We encourage you to read this Management's Discussion and Analysis of Financial Condition and Results of Operations in conjunction with the accompanying Condensed Consolidated Financial Statements and related notes. Our fiscal year ends on January 31. References to a fiscal year refer to the calendar year in which the fiscal year ends. Table of Contents How We Evaluate Our Operations The broad appeal of our value proposition to our geographically diverse core demographic and the unit economics of our busine ...

Got it. Thanks. And then obviously, it sounds like you have some moving parts in terms of demand by channel. Obviously, it sounds like you are seeing some improvements in your core customer and LTO. The cash customer seems like it's definitely under pressure. But just – and obviously, there was a pull forward into '20 and '21, but do you have any sense for how far away we need to get from those years for demand to recover or what the product cycle is on average for your consumer and your product kind of sel ...

As of April 30, 2023 and January 31, 2023, the balance of allowance for doubtful accounts and uncollectible interest for nonrestructured customer receivables was $138.3 million and $150.6 million, respectively. As of April 30, 2023 and January 31, 2023, the amount included in the allowance for doubtful accounts associated with principal and interest on restructured accounts was $32.6 million and $33.6 million, respectively. Debt Issuance Costs. Costs that are direct and incremental to debt issuance are defe ...

Company Participants George Bchara - CFO Kyle Joseph - Jefferies Operator During today's call, management will discuss, among other financial performance measures, adjusted retail segment operating income, adjusted retail segment operating loss, adjusted net loss per share and net debt. Please refer to the company's earnings release that was issued today for the reconciliation of these non-GAAP measures to their most comparable GAAP measures. I would now like to turn the conference over to Mr. Miller. Pleas ...

NASDAQ: CONN HomePlus FORWARD LOOKING STATEMENTS & OTHER DISCLOSURE MATTERS Non-GAAP Measures - To supplement the consolidated financial statements, which are prepared and presented in accordance with accounting principles generally accepted in the United States of America ("GAAP"), the Company also provides the following non-GAAP financial measures from time to time: retail segment adjusted operating income, retail segment adjusted operating margin, credit segment adjusted operating income (loss), credit s ...

☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended January 31, 2023 or 2445 Technology Forest Blvd., Suite 800, The Woodlands, TX 77381 (Address of principal executive offices) (Zip Code) Securities registered pursuant to Section 12(g) of the Act: None Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes o No ý Indicate by check mark if the registrant is not required to file r ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended October 31, 2022 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number 001-34956 CONN'S, INC. (Exact name of registrant as specified in its charter) Delaware 06-1672840 (State or other jurisdiction o ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended July 31, 2022 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number 001-34956 CONN'S, INC. (Exact name of registrant as specified in its charter) Delaware 06-1672840 (State or other jurisdiction of i ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended April 30, 2022 or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number 001-34956 CONN'S, INC. (Exact name of registrant as specified in its charter) Delaware 06-1672840 (State or other jurisdiction of ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended January 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to . Commission File Number 001-34956 CONN'S, INC. (Exact name of registrant as specified in its charter) Delaware 06-1672840 (State or other juri ...