Financial Performance - Total revenue reached $319.9 million, a 14% increase, driven by growth in Pawn Service Charges (PSC), merchandise sales, and scrap revenue[23] - EBITDA increased by 42% to $45.2 million, with an EBITDA margin of 141%, up 280 bps[28] - Diluted EPS increased by 38% to $033[27] - Pawn Loans Outstanding (PLO) reached a record $2932 million, up 12%[29] Segment Performance - U S Pawn segment revenue increased by 11% to $2200 million, with earning assets up 21%[64, 66] - Latin America Pawn segment revenue increased by 21% to $999 million, with earning assets up 18%[87, 90] Store Growth and Acquisitions - The company acquired 40 stores in Mexico under the Monte Providencia and Tu Empeño Efectivo brands[20] - Ten de novo stores were opened in Latin America, including 6 in Mexico, 3 in Guatemala, and 1 in El Salvador[20] - Three stores were acquired in the U S, including one luxury store in Miami Beach[20] Balance Sheet and Capital Allocation - The company's cash balance was $4721 million[18] - Approximately $20 million of shares were repurchased in Q3, with an additional $10 million repurchased in July[20]

Financial Performance Highlights - Total revenues reached $318.9 million, a 12% increase, driven by higher PSC and sales[21] - Merchandise sales totaled $177.4 million, up 8%, with same-store sales increasing by 6%[21] - Gross profit amounted to $185.0 million, a 10% increase, primarily driven by PSC[21] - Diluted EPS stood at $0.34, a 21% increase[25] - EBITDA reached $45.1 million, a 23% increase[25] - The EBITDA margin was 14.1%, up 130 bps[25] Pawn Loan Portfolio - Record-setting Q2 PLO balance of $271.8 million, up 15%, leading to a 12% increase in PSC[16,26] - Strong consumer demand, increase in average loan size and improved customer service continue to propel PLO[26] Store Growth and Expansion - Opened 9 de novo stores in LatAm, comprised of 4 stores in Guatemala, 2 stores in Mexico, 2 in Honduras and 1 in El Salvador[17] - Acquired one store in Guatemala[17] - Consolidated 9 stores in Mexico[17] Balance Sheet - Cash balance of $505.2 million, up from $174.5 million in Q1 FY25, primarily due to the $300 million debt financing (less issuance costs) and cash from operating activities[17]