interim reporting, and the form and content of interim financial statements in accordance with GAAP. Per the FASB, the amendment does not intend to change the fundamental nature of interim reporting or expand or reduce current interim disclosure requirements but rather provide clarity and improve navigability of the existing interim reporting requirements. ASU 2025-11 is effective for interim periods within annual reporting periods beginning after December 15, 2027, with early adoption permitted. ASU 2025-11 may be applied either prospectively or retrospectively for all prior periods presented. The Company is currently evaluating the impact of adopting this guidance on the Company's financial position, results of operations and financial statement disclosures.
Fair Value Measurement	The fair value of financial instruments is determined by reference to various market data and other valuation techniques, as appropriate. Financial assets and liabilities are classified based on the lowest level of input that is significant to the fair value measurement. The Company’s assessment of the significance of a particular input to the fair value measurement requires judgment, and may affect the valuation of the fair value of assets and liabilities and their placement within the fair value hierarchy levels. The three fair value levels are (from highest to lowest): Level 1: Quoted market prices in active markets for identical assets or liabilities. Level 2: Observable market-based inputs or unobservable inputs that are corroborated by market data. Level 3: Unobservable inputs that are not corroborated by market data.

Disclosure of accounting policy for the use of estimates in the preparation of financial statements in conformity with generally accepted accounting principles.

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Finance Receivables, Net (Tables)

6 Months Ended

Jun. 30, 2026

Schedule of Finance Receivables, Net

Finance receivables, net, which include retail installment sales agreements and bank-originated loans, consist of the following (in thousands):


	As of June 30,				As of December 31,
	2026		2025		2025
Finance receivables, gross	$	264,486	$	311,424	$	283,514
Merchant partner discounts and premiums, net	(25,276)		(27,946)		(22,728)
Unearned origination fees	(3,202)		(6,086)		(4,186)
Finance receivables, amortized cost	236,008		277,392		256,600
Less allowance for loan losses	(105,006)		(122,874)		(106,326)
Finance receivables, net	$	131,002	$	154,518	$	150,274

Schedule of Allowance for Credit Losses

The following table details the changes in the allowance for loan losses (in thousands):


	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2026		2025		2026		2025
Balance at beginning of period	$	104,571	$	118,342	$	106,326	$	117,005
Provision for loan losses (1)	32,460		41,761		67,700		78,121
Charge-offs	(36,158)		(40,078)		(76,964)		(78,497)
Recoveries	4,133		2,849		7,944		6,245
Balance at end of period	$	105,006	$	122,874	$	105,006	$	122,874

(1)During the third quarter of 2025, the Company’s retail POS payment solutions business (American First Finance or “AFF”) began assisting certain customers in applying for a direct-to-consumer unsecured installment loan that is underwritten and fully retained by AFF’s bank partner (“OBS Loan”). OBS Loans are not reflected on the Company’s balance sheet as a finance receivable. The provision for loan losses presented on the consolidated statement of income for the three and six months ended June 30, 2026 includes an additional $7.5 million and $15.1 million, respectively, of provision expense related to OBS Loans in which AFF is responsible for reimbursing the bank partner for certain charge-offs, which the Company is required to recognize a liability for at inception. See the “OBS Loans” section in Note 9.

Schedule of Finance Receivables Credit Quality Indicators

The following is an assessment of the credit quality indicators of the amortized cost of finance receivables as of June 30, 2026 and 2025, by origination year (in thousands):


	Origination Year
	2026		2025		2024		Total
As of June 30, 2026
Delinquency:
1 to 30 days past due	$	15,487	$	9,353	$	719	$	25,559
31 to 60 days past due	8,665		6,233		533		15,431
61 to 89 days past due (1)	5,984		5,554		505		12,043
Total past due finance receivables	30,136		21,140		1,757		53,033
Current finance receivables	115,974		62,260		4,741		182,975
Finance receivables, amortized cost	$	146,110	$	83,400	$	6,498	$	236,008


	Origination Year
	2025		2024		2023		Total
As of June 30, 2025
Delinquency:
1 to 30 days past due	$	17,683	$	9,968	$	489	$	28,140
31 to 60 days past due	9,946		6,998		348		17,292
61 to 89 days past due (1)	6,189		5,853		321		12,363
Total past due finance receivables	33,818		22,819		1,158		57,795
Current finance receivables	143,543		72,667		3,387		219,597
Finance receivables, amortized cost	$	177,361	$	95,486	$	4,545	$	277,392

(1)The Company charges off finance receivables when a receivable is 90 days or more contractually past due.

Finance Receivable, Charge-offs to allowance for credit losses

The following table details the gross charge-offs of finance receivables for the six months ended June 30, 2026 and 2025, by origination year (in thousands):


	Origination Year
	2026		2025		2024		2023		Total
Finance receivables gross charge-offs:
Gross charge-offs during the six months ended June 30, 2026	$	9,820	$	60,103	$	7,041	$	—	$	76,964

Gross charge-offs during the six months ended June 30, 2025	—		9,902		63,060		5,535		78,497

Long-Term Debt - Narrative (Details) £ in Millions, $ in Millions		6 Months Ended
	Aug. 14, 2025 GBP (£) loan	Jun. 30, 2026 USD ($)	Jun. 30, 2026 GBP (£)	Jun. 30, 2025 USD ($)	Jun. 30, 2026 MXN ($)	Jun. 23, 2026 GBP (£)	May 01, 2026 USD ($)	Aug. 08, 2024 USD ($)	Feb. 21, 2024 USD ($)	Dec. 13, 2021 USD ($)	Aug. 26, 2020 USD ($)
Debt Instrument [Line Items]
Borrowings from credit facilities		$ 308,697,000		$ 172,000,000
Jefferies Finance LLC \| Bridge Loan
Debt Instrument [Line Items]
Business combination, liability assumed \| £						£ 239.0
Line of Credit \| Secured overnight financing rate (SOFR) overnight index swap rate
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)		2.50%	2.50%
Revolving Unsecured Credit Facility due 2029 \| Line of Credit
Debt Instrument [Line Items]
Amount outstanding		$ 69,000,000.0
Letters of credit outstanding		3,500,000
Remaining borrowing capacity		$ 627,500,000
Commitment fee (as a percent)		0.325%	0.325%
Interest rate at end of period (as a percent)		6.12%			6.12%
Net proceeds		$ (490,000,000.0)
Maximum borrowing capacity								$ 700,000,000.0
Revolving Unsecured Credit Facility due 2029 \| Line of Credit \| Minimum
Debt Instrument [Line Items]
Stated interest rate (as a percent)		0.00%			0.00%
Revolving Unsecured Credit Facility due 2029 \| Line of Credit \| Prime rate
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)		1.50%	1.50%
Revolving Unsecured Uncommitted Credit Facility due 2027 \| Line of Credit
Debt Instrument [Line Items]
Maximum borrowing capacity		$ 34,400,000			$ 600.0
Revolving Unsecured Uncommitted Credit Facility due 2027 \| Line of Credit \| Mexican central bank interbank equilibrium rate (TIIE)
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)		2.25%	2.25%
4.625% senior unsecured notes due 2028 \| Unsecured Debt
Debt Instrument [Line Items]
Stated interest rate (as a percent)		4.625%			4.625%						4.625%
Face amount											$ 500,000,000.0
Debt ratio threshold		2.75			2.75
5.625% Senior Unsecured Notes due 2030 \| Unsecured Debt
Debt Instrument [Line Items]
Stated interest rate (as a percent)		5.625%			5.625%					5.625%
Face amount										$ 550,000,000.0
Debt ratio threshold		3.0			3.0
6.875% Senior Unsecured Notes due 2032 \| Unsecured Debt
Debt Instrument [Line Items]
Stated interest rate (as a percent)		6.875%			6.875%				6.875%
Face amount									$ 500,000,000.0
Debt ratio threshold		3.0			3.0
Debt ratio		2.6			2.6
U.K. Term Loans \| Secured Debt \| H&T Acquisition
Debt Instrument [Line Items]
Business Combination, Recognized Liability Assumed, Financial Liability \| £	£ 45.0
Business Combination, Recognized Liability Assumed, Number Of Loans Assumed \| loan	3
Repayments of Debt		$ 4,200,000	£ 3.1
U.K. Term Loan, base rate plus 4.00% fixed spread loan \| Secured Debt \| H&T Acquisition
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)	4.00%
U.K. Term Loan, 8.37%, fixed rate loan \| Secured Debt \| H&T Acquisition
Debt Instrument [Line Items]
Stated interest rate (as a percent)	8.37%
U.K. Term Loan, 7.43% fixed rate loan \| Secured Debt \| H&T Acquisition
Debt Instrument [Line Items]
Stated interest rate (as a percent)	8.43%
U.K. Credit Facility \| Line of Credit \| H&T Acquisition
Debt Instrument [Line Items]
Repayments of Debt		$ 45,000,000.0
U.K. Credit Facility \| Line of Credit \| Minimum \| H&T Acquisition
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)		2.40%	2.40%
U.K. Credit Facility \| Line of Credit \| Maximum \| H&T Acquisition
Debt Instrument [Line Items]
Basis spread on variable rate (as a percent)		3.30%	3.30%
6.125% Senior Unsecured Notes due 2034 \| Unsecured Debt
Debt Instrument [Line Items]
Stated interest rate (as a percent)		6.125%			6.125%		6.125%
Face amount							$ 750,000,000.0
Debt ratio threshold							3.0
Debt Issuance Costs, Gross							$ 9,100,000

Segment Information (Details) $ in Thousands	3 Months Ended		6 Months Ended
Segment Information (Details) $ in Thousands	Jun. 30, 2026 USD ($)	Jun. 30, 2025 USD ($)	Jun. 30, 2026 USD ($) segment	Jun. 30, 2025 USD ($)	Dec. 31, 2025 USD ($)
Schedule of Revenues from External Customers [Line Items]
Number of reportable segments \| segment			4
Revenue:
Retail merchandise sales	$ 471,263	$ 385,125	$ 936,097	$ 756,181
Pawn loan fees	258,441	190,822	525,139	382,693
Leased merchandise income	115,499	139,784	245,686	296,702
Interest and fees on retail finance products	73,962	76,075	148,297	149,488
Wholesale scrap jewelry sales	152,132	38,816	264,613	81,981
Other revenue	3,391	0	6,507	0
Total revenue	1,074,688	830,622	2,126,339	1,667,045
Cost of revenue:
Cost of retail merchandise sold	285,619	230,326	563,668	454,450
Depreciation of leased merchandise	71,650	78,272	152,709	167,091
Provision for lease losses	24,439	32,543	54,183	60,105
Provision for loan losses	39,930	41,761	82,774	78,121
Cost of wholesale scrap jewelry sold	119,069	34,904	195,796	70,259
Other cost of revenue	312	0	1,158	0
Total cost of revenue	541,019	417,806	1,050,288	830,026
Net revenue	533,669	412,816	1,076,051	837,019
Expenses and other income:
Operating expenses	267,738	222,493	537,167	437,079
Administrative expenses	66,825	59,263	132,603	107,786
Depreciation and amortization	32,440	25,864	63,956	51,366
Interest expense	35,702	26,337	70,230	53,808
Interest income	(417)	(527)	(644)	(1,756)
Loss (gain) on foreign exchange	1,738	(1,271)	636	(1,285)
Merger and acquisition expenses	6,358	2,777	7,223	3,239
Other income, net	(3,717)	(3,199)	(7,250)	(5,514)
Total expenses and other income	406,667	331,737	803,921	644,723
Income (loss) before income taxes	127,002	81,079	272,130	192,296
Pawn loans	897,555	550,718	897,555	550,718	$ 831,497
Finance receivables, net	131,002	154,518	131,002	154,518	150,274
Inventories	570,493	355,733	570,493	355,733	487,232
Leased merchandise, net	84,569	100,689	84,569	100,689	114,283
Goodwill	2,030,563	1,826,184	2,030,563	1,826,184	2,023,426
Assets	5,485,573	4,514,249	5,485,573	4,514,249	$ 5,300,763
Corporate/ Intersegment Eliminations
Revenue:
Retail merchandise sales	(196)	(749)	(877)
Pawn loan fees	0	0	0
Leased merchandise income	0	0	0
Interest and fees on retail finance products	0	0	0
Wholesale scrap jewelry sales	0	0	0
Other revenue	0		0
Total revenue	(196)	(749)	(877)
Cost of revenue:
Cost of retail merchandise sold	(104)	(402)	(456)
Depreciation of leased merchandise	(51)	(257)	(344)
Provision for lease losses	(77)	(124)	(264)
Provision for loan losses	0	0	0
Cost of wholesale scrap jewelry sold	0	0	0
Other cost of revenue	0		0
Total cost of revenue	(232)	(783)	(1,064)
Net revenue	36	34	187
Expenses and other income:
Operating expenses	0	0	0
Administrative expenses	66,825	59,263	132,603
Depreciation and amortization	16,285	12,780	32,353
Interest expense	35,702	26,337	70,230
Interest income	(417)	(527)	(644)
Loss (gain) on foreign exchange	1,738	(1,271)	636
Merger and acquisition expenses	6,358	2,777	7,223
Other income, net	(3,717)	(3,199)	(7,250)
Total expenses and other income	122,774	96,160	235,151
Income (loss) before income taxes	(122,738)	(96,126)	(234,964)
Pawn loans	0	0	0	0
Finance receivables, net	0	0	0	0
Inventories	0	0	0	0
Leased merchandise, net	(10)	(163)	(10)	(163)
Goodwill	0	0	0	0
Assets	220,378	143,971	220,378	143,971
Pawn Segment \| UNITED STATES \| Operating Segments
Revenue:
Retail merchandise sales	275,676	249,918	559,505
Pawn loan fees	150,062	130,948	307,870
Leased merchandise income	0	0	0
Interest and fees on retail finance products	0	0	0
Wholesale scrap jewelry sales	72,334	28,740	119,703
Other revenue	0		0
Total revenue	498,072	409,606	987,078
Cost of revenue:
Cost of retail merchandise sold	156,453	143,149	315,409
Depreciation of leased merchandise	0	0	0
Provision for lease losses	0	0	0
Provision for loan losses	0	0	0
Cost of wholesale scrap jewelry sold	60,962	26,265	97,059
Other cost of revenue	0		0
Total cost of revenue	217,415	169,414	412,468
Net revenue	280,657	240,192	574,610
Expenses and other income:
Operating expenses	142,367	133,815	286,224
Administrative expenses	0	0	0
Depreciation and amortization	9,074	8,091	17,770
Interest expense	0	0	0
Interest income	0	0	0
Loss (gain) on foreign exchange	0	0	0
Merger and acquisition expenses	0	0	0
Other income, net	0	0	0
Total expenses and other income	151,441	141,906	303,994
Income (loss) before income taxes	129,216	98,286	270,616
Pawn loans	481,850	400,143	481,850	400,143
Finance receivables, net	0	0	0	0
Inventories	324,120	252,885	324,120	252,885
Leased merchandise, net	0	0	0	0
Goodwill	1,251,683	1,154,790	1,251,683	1,154,790
Assets	3,057,656	2,746,362	3,057,656	2,746,362
Latin America Pawn Segment \| Latin America \| Operating Segments
Revenue:
Retail merchandise sales	174,316	135,956	334,157
Pawn loan fees	79,572	59,874	156,218
Leased merchandise income	0	0	0
Interest and fees on retail finance products	0	0	0
Wholesale scrap jewelry sales	38,154	10,076	58,786
Other revenue	0		0
Total revenue	292,042	205,906	549,161
Cost of revenue:
Cost of retail merchandise sold	113,763	87,579	217,829
Depreciation of leased merchandise	0	0	0
Provision for lease losses	0	0	0
Provision for loan losses	0	0	0
Cost of wholesale scrap jewelry sold	32,947	8,639	49,807
Other cost of revenue	0		0
Total cost of revenue	146,710	96,218	267,636
Net revenue	145,332	109,688	281,525
Expenses and other income:
Operating expenses	82,181	64,414	162,908
Administrative expenses	0	0	0
Depreciation and amortization	5,002	4,294	9,587
Interest expense	0	0	0
Interest income	0	0	0
Loss (gain) on foreign exchange	0	0	0
Merger and acquisition expenses	0	0	0
Other income, net	0	0	0
Total expenses and other income	87,183	68,708	172,495
Income (loss) before income taxes	58,149	40,980	109,030
Pawn loans	198,347	150,575	198,347	150,575
Finance receivables, net	0	0	0	0
Inventories	161,013	102,848	161,013	102,848
Leased merchandise, net	0	0	0	0
Goodwill	153,557	185,189	153,557	185,189
Assets	820,365	722,882	820,365	722,882
U.K. Pawn \| UNITED KINGDOM \| Operating Segments
Revenue:
Retail merchandise sales	21,467	0	43,312
Pawn loan fees	28,807	0	61,051
Leased merchandise income	0	0	0
Interest and fees on retail finance products	0	0	0
Wholesale scrap jewelry sales	41,644	0	86,124
Other revenue	3,391		6,507
Total revenue	95,309	0	196,994
Cost of revenue:
Cost of retail merchandise sold	15,507	0	30,886
Depreciation of leased merchandise	0	0	0
Provision for lease losses	0	0	0
Provision for loan losses	0	0	0
Cost of wholesale scrap jewelry sold	25,160	0	48,930
Other cost of revenue	312		1,158
Total cost of revenue	40,979	0	80,974
Net revenue	54,330	0	116,020
Expenses and other income:
Operating expenses	19,344	0	40,433
Administrative expenses	0	0	0
Depreciation and amortization	1,349	0	2,796
Interest expense		0	0
Interest income		0	0
Loss (gain) on foreign exchange		0	0
Merger and acquisition expenses		0	0
Other income, net		0	0
Total expenses and other income	20,693	0	43,229
Income (loss) before income taxes	33,637	0	72,791
Pawn loans	217,358	0	217,358	0
Finance receivables, net	0	0	0	0
Inventories	85,360	0	85,360	0
Leased merchandise, net	0	0	0	0
Goodwill	139,118	0	139,118	0
Assets	587,911	0	587,911	0
Retail POS Payment Solutions \| UNITED STATES \| Operating Segments
Revenue:
Retail merchandise sales	0	0	0
Pawn loan fees	0	0	0
Leased merchandise income	115,499	139,784	245,686
Interest and fees on retail finance products	73,962	76,075	148,297
Wholesale scrap jewelry sales	0	0	0
Other revenue	0		0
Total revenue	189,461	215,859	393,983
Cost of revenue:
Cost of retail merchandise sold	0	0	0
Depreciation of leased merchandise	71,701	78,529	153,053
Provision for lease losses	24,516	32,667	54,447
Provision for loan losses	39,930	41,761	82,774
Cost of wholesale scrap jewelry sold	0	0	0
Other cost of revenue	0		0
Total cost of revenue	136,147	152,957	290,274
Net revenue	53,314	62,902	103,709
Expenses and other income:
Operating expenses	23,846	24,264	47,602
Administrative expenses	0	0	0
Depreciation and amortization	730	699	1,450
Interest expense	0	0	0
Interest income	0	0	0
Loss (gain) on foreign exchange	0	0	0
Merger and acquisition expenses	0	0	0
Other income, net	0	0	0
Total expenses and other income	24,576	24,963	49,052
Income (loss) before income taxes	28,738	37,939	54,657
Pawn loans	0	0	0	0
Finance receivables, net	131,002	154,518	131,002	154,518
Inventories	0	0	0	0
Leased merchandise, net	84,579	100,852	84,579	100,852
Goodwill	486,205	486,205	486,205	486,205
Assets	$ 799,263	$ 901,034	$ 799,263	$ 901,034

Earnings Per Share (Tables)

6 Months Ended

Jun. 30, 2026

Earnings Per Share [Abstract]

Schedule of Earnings per Share

The following table sets forth the computation of basic and diluted earnings per share (in thousands, except per share amounts):


	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2026		2025		2026		2025
Numerator:
Net income	$	93,467	$	59,805	$	201,169	$	143,396



Denominator:
Weighted-average common shares for calculating basic earnings per share	43,799		44,365		43,931		44,506
Effect of dilutive securities:
Restricted stock unit awards	237		187		211		164
Weighted-average common shares for calculating diluted earnings per share	44,036		44,552		44,142		44,670

Earnings per share:
Basic	$	2.13	$	1.35	$	4.58	$	3.22
Diluted	$	2.12	$	1.34	$	4.56	$	3.21

Operating Leases - Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Leases [Abstract]
Operating lease expense	$ 40,368	$ 36,588	$ 81,227	$ 71,217
Variable lease expense	5,843	4,913	11,432	9,717
Total operating lease expense	$ 46,211	$ 41,501	$ 92,659	$ 80,934

Fair Value of Financial Instruments

6 Months Ended

Jun. 30, 2026

Fair Value Disclosures [Abstract]

Fair Value of Financial Instruments

The fair value of financial instruments is determined by reference to various market data and other valuation techniques, as appropriate. Financial assets and liabilities are classified based on the lowest level of input that is significant to the fair value measurement. The Company’s assessment of the significance of a particular input to the fair value measurement requires judgment, and may affect the valuation of the fair value of assets and liabilities and their placement within the fair value hierarchy levels. The three fair value levels are (from highest to lowest):

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

Level 2: Observable market-based inputs or unobservable inputs that are corroborated by market data.

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

Recurring Fair Value Measurements

The Company did not have any financial assets and liabilities measured at fair value on a recurring basis as of June 30, 2026, June 30, 2025 and December 31, 2025.

Fair Value Measurements on a Non-Recurring Basis

The Company measures non-financial assets and liabilities, such as property and equipment and intangible assets, at fair value on a non-recurring basis, or when events or circumstances indicate that the carrying amount of the assets may be impaired. There were no such events or conditions identified during the six months ended June 30, 2026.

Financial Assets and Liabilities Not Measured at Fair Value, But for Which Fair Value is Disclosed

The Company’s financial assets and liabilities as of June 30, 2026, June 30, 2025 and December 31, 2025 that are not measured at fair value in the consolidated balance sheets are as follows (in thousands):


	Carrying Value		Estimated Fair Value
	June 30,		June 30,		Fair Value Measurements Using
	2026		2026		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	172,298	$	172,298	$	172,298	$	—	$	—
Accounts receivable, net	120,884		120,884		—		—		120,884
Pawn loans	897,555		897,555		—		—		897,555
Finance receivables, net (1)	131,002		262,846		—		—		262,846
	$	1,321,739	$	1,453,583	$	172,298	$	—	$	1,281,285

Financial liabilities:
Liability for off-balance sheet credit exposure	$	18,341	$	18,341	$	—	$	—	$	18,341
Revolving unsecured credit facility	69,000		69,000		—		69,000		—
Other long-term debt (outstanding principal)	2,300,000		2,292,000		—		2,292,000		—
	$	2,387,341	$	2,379,341	$	—	$	2,361,000	$	18,341

(1)Finance receivables, gross as of June 30, 2026 was $264.5 million. See Note 6.


	Carrying Value		Estimated Fair Value
	June 30,		June 30,		Fair Value Measurements Using
	2025		2025		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	101,467	$	101,467	$	101,467	$	—	$	—
Accounts receivable, net	76,062		76,062		—		—		76,062
Pawn loans	550,718		550,718		—		—		550,718
Finance receivables, net (1)	154,518		313,281		—		—		313,281
	$	882,765	$	1,041,528	$	101,467	$	—	$	940,061

Financial liabilities:

Revolving unsecured credit facility	152,000		152,000		—		152,000		—
Other long-term debt (outstanding principal)	1,550,000		1,548,000		—		1,548,000		—
	$	1,702,000	$	1,700,000	$	—	$	1,700,000	$	—

(1)Finance receivables, gross as of June 30, 2025 was $311.4 million. See Note 6.


	Carrying Value		Estimated Fair Value
	December 31,		December 31,		Fair Value Measurements Using
	2025		2025		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	125,197	$	125,197	$	125,197	$	—	$	—
Accounts receivable, net	115,854		115,854		—		—		115,854
Pawn loans	831,497		831,497		—		—		831,497
Finance receivables, net (1)	150,274		281,504		—		—		281,504
	$	1,222,822	$	1,354,052	$	125,197	$	—	$	1,228,855

Financial liabilities:
Liability for off-balance sheet credit exposure	$	13,782	$	13,782	$	—	$	—	$	13,782
Revolving unsecured credit facility	559,000		559,000		—		559,000		—
Other long-term debt (outstanding principal)	1,665,006		1,679,006		—		1,679,006		—
	$	2,237,788	$	2,251,788	$	—	$	2,238,006	$	13,782

(1)Finance receivables, gross as of December 31, 2025 were $283.5 million. See Note 6.

As cash and cash equivalents have maturities of less than three months, the carrying value of cash and cash equivalents approximates fair value. Due to their short-term maturities, the carrying value of pawn loans and accounts receivable, net approximate fair value.

Finance receivables are measured at amortized cost, net of an allowance for loan losses on the consolidated balance sheets. In estimating fair value for finance receivables, the Company utilized a discounted cash flow methodology. The Company used various unobservable inputs reflecting its own assumptions, such as contractual future principal and interest cash flows, future charge-off rates and discount rates (which consider current interest rates and are adjusted for credit risk, among other factors).

The carrying value of the liability for off-balance sheet credit exposure approximates fair value as of June 30, 2026 and December 31, 2025 due to the short-term nature and estimation based on current expected lifetime losses.

The carrying value of the revolving unsecured credit facility approximates fair value as of June 30, 2026, June 30, 2025 and December 31, 2025. The fair value of the revolving unsecured credit facility is estimated based on market values for debt issuances with similar characteristics or rates currently available for debt with similar terms. In addition, the revolving unsecured credit facility has a variable interest rate based on the prevailing secured overnight financing rate (“SOFR”) and reprices with any changes in SOFR.

As of June 30, 2026, the other long-term debt consists of fixed rate senior unsecured notes. As of June 30, 2025 and December 31, 2025, the other long-term debt consists primarily of fixed rate senior unsecured notes and secured term loans. The fair value of the senior unsecured notes is estimated based on quoted prices in markets that are not active. The fair value of the secured term loans is estimated based on market values for debt issuances with similar characteristics or rates currently available for debt with similar terms. The remainder of the other long-term debt consists of two variable interest rate credit facilities, the carrying value of which approximates fair value as of June 30, 2025 and December 31, 2025.

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.

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CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025	Jun. 30, 2025
Current assets
Cash and cash equivalents	$ 172,298	$ 125,197	$ 101,467
Accounts receivable, net	120,884	115,854	76,062
Pawn loans	897,555	831,497	550,718
Finance receivables, net	131,002	150,274	154,518
Inventories	570,493	487,232	355,733
Leased merchandise, net	84,569	114,283	100,689
Prepaid Expense and Other Assets, Current	41,911	32,131	35,667
Total current assets	2,018,712	1,856,468	1,374,854
Property and equipment, net	855,034	808,050	750,862
Operating lease right of use asset	363,132	365,621	342,859
Goodwill	2,030,563	2,023,426	1,826,184
Intangible assets, net	200,247	231,140	204,643
Other assets	9,639	9,796	9,805
Deferred tax assets, net	8,246	6,262	5,042
Total assets	5,485,573	5,300,763	4,514,249
Current liabilities
Accounts payable and accrued liabilities	208,170	212,615	145,035
Customer deposits and prepayments	93,437	83,908	80,848
Lease liability, current	111,512	111,291	100,845
Total current liabilities	413,119	407,814	326,728
Revolving unsecured credit facility	69,000	559,000	152,000
Other long-term debt	2,277,039	1,649,434	1,532,865
Deferred tax liabilities, net	159,158	158,819	125,290
Lease liability, non-current	245,465	248,934	237,198
Total liabilities	3,163,781	3,024,001	2,374,081
Stockholders’ equity:
Common stock	575	575	575
Additional paid-in capital	1,761,131	1,771,379	1,760,179
Retained earnings	1,834,886	1,670,583	1,520,677
Accumulated other comprehensive loss	(55,746)	(64,835)	(96,267)
Common stock held in treasury, at cost	(1,219,054)	(1,100,940)	(1,044,996)
Total stockholders’ equity	2,321,792	2,276,762	2,140,168
Total liabilities and stockholders’ equity	$ 5,485,573	$ 5,300,763	$ 4,514,249

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Statement of Comprehensive Income [Abstract]
Net income	$ 93,467	$ 59,805	$ 201,169	$ 143,396
income (loss)
Currency translation adjustment	20,653	34,273	9,089	33,329
Loss	$ 114,120	$ 94,078	$ 210,258	$ 176,725

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

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

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-URI https://asc.fasb.org/1943274/2147482740/230-10-45-28

Reference 50: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 1A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482790/220-10-45-1A

Reference 51: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 1B
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147482790/220-10-45-1B

Reference 52: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 65
-Paragraph 4
-Subparagraph (f)(4)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481538/470-20-65-4

Reference 53: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 942
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(22))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478524/942-220-S99-1

Long-Term Debt

6 Months Ended

Jun. 30, 2026

Debt Disclosure [Abstract]

Long-term Debt

Long-Term Debt

The following table details the Company’s long-term debt at the respective principal amounts, net of unamortized debt issuance costs on the senior unsecured notes (in thousands):


	As of June 30,				As of December 31,
	2026		2025		2025
Revolving credit facilities:
Revolving unsecured credit facility, maturing 2029 (1)	$	69,000	$	152,000	$	559,000
Revolving secured credit facility, maturing 2027 (2)	—		—		54,476
Revolving unsecured uncommitted credit facility, maturing 2027 (1)	—		—		—
Total revolving credit facilities	69,000		152,000		613,476

Secured term loans:
Secured term loan, maturing 2027 (2)	—		—		26,902
Secured term loan, maturing 2029 (2)	—		—		13,451
Secured term loan, maturing 2031 (2)	—		—		20,177
Total secured term loans	—		—		60,530

Senior unsecured notes:
4.625% senior unsecured notes due 2028 (3)	497,292		496,135		496,706
5.625% senior unsecured notes due 2030 (4)	545,714		544,643		545,171
6.875% senior unsecured notes due 2032 (5)	493,032		492,087		492,551
6.125% senior unsecured notes due 2034 (6)	741,001		—		—
Total senior unsecured notes	2,277,039		1,532,865		1,534,428

Total long-term debt	$	2,346,039	$	1,684,865	$	2,208,434

(1)Debt issuance costs related to the Company’s revolving unsecured credit facilities are included in other assets in the accompanying consolidated balance sheets.

(2)Assumed on August 14, 2025 in connection with the H&T Acquisition and repaid and terminated during the three months ended June 30, 2026.

Revolving Unsecured Credit Facility

As of June 30, 2026, the Company maintained an unsecured line of credit with a group of U.S.-based commercial lenders (the “Credit Facility”) in the amount of $700.0 million. The Credit Facility matures on August 8, 2029. As of June 30, 2026, the Company had $69.0 million in outstanding borrowings and $3.5 million in outstanding letters of credit under the Credit Facility, leaving $627.5 million available for future borrowings, subject to certain financial covenants. The Credit Facility bears interest at the Company’s option of either (1) the prevailing SOFR (with interest periods of one, three or six months at the Company’s option) plus a fixed spread of 2.5% or (2) the prevailing prime or base rate plus a fixed spread of 1.5%. The agreement has a SOFR floor of 0%. Additionally, the Company is required to pay an annual commitment fee of 0.325% on the average daily unused portion of the Credit Facility commitment. The weighted-average interest rate on amounts outstanding under the Credit Facility at June 30, 2026 was 6.12% based on one-month SOFR. Under the terms of the Credit Facility, the Company is required to maintain certain financial ratios and comply with certain financial covenants. The Credit Facility also contains customary restrictions on the Company’s ability to incur additional debt, grant liens, make investments, consummate acquisitions and similar negative covenants with customary carve-outs and baskets. The Company was in compliance with the covenants of the Credit Facility as of June 30, 2026. During the six months ended June 30, 2026, the Company made net payments of $490.0 million pursuant to the Credit Facility.

Acquisition Bridge Credit Agreement

In connection with the anticipated Ramsdens Acquisition, the Company entered into a Bridge Term Loan Credit Agreement (“Bridge Facility”), dated as of June 23, 2026 and amended as of July 16, 2026, with Jefferies Finance LLC (as administrative agent and lender) providing the Company certain borrowings in an aggregate amount of up to £239.0 million. The Bridge Facility provides a backstop for the anticipated financing of the Ramsdens Acquisition and satisfies the “certain funds” requirements under the United Kingdom City Code on Takeovers and Mergers. The availability of borrowings under the Bridge Facility is subject to the satisfaction of certain customary conditions, including, but not limited to, the consummation of the Ramsdens Acquisition contemporaneously with the initial funding of the Bridge Facility. The Company expects to replace the Bridge Facility prior to the closing date of the Ramsdens Acquisition by borrowing on the Credit Facility to finance the Ramsdens Acquisition and to pay related fees and expenses.

Revolving Secured Credit Facility

In connection with the H&T Acquisition, the Company assumed a secured line of credit with a bank in the U.K. in an amount of £45.0 million which was scheduled to mature on December 22, 2027 (the “U.K. Credit Facility”). The U.K. Credit Facility bore interest at the prevailing Sterling Overnight Index Average (“SONIA”) (with interest periods of one, three or six months at H&T’s option) plus a spread of between 2.4% and 3.3% depending on certain ratios. The U.K. Credit Facility was secured by all of the assets of H&T. In May 2026, all outstanding amounts were repaid in full, and the U.K. Credit Facility was terminated.

Revolving Unsecured Uncommitted Credit Facility

As of June 30, 2026, the Company’s primary subsidiary in Mexico, First Cash S.A. de C.V., maintained an unsecured and uncommitted line of credit guaranteed by FirstCash, Inc. with a bank in Mexico (the “Mexico Credit Facility”) in the amount of $600.0 million Mexican pesos. The Mexico Credit Facility bears interest at the Mexican Central Bank’s interbank equilibrium rate plus a fixed spread of 2.25% and matures on August 24, 2027. Under the terms of the Mexico Credit Facility, the Company is required to maintain certain financial ratios and comply with certain financial covenants. The Company was in compliance with the covenants of the Mexico Credit Facility as of June 30, 2026. As of June 30, 2026, the Company had no amount outstanding under the Mexico Credit Facility and $34.4 million ($600.0 million pesos) available for future borrowings.

Secured Term Loans

In connection with the H&T Acquisition, the Company assumed three secured term loans with multiple lending institutions in the U.K. in an aggregate amount of £45.0 million, which were scheduled to mature between December 22, 2027 and February 21, 2031 (the “U.K. Term Loans”). The U.K. Term Loans bore interest at the Bank of England base rate plus a fixed spread of 4.00%, a fixed rate of 8.37% or a fixed rate of 8.43%. The U.K. Term Loans were secured by all of the assets of H&T. In May 2026, all outstanding amounts were repaid in full, and the U.K. Term Loans were terminated. As a result of the early termination, the Company paid aggregate prepayment penalties of £3.1 million ($4.2 million), which are included in merger and acquisition expenses in the accompanying consolidated statements of income.

Senior Unsecured Notes Due 2028

On August 26, 2020, the Company issued $500.0 million of 4.625% senior unsecured notes due on September 1, 2028 (the “2028 Notes”), all of which are currently outstanding. Interest on the 2028 Notes is payable semi-annually in arrears on March 1 and September 1. The 2028 Notes are fully and unconditionally guaranteed on a senior unsecured basis jointly and severally by all of the Company's existing and future domestic subsidiaries that guarantee its Credit Facility. The 2028 Notes will permit the Company to make restricted payments, such as purchasing shares of its stock and paying cash dividends, in an unlimited amount if, after giving pro forma effect to the incurrence of any indebtedness to make such payment, the Company's consolidated total debt ratio is less than 2.75 to 1. The consolidated total debt ratio is defined generally in the indenture governing the 2028 Notes as the ratio of (1) the total consolidated debt of the Company minus cash and cash equivalents of the Company to (2) the Company’s consolidated trailing twelve months EBITDA, as adjusted to exclude certain non-recurring expenses and giving pro forma effect to operations acquired during the measurement period. As of June 30, 2026, the Company’s consolidated total debt ratio was 2.6 to 1. While the 2028 Notes generally limit the Company’s ability to make restricted payments if the consolidated total debt ratio is greater than 2.75 to 1, restricted payments are allowable within certain permitted baskets, which currently provide the Company with continued flexibility to make restricted payments when the Company’s consolidated total debt ratio is greater than 2.75 to 1.

Senior Unsecured Notes Due 2030

On December 13, 2021, the Company issued $550.0 million of 5.625% senior unsecured notes due on January 1, 2030 (the “2030 Notes”), all of which are currently outstanding. Interest on the 2030 Notes is payable semi-annually in arrears on January 1 and July 1. The 2030 Notes are fully and unconditionally guaranteed on a senior unsecured basis jointly and severally by all of the Company's existing and future domestic subsidiaries that guarantee its Credit Facility. The 2030 Notes will permit the Company to make restricted payments, such as purchasing shares of its stock and paying cash dividends, in an unlimited amount if, after giving pro forma effect to the incurrence of any indebtedness to make such payment, the Company's consolidated total debt ratio is less than 3.0 to 1. The consolidated total debt ratio is defined generally in the indenture governing the 2030 Notes as the ratio of (1) the total consolidated debt of the Company minus cash and cash equivalents of the Company to (2) the Company’s consolidated trailing twelve months EBITDA, as adjusted to exclude certain non-recurring expenses and giving pro forma effect to operations acquired during the measurement period. As of June 30, 2026, the Company’s consolidated total debt ratio was 2.6 to 1. While the 2030 Notes generally limit the Company’s ability to make restricted payments if the consolidated total debt ratio is greater than 3.0 to 1, restricted payments are allowable within certain permitted baskets, which currently provide the Company with continued flexibility to make restricted payments when the Company’s consolidated total debt ratio is greater than 3.0 to 1.

Senior Unsecured Notes Due 2032

On February 21, 2024, the Company issued $500.0 million of 6.875% senior unsecured notes due on March 1, 2032 (the “2032 Notes”), all of which are currently outstanding. Interest on the 2032 Notes is payable semi-annually in arrears on March 1 and September 1. The 2032 Notes are fully and unconditionally guaranteed on a senior unsecured basis jointly and severally by all of the Company's existing and future domestic subsidiaries that guarantee its Credit Facility. The 2032 Notes will permit the Company to make restricted payments, such as purchasing shares of its stock and paying cash dividends, in an unlimited amount if, after giving pro forma effect to the incurrence of any indebtedness to make such payment, the Company's consolidated total debt ratio is less than 3.0 to 1. The consolidated total debt ratio is defined generally in the indenture governing the 2032 Notes as the ratio of (1) the total consolidated debt of the Company minus cash and cash equivalents of the Company to (2) the Company’s consolidated trailing twelve months EBITDA, as adjusted to exclude certain non-recurring expenses and giving pro forma effect to operations acquired during the measurement period. As of June 30, 2026, the Company’s consolidated total debt ratio was 2.6 to 1. While the 2032 Notes generally limit the Company’s ability to make restricted payments if the consolidated total debt ratio is greater than 3.0 to 1, restricted payments are allowable within certain permitted baskets, which currently provide the Company with continued flexibility to make restricted payments when the Company’s consolidated total debt ratio is greater than 3.0 to 1.

Senior Unsecured Notes Due 2034

On May 1, 2026, the Company issued $750.0 million of 6.125% senior unsecured notes due on May 1, 2034 (the “2034 Notes”), all of which are currently outstanding. Interest on the 2034 Notes is payable semi-annually in arrears on May 1 and November 1, commencing on November 1, 2026. The 2034 Notes were sold in a private placement in reliance on Rule 144A and Regulation S under the Securities Act. The Company used the net proceeds from the offering to repay a portion of the outstanding balance on the Credit Facility, to repay the U.K. Credit Facility in full and to repay the U.K. Term Loans in full, after payment of fees and expenses related to the offering. The Company capitalized $9.1 million in debt issuance costs, which

consisted primarily of the initial purchaser’s discount and fees and legal and other professional expenses. The debt issuance costs are being amortized over the life of the 2034 Notes as a component of interest expense and are carried as a direct deduction from the carrying amount of the 2034 Notes in the accompanying consolidated balance sheets.

The 2034 Notes are fully and unconditionally guaranteed on a senior unsecured basis jointly and severally by all of the Company's existing and future domestic subsidiaries that guarantee its Credit Facility. The 2034 Notes will permit the Company to make restricted payments, such as purchasing shares of its stock and paying cash dividends, in an unlimited amount if, after giving pro forma effect to the incurrence of any indebtedness to make such payment, the Company's consolidated total debt ratio is less than 3.0 to 1. The consolidated total debt ratio is defined generally in the indenture governing the 2034 Notes (the “2034 Notes Indenture”) as the ratio of (1) the total consolidated debt of the Company minus cash and cash equivalents of the Company to (2) the Company’s consolidated trailing twelve months EBITDA, as adjusted to exclude certain non-recurring expenses and giving pro forma effect to operations acquired during the measurement period. As of June 30, 2026, the Company’s consolidated total debt ratio was 2.6 to 1. While the 2034 Notes generally limit the Company’s ability to make restricted payments if the consolidated total debt ratio is greater than 3.0 to 1, restricted payments are allowable within certain permitted baskets, which currently provide the Company with continued flexibility to make restricted payments when the Company’s consolidated total debt ratio is greater than 3.0 to 1.

The Company may redeem some or all of the 2034 Notes at any time on or after May 1, 2029, at the redemption prices set forth in the 2034 Notes Indenture, plus accrued and unpaid interest, if any. In addition, prior to May 1, 2029, the Company may redeem some or all of the 2034 Notes at a price equal to 100% of the principal amount thereof, plus accrued and unpaid interest, if any, plus a “make-whole” premium set forth in the 2034 Notes Indenture. The Company may redeem up to 40% of the 2034 Notes on or prior to May 1, 2029 with the proceeds of certain equity offerings at the redemption prices set forth in the 2034 Notes Indenture. If the Company or any of its restricted subsidiaries sells certain assets or if the Company consummates certain change in control transactions, the Company will be required to make an offer to repurchase the 2034 Notes.

Finance Receivables, Net

6 Months Ended

Jun. 30, 2026

Schedule of Fair Value by Balance Sheet Grouping

Finance Receivables, Net

Finance receivables, net, which include retail installment sales agreements and bank-originated loans, consist of the following (in thousands):


	As of June 30,				As of December 31,
	2026		2025		2025
Finance receivables, gross	$	264,486	$	311,424	$	283,514
Merchant partner discounts and premiums, net	(25,276)		(27,946)		(22,728)
Unearned origination fees	(3,202)		(6,086)		(4,186)
Finance receivables, amortized cost	236,008		277,392		256,600
Less allowance for loan losses	(105,006)		(122,874)		(106,326)
Finance receivables, net	$	131,002	$	154,518	$	150,274

The following table details the changes in the allowance for loan losses (in thousands):


	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2026		2025		2026		2025
Balance at beginning of period	$	104,571	$	118,342	$	106,326	$	117,005
Provision for loan losses (1)	32,460		41,761		67,700		78,121
Charge-offs	(36,158)		(40,078)		(76,964)		(78,497)
Recoveries	4,133		2,849		7,944		6,245
Balance at end of period	$	105,006	$	122,874	$	105,006	$	122,874

The following is an assessment of the credit quality indicators of the amortized cost of finance receivables as of June 30, 2026 and 2025, by origination year (in thousands):


	Origination Year
	2026		2025		2024		Total
As of June 30, 2026
Delinquency:
1 to 30 days past due	$	15,487	$	9,353	$	719	$	25,559
31 to 60 days past due	8,665		6,233		533		15,431
61 to 89 days past due (1)	5,984		5,554		505		12,043
Total past due finance receivables	30,136		21,140		1,757		53,033
Current finance receivables	115,974		62,260		4,741		182,975
Finance receivables, amortized cost	$	146,110	$	83,400	$	6,498	$	236,008


	Origination Year
	2025		2024		2023		Total
As of June 30, 2025
Delinquency:
1 to 30 days past due	$	17,683	$	9,968	$	489	$	28,140
31 to 60 days past due	9,946		6,998		348		17,292
61 to 89 days past due (1)	6,189		5,853		321		12,363
Total past due finance receivables	33,818		22,819		1,158		57,795
Current finance receivables	143,543		72,667		3,387		219,597
Finance receivables, amortized cost	$	177,361	$	95,486	$	4,545	$	277,392

(1)The Company charges off finance receivables when a receivable is 90 days or more contractually past due.

The following table details the gross charge-offs of finance receivables for the six months ended June 30, 2026 and 2025, by origination year (in thousands):


	Origination Year
	2026		2025		2024		2023		Total
Finance receivables gross charge-offs:
Gross charge-offs during the six months ended June 30, 2026	$	9,820	$	60,103	$	7,041	$	—	$	76,964

Gross charge-offs during the six months ended June 30, 2025	—		9,902		63,060		5,535		78,497

Fair Value of Financial Instruments (Tables)

6 Months Ended

Jun. 30, 2026

Fair Value Disclosures [Abstract]


	Carrying Value		Estimated Fair Value
	June 30,		June 30,		Fair Value Measurements Using
	2026		2026		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	172,298	$	172,298	$	172,298	$	—	$	—
Accounts receivable, net	120,884		120,884		—		—		120,884
Pawn loans	897,555		897,555		—		—		897,555
Finance receivables, net (1)	131,002		262,846		—		—		262,846
	$	1,321,739	$	1,453,583	$	172,298	$	—	$	1,281,285

Financial liabilities:
Liability for off-balance sheet credit exposure	$	18,341	$	18,341	$	—	$	—	$	18,341
Revolving unsecured credit facility	69,000		69,000		—		69,000		—
Other long-term debt (outstanding principal)	2,300,000		2,292,000		—		2,292,000		—
	$	2,387,341	$	2,379,341	$	—	$	2,361,000	$	18,341

(1)Finance receivables, gross as of June 30, 2026 was $264.5 million. See Note 6.


	Carrying Value		Estimated Fair Value
	June 30,		June 30,		Fair Value Measurements Using
	2025		2025		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	101,467	$	101,467	$	101,467	$	—	$	—
Accounts receivable, net	76,062		76,062		—		—		76,062
Pawn loans	550,718		550,718		—		—		550,718
Finance receivables, net (1)	154,518		313,281		—		—		313,281
	$	882,765	$	1,041,528	$	101,467	$	—	$	940,061

Financial liabilities:

Revolving unsecured credit facility	152,000		152,000		—		152,000		—
Other long-term debt (outstanding principal)	1,550,000		1,548,000		—		1,548,000		—
	$	1,702,000	$	1,700,000	$	—	$	1,700,000	$	—

(1)Finance receivables, gross as of June 30, 2025 was $311.4 million. See Note 6.


	Carrying Value		Estimated Fair Value
	December 31,		December 31,		Fair Value Measurements Using
	2025		2025		Level 1		Level 2		Level 3
Financial assets:
Cash and cash equivalents	$	125,197	$	125,197	$	125,197	$	—	$	—
Accounts receivable, net	115,854		115,854		—		—		115,854
Pawn loans	831,497		831,497		—		—		831,497
Finance receivables, net (1)	150,274		281,504		—		—		281,504
	$	1,222,822	$	1,354,052	$	125,197	$	—	$	1,228,855

Financial liabilities:
Liability for off-balance sheet credit exposure	$	13,782	$	13,782	$	—	$	—	$	13,782
Revolving unsecured credit facility	559,000		559,000		—		559,000		—
Other long-term debt (outstanding principal)	1,665,006		1,679,006		—		1,679,006		—
	$	2,237,788	$	2,251,788	$	—	$	2,238,006	$	13,782

(1)Finance receivables, gross as of December 31, 2025 were $283.5 million. See Note 6.

Finance Receivables, Charge - offs (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Schedule of Finance Receivable Charge-offs to Allowance for credit losses [Line Items]
Financing receivable, allowance for credit loss, writeoff	$ 36,158	$ 40,078	$ 76,964	$ 78,497
Current Year
Schedule of Finance Receivable Charge-offs to Allowance for credit losses [Line Items]
Financing receivable, allowance for credit loss, writeoff			9,820	0
Prior Year
Schedule of Finance Receivable Charge-offs to Allowance for credit losses [Line Items]
Financing receivable, allowance for credit loss, writeoff			60,103	9,902
Two Years Prior
Schedule of Finance Receivable Charge-offs to Allowance for credit losses [Line Items]
Financing receivable, allowance for credit loss, writeoff			7,041	63,060
Three Years Prior
Schedule of Finance Receivable Charge-offs to Allowance for credit losses [Line Items]
Financing receivable, allowance for credit loss, writeoff			$ 0	$ 5,535

Fair Value of Financial Instruments - Financial Assets and Liabilities Not Measured at Fair Value (Details) - USD ($) $ in Thousands	Jun. 30, 2026	Dec. 31, 2025	Jun. 30, 2025
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Finance receivables, gross	$ 264,486	$ 283,514	$ 311,424
Carrying Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	172,298	125,197	101,467
Accounts receivable, net	120,884	115,854	76,062
Total assets	1,321,739	1,222,822	882,765
Total liabilities	2,387,341	2,237,788	1,702,000
Carrying Value \| Line of Credit
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	69,000	559,000	152,000
Carrying Value \| Senior Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	2,300,000	1,665,006	1,550,000
Carrying Value \| Off Balance Sheet Credit Exposure
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	18,341	13,782
Carrying Value \| Pawn loans
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, fair value disclosure	897,555	831,497	550,718
Carrying Value \| Financing Receivable
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, fair value disclosure	131,002	150,274	154,518
Estimated Fair Value
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	172,298	125,197	101,467
Accounts receivable, net	120,884	115,854	76,062
Total assets	1,453,583	1,354,052	1,041,528
Total liabilities	2,379,341	2,251,788	1,700,000
Estimated Fair Value \| Line of Credit
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	69,000	559,000	152,000
Estimated Fair Value \| Senior Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	2,292,000	1,679,006	1,548,000
Estimated Fair Value \| Off Balance Sheet Credit Exposure
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	18,341	13,782
Estimated Fair Value \| Pawn loans
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, fair value disclosure	897,555	831,497	550,718
Estimated Fair Value \| Financing Receivable
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, fair value disclosure	262,846	281,504	313,281
Estimated Fair Value \| Level 1
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	172,298	125,197	101,467
Accounts receivable, net	0	0	0
Total assets	172,298	125,197	101,467
Total liabilities	0	0	0
Estimated Fair Value \| Level 1 \| Line of Credit
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	0	0	0
Estimated Fair Value \| Level 1 \| Senior Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	0	0	0
Estimated Fair Value \| Level 1 \| Off Balance Sheet Credit Exposure
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	0	0
Estimated Fair Value \| Level 1 \| Pawn loans
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, fair value disclosure	0	0	0
Estimated Fair Value \| Level 1 \| Financing Receivable
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, fair value disclosure	0	0	0
Estimated Fair Value \| Level 2
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	0	0	0
Accounts receivable, net	0	0	0
Total assets	0	0	0
Total liabilities	2,361,000	2,238,006	1,700,000
Estimated Fair Value \| Level 2 \| Line of Credit
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	69,000	559,000	152,000
Estimated Fair Value \| Level 2 \| Senior Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	2,292,000	1,679,006	1,548,000
Estimated Fair Value \| Level 2 \| Off Balance Sheet Credit Exposure
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	0	0
Estimated Fair Value \| Level 2 \| Pawn loans
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, fair value disclosure	0	0	0
Estimated Fair Value \| Level 2 \| Financing Receivable
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, fair value disclosure	0	0	0
Estimated Fair Value \| Level 3
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	0	0	0
Accounts receivable, net	120,884	115,854	76,062
Total assets	1,281,285	1,228,855	940,061
Total liabilities	18,341	13,782	0
Estimated Fair Value \| Level 3 \| Line of Credit
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	0	0	0
Estimated Fair Value \| Level 3 \| Senior Notes
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	0	0	0
Estimated Fair Value \| Level 3 \| Off Balance Sheet Credit Exposure
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Debt	18,341	13,782
Estimated Fair Value \| Level 3 \| Pawn loans
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, fair value disclosure	897,555	831,497	550,718
Estimated Fair Value \| Level 3 \| Financing Receivable
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans receivable, fair value disclosure	$ 262,846	$ 281,504	$ 313,281

Operating Leases

6 Months Ended

Jun. 30, 2026

Leases [Abstract]

Operating Leases

Lessor

For information about the Company’s revenue-generating activities as a lessor, refer to the “Leased merchandise and revenue recognition” section of Note 2 to the consolidated financial statements included in the Company’s 2025 Annual Report on Form 10-K. All of the Company’s lease agreements are considered operating leases.

Lessee

The Company leases approximately 62% of its U.S. pawnshop locations, almost all of its Latin America and U.K. pawnshop locations and certain administrative offices under operating leases and determines if an arrangement is or contains a lease at inception. Many leases include both lease and non-lease components for which the Company accounts separately. Lease components include rent, taxes and insurance costs while non-lease components include common area or other maintenance costs. Operating leases are included in operating lease right of use assets, lease liability, current and lease liability, non-current in the consolidated balance sheets. The Company does not have any finance leases.

Leased facilities are generally leased for a term of three to five years with one or more options to renew for an additional three to five years, typically at the Company’s sole discretion. In addition, the majority of these leases can be terminated early upon an adverse change in law which negatively affects the store’s profitability. The Company regularly evaluates renewal and termination options to determine if the Company is reasonably certain to exercise the option, and excludes these options from the lease term included in the recognition of the operating lease right of use asset and lease liability until such certainty exists. The weighted-average remaining lease term for operating leases was 4.1 years as of June 30, 2026 and 4.2 years as of June 30, 2025.

The operating lease right of use asset and lease liability is recognized based on the present value of the future minimum lease payments over the lease term at the commencement date. The Company’s leases do not provide an implicit rate, and therefore, it uses its incremental borrowing rate based on the information available at the lease commencement date in determining the present value of the lease payments. The Company utilizes a portfolio approach for determining the incremental borrowing rate to apply to groups of leases with similar characteristics. The weighted-average discount rate used to measure the lease liability as of June 30, 2026 and 2025 was 8.0% and 8.5%, respectively.

The Company has certain operating leases in Mexico which are denominated in U.S. dollars. The liability related to these leases is considered a monetary liability and requires remeasurement each reporting period into the functional currency (Mexican pesos) using reporting date exchange rates. The remeasurement results in the recognition of foreign currency exchange gains or losses each reporting period, which can produce a certain level of earnings volatility. The Company recognized a foreign currency gain of $0.8 million and $1.6 million during the three months ended June 30, 2026 and 2025, respectively, related to the remeasurement of these U.S. dollar-denominated operating leases, which is included in loss (gain) on foreign exchange in the accompanying consolidated statements of income. During the six months ended June 30, 2026 and 2025, the Company recognized a foreign currency gain of $1.6 million and $1.5 million, respectively, related to these U.S. dollar denominated operating leases.

Lease expense is recognized on a straight-line basis over the lease term, with variable lease expense recognized in the period such payments are incurred. The following table details the components of lease expense included in operating expenses in the consolidated statements of income during the three and six months ended June 30, 2026 and 2025 (in thousands):


	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2026		2025		2026		2025
Operating lease expense	$	40,368	$	36,588	$	81,227	$	71,217
Variable lease expense (1)	5,843		4,913		11,432		9,717
Total operating lease expense	$	46,211	$	41,501	$	92,659	$	80,934

(1)Variable lease costs consist primarily of taxes, insurance and common area or other maintenance costs paid based on actual costs incurred by the lessor and can therefore vary over the lease term.

The following table details the maturity of lease liabilities for all operating leases as of June 30, 2026 (in thousands):


Six months ending December 31, 2026	$	71,570
2027	119,538
2028	93,523
2029	64,238
2030	32,598
Thereafter	36,628
Total	$	418,095
Less amount of lease payments representing interest	(61,118)
Total present value of lease payments	$	356,977

The following table details supplemental cash flow information related to operating leases for the six months ended June 30, 2026 and 2025 (in thousands):


	Six Months Ended
	June 30,
	2026		2025
Cash paid for amounts included in the measurement of operating lease liabilities	$	75,026	$	64,927
Leased assets obtained in exchange for new operating lease liabilities	$	52,595	$	61,208

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2026	Jun. 30, 2025
Cash flow from operating activities:
Net income	$ 201,169	$ 143,396
Adjustments to reconcile net income to net cash flow provided by operating activities:
Depreciation of leased merchandise	152,709	167,091
Provision for lease losses	54,183	60,105
Provision for loan losses	82,774	78,121
Share-based compensation expense	10,750	9,050
Depreciation and amortization expense	63,956	51,366
Amortization of debt issuance costs	2,136	1,971
Loss on extinguishment of debt	4,182	0
Net amortization of premiums, discounts and unearned origination fees on finance receivables	(33,966)	(29,161)
Deferred income taxes, net	(1,320)	(3,282)
Changes in operating assets and liabilities, net of business combinations:
Accounts receivable, net	(4,881)	(1,410)
Inventories purchased directly from customers, wholesalers or manufacturers	5,354	(4,125)
Leased merchandise	(177,178)	(199,448)
Prepaid expenses and other assets	(1,633)	(7,201)
Accounts payable, accrued liabilities and other liabilities	(9,800)	(21,963)
Income taxes	(18,030)	(1,016)
Net cash flow provided by operating activities	330,405	243,494
Cash flow from investing activities:
Pawn loans made	(1,329,288)	(893,706)
Pawn loans repaid	776,118	531,098
Recovery of pawn loan principal through sale of forfeited collateral	405,124	332,016
Investments in finance receivables	196,310	237,132
Proceeds from finance receivables	181,848	181,155
Purchases of furniture, fixtures, equipment and improvements	(37,864)	(25,866)
Purchases of store real property	(40,246)	(28,126)
Acquisitions of pawn stores, net of cash acquired	(11,525)	(33,649)
Net cash flow used in investing activities	(252,143)	(174,210)
Cash flow from financing activities:
Borrowings from credit facilities	308,697	172,000
Repayments of credit facilities	(853,148)	(218,000)
Payment for Debt Extinguishment or Debt Prepayment Cost	(4,182)	0
Repurchase/redemption of senior unsecured notes	(60,502)	0
Issuance of senior unsecured notes	750,000	0
Debt issuance costs paid	(8,843)	0
Purchases of treasury stock	(116,938)	(60,459)
Payment of withholding taxes on net share settlements of restricted stock unit awards	(11,240)	(5,764)
Dividends paid	(36,866)	(33,802)
Net cash flow used in financing activities	(33,022)	(146,025)
Effect of exchange rates on cash	1,861	3,113
Change in cash and cash equivalents	47,101	(73,628)
Cash and cash equivalents at beginning of the period	125,197	175,095
Cash and cash equivalents at end of the period	$ 172,298	$ 101,467

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY (Parenthetical) - $ / shares shares in Thousands	3 Months Ended				6 Months Ended
	Jun. 30, 2026	Mar. 31, 2026	Jun. 30, 2025	Mar. 31, 2025	Jun. 30, 2025
Statement of Stockholders' Equity [Abstract]
Shares withheld for tax withholding obligation (in shares)		67			52
Cash dividends (USD per share)	$ 0.42	$ 0.42	$ 0.38	$ 0.38

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Jun. 30, 2026	Jun. 30, 2025	Jun. 30, 2026	Jun. 30, 2025
Revenue:
Retail merchandise sales	$ 471,263	$ 385,125	$ 936,097	$ 756,181
Pawn loan fees	258,441	190,822	525,139	382,693
Leased merchandise income	115,499	139,784	245,686	296,702
Interest and fees on retail finance products	73,962	76,075	148,297	149,488
Wholesale scrap jewelry sales	152,132	38,816	264,613	81,981
Other revenue	3,391	0	6,507	0
Total revenue	1,074,688	830,622	2,126,339	1,667,045
Cost of revenue:
Cost of retail merchandise sold	285,619	230,326	563,668	454,450
Depreciation of leased merchandise	71,650	78,272	152,709	167,091
Provision for lease losses	24,439	32,543	54,183	60,105
Provision for loan losses	39,930	41,761	82,774	78,121
Cost of wholesale scrap jewelry sold	119,069	34,904	195,796	70,259
Other cost of revenue	312	0	1,158	0
Total cost of revenue	541,019	417,806	1,050,288	830,026
Net revenue	533,669	412,816	1,076,051	837,019
Expenses and other income:
Operating expenses	267,738	222,493	537,167	437,079
Administrative expenses	66,825	59,263	132,603	107,786
Depreciation and amortization	32,440	25,864	63,956	51,366
Interest expense	35,702	26,337	70,230	53,808
Interest income	(417)	(527)	(644)	(1,756)
Loss (gain) on foreign exchange	1,738	(1,271)	636	(1,285)
Merger and acquisition expenses	6,358	2,777	7,223	3,239
Other income, net	(3,717)	(3,199)	(7,250)	(5,514)
Total expenses and other income	406,667	331,737	803,921	644,723
Income (loss) before income taxes	127,002	81,079	272,130	192,296
Provision for income taxes	33,535	21,274	70,961	48,900
Net income	$ 93,467	$ 59,805	$ 201,169	$ 143,396
Earnings per share:
Basic (USD per share)	$ 2.13	$ 1.35	$ 4.58	$ 3.22
Diluted (USD per share)	$ 2.12	$ 1.34	$ 4.56	$ 3.21

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended				6 Months Ended
	Jun. 30, 2026	Mar. 31, 2026	Jun. 30, 2025	Mar. 31, 2025	Jun. 30, 2026	Jun. 30, 2025
Numerator:
Net income	$ 93,467	$ 107,702	$ 59,805	$ 83,591	$ 201,169	$ 143,396
Denominator:
Weighted-average common shares for calculating basic earnings per share (shares)	43,799		44,365		43,931	44,506
Stock options and nonvested stock awards (shares)	237		187		211	164
Weighted-average common shares for calculating diluted earnings per share (shares)	44,036		44,552		44,142	44,670
Earnings per share:
Basic (USD per share)	$ 2.13		$ 1.35		$ 4.58	$ 3.22
Diluted (USD per share)	$ 2.12		$ 1.34		$ 4.56	$ 3.21

The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.

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Reference 20: http://www.xbrl.org/2003/role/disclosureRef
-Topic 250
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Reference 21: http://www.xbrl.org/2003/role/disclosureRef
-Topic 260
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Reference 22: http://www.xbrl.org/2003/role/disclosureRef
-Topic 260
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Reference 23: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
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Reference 24: http://www.xbrl.org/2003/role/disclosureRef
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Reference 25: http://www.xbrl.org/2003/role/disclosureRef
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Reference 26: http://www.xbrl.org/2003/role/disclosureRef
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Reference 27: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
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The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.