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Operating Segment Information (Tables) | 12 Months Ended
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Sep. 30, 2011
Operating Segment Information [Abstract] |
Operating segment information |
|  | U.S. Pawn |  |  | Empeño |  |  | EZMONEY |  |  |  |  |
|  | Operations |  |  | Fácil |  |  | Operations |  |  | Consolidated |
|  | (In thousands) |
Year Ended September 30, 2011: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Revenues: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Merchandise Sales |  | $ | 256,643 |  |  | $ | 25,237 |  |  | $ | 203 |  |  | $ | 282,083 |
Jewelry Scrapping Sales |  |  | 195,276 |  |  |  | 15,997 |  |  |  | 1,206 |  |  |  | 212,479 |
Pawn service charges |  |  | 184,234 |  |  |  | 16,901 |  |  |  | — |  |  |  | 201,135 |
Signature loan fees |  |  | 2,501 |  |  |  | — |  |  |  | 147,749 |  |  |  | 150,250 |
Auto title loan fees |  |  | 1,539 |  |  |  | — |  |  |  | 20,162 |  |  |  | 21,701 |
Other |  |  | 634 |  |  |  | 122 |  |  |  | 913 |  |  |  | 1,669 |
Total revenues |  |  | 640,827 |  |  |  | 58,257 |  |  |  | 170,233 |  |  |  | 869,317 |
Merchandise cost of goods sold |  |  | 147,239 |  |  |  | 14,672 |  |  |  | 149 |  |  |  | 162,060 |
Jewelry scrapping cost of goods sold |  |  | 120,767 |  |  |  | 12,205 |  |  |  | 588 |  |  |  | 133,560 |
Signature loan bad debt |  |  | 923 |  |  |  | — |  |  |  | 35,405 |  |  |  | 36,328 |
Auto title loan bad debt |  |  | 165 |  |  |  | — |  |  |  | 2,266 |  |  |  | 2,431 |
Net revenues |  |  | 371,733 |  |  |  | 31,380 |  |  |  | 131,825 |  |  |  | 534,938 |
Operations expense |  |  | 177,191 |  |  |  | 20,636 |  |  |  | 69,225 |  |  |  | 267,052 |
Store operating income |  | $ | 194,542 |  |  | $ | 10,744 |  |  | $ | 62,600 |  |  | $ | 267,886 |
|  | U.S. Pawn |  |  | Empeño |  |  | EZMONEY |  |  |  |
|  | Operations |  |  | Fácil |  |  | Operations |  |  | Consolidated |
|  |  |  |  |  | (In thousands) |  |  |  |  |
Year Ended September 30, 2010: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Revenues: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Merchandise Sales |  | $ | 226,424 |  |  | $ | 14,030 |  |  | $ | — |  |  | $ | 240,454 |
Jewelry scrapping Sales |  |  | 163,667 |  |  |  | 7,389 |  |  |  | 355 |  |  |  | 171,411 |
Pawn service charges |  |  | 154,505 |  |  |  | 9,190 |  |  |  | — |  |  |  | 163,695 |
Signature loan fees |  |  | 1,930 |  |  |  | — |  |  |  | 137,385 |  |  |  | 139,315 |
Auto title loan fees |  |  | 1,659 |  |  |  | — |  |  |  | 16,048 |  |  |  | 17,707 |
Other |  |  | 442 |  |  |  | — |  |  |  | 21 |  |  |  | 463 |
Total revenues |  |  | 548,627 |  |  |  | 30,609 |  |  |  | 153,809 |  |  |  | 733,045 |
Merchandise cost of goods sold |  |  | 131,825 |  |  |  | 8,459 |  |  |  | — |  |  |  | 140,284 |
Jewelry scrapping cost of goods sold |  |  | 104,531 |  |  |  | 6,137 |  |  |  | 170 |  |  |  | 110,838 |
Signature loan bad debt |  |  | 641 |  |  |  | — |  |  |  | 31,068 |  |  |  | 31,709 |
Auto title loan bad debt |  |  | 236 |  |  |  | — |  |  |  | 2,499 |  |  |  | 2,735 |
Net revenues |  |  | 311,394 |  |  |  | 16,013 |  |  |  | 120,072 |  |  |  | 447,479 |
Operations expense |  |  | 161,145 |  |  |  | 11,658 |  |  |  | 63,861 |  |  |  | 236,664 |
Store operating income |  | $ | 150,249 |  |  | $ | 4,355 |  |  | $ | 56,211 |  |  | $ | 210,815 |
Year Ended September 30, 2009: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Revenues: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Merchandise Sales |  | $ | 202,250 |  |  | $ | 8,751 |  |  | $ | — |  |  | $ | 211,001 |
Jewelry scrap Sales |  |  | 117,013 |  |  |  | 1,900 |  |  |  | 9 |  |  |  | 118,922 |
Pawn service charges |  |  | 124,396 |  |  |  | 5,773 |  |  |  | — |  |  |  | 130,169 |
Signature loan fees |  |  | 2,293 |  |  |  | — |  |  |  | 131,051 |  |  |  | 133,344 |
Auto title loan fees |  |  | 1,313 |  |  |  | — |  |  |  | 2,276 |  |  |  | 3,589 |
Other |  |  | 431 |  |  |  | — |  |  |  | — |  |  |  | 431 |
Total revenues |  |  | 447,696 |  |  |  | 16,424 |  |  |  | 133,336 |  |  |  | 597,456 |
Merchandise cost of goods sold |  |  | 121,170 |  |  |  | 5,392 |  |  |  | — |  |  |  | 126,562 |
Jewelry scraping cost of goods sold |  |  | 75,744 |  |  |  | 1,277 |  |  |  | 6 |  |  |  | 77,027 |
Signature loan bad debt |  |  | 828 |  |  |  | — |  |  |  | 32,725 |  |  |  | 33,553 |
Auto title loan bad debt |  |  | 124 |  |  |  | — |  |  |  | 256 |  |  |  | 380 |
Net revenues |  |  | 249,830 |  |  |  | 9,755 |  |  |  | 100,349 |  |  |  | 359,934 |
Operations expense |  |  | 140,525 |  |  |  | 5,833 |  |  |  | 59,879 |  |  |  | 206,237 |
Store operating income |  | $ | 109,305 |  |  | $ | 3,922 |  |  | $ | 40,470 |  |  | $ | 153,697 |
Reconciliation of store operating income with consolidated income before income taxes |
|  | Years Ended September 30, |
|  | 2011 |  |  | 2010 |  |  | 2009 |
|  |  |  |  |  | (In thousands) |  |  |  |  |
Consolidated store operating income |  | $ | 267,886 |  |  | $ | 210,815 |  |  | $ | 153,697 |
Administrative expenses |  |  | 75,270 |  |  |  | 52,740 |  |  |  | 40,497 |
Depreciation and amortization |  |  | 18,344 |  |  |  | 14,661 |  |  |  | 12,746 |
(Gain) / loss on sale or disposal of assets |  |  | 309 |  |  |  | 1,528 |  |  |  | (1,024 | )
Interest income |  |  | (37 | ) |  |  | (186 | ) |  |  | (281 | )
Interest expense |  |  | 1,690 |  |  |  | 1,385 |  |  |  | 1,425 |
Equity in net income of unconsolidated affiliates |  |  | (16,237 | ) |  |  | (10,750 | ) |  |  | (5,016 | )
Other |  |  | (164 | ) |  |  | (93 | ) |  |  | 38 |
Consolidated income before income taxes |  | $ | 188,711 |  |  | $ | 151,530 |  |  | $ | 105,312 |
Separately identified segment assets |
|  | U.S. Pawn |  |  | Empeño |  |  | EZMONEY |  |  |  |
|  | Operations |  |  | Fácil |  |  | Operations |  |  | Consolidated |
|  |  |  |  |  | (In thousands) |  |  |  |  |
Assets at September 30, 2011: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pawn loans |  | $ | 134,457 |  |  | $ | 10,861 |  |  | $ | — |  |  | $ | 145,318 |
Signature loans, net |  |  | 990 |  |  |  | — |  |  |  | 10,399 |  |  |  | 11,389 |
Auto title loans, net |  |  | 930 |  |  |  | — |  |  |  | 2,292 |  |  |  | 3,222 |
Service charges and fees receivable, net |  |  | 25,148 |  |  |  | 1,663 |  |  |  | 6,419 |  |  |  | 33,230 |
Inventory, net |  |  | 81,257 |  |  |  | 8,514 |  |  |  | 602 |  |  |  | 90,373 |
Goodwill |  |  | 163,897 |  |  |  | 9,309 |  |  |  | — |  |  |  | 173,206 |
Total separately identified recorded segment assets |  | $ | 406,679 |  |  | $ | 30,347 |  |  | $ | 19,712 |  |  | $ | 456,738 |
Brokered signature loans outstanding from unaffiliated lenders |  | $ | 206 |  |  | $ | — |  |  | $ | 20,767 |  |  | $ | 20,973 |
Brokered auto title loans outstanding from unaffiliated lenders |  | $ | 175 |  |  | $ | — |  |  | $ | 5,892 |  |  | $ | 6,067 |
Assets at September 30, 2010: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pawn loans |  | $ | 113,944 |  |  | $ | 7,257 |  |  | $ | — |  |  | $ | 121,201 |
Signature loans, net |  |  | 456 |  |  |  | — |  |  |  | 10,319 |  |  |  | 10,775 |
Auto title loans, net |  |  | 651 |  |  |  | — |  |  |  | 2,494 |  |  |  | 3,145 |
Service charges and fees receivable, net |  |  | 20,830 |  |  |  | 1,053 |  |  |  | 7,177 |  |  |  | 29,060 |
Inventory, net |  |  | 66,542 |  |  |  | 4,935 |  |  |  | 25 |  |  |  | 71,502 |
Goodwill |  |  | 110,255 |  |  |  | 7,050 |  |  |  | — |  |  |  | 117,305 |
Total separately identified recorded segment assets |  | $ | 312,678 |  |  | $ | 20,295 |  |  | $ | 20,015 |  |  | $ | 352,988 |
Brokered signature loans outstanding from unaffiliated lenders |  | $ | 231 |  |  | $ | — |  |  | $ | 22,709 |  |  | $ | 22,940 |
Brokered auto title loans outstanding from unaffiliated lenders |  | $ | 236 |  |  | $ | — |  |  | $ | 6,589 |  |  | $ | 6,825 |
Assets at September 30, 2009: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pawn loans |  | $ | 98,099 |  |  | $ | 3,585 |  |  | $ | — |  |  | $ | 101,684 |
Signature loans, net |  |  | 453 |  |  |  | — |  |  |  | 7,904 |  |  |  | 8,357 |
Auto title loans, net |  |  | 685 |  |  |  | — |  |  |  | 978 |  |  |  | 1,663 |
Service charges and fees receivable, net |  |  | 17,910 |  |  |  | 513 |  |  |  | 5,892 |  |  |  | 24,315 |
Inventory, net |  |  | 61,196 |  |  |  | 2,804 |  |  |  | 1 |  |  |  | 64,001 |
Goodwill |  |  | 94,192 |  |  |  | 6,527 |  |  |  | — |  |  |  | 100,719 |
Total separately identified recorded segment assets |  | $ | 272,535 |  |  | $ | 13,429 |  |  | $ | 14,775 |  |  | $ | 300,739 |
Brokered signature loans outstanding from unaffiliated lenders |  | $ | 278 |  |  | $ | — |  |  | $ | 22,706 |  |  | $ | 22,984 |
Brokered auto title loans outstanding from unaffiliated lenders |  | $ | 276 |  |  | $ | — |  |  | $ | 1,910 |  |  | $ | 2,186 |
Reconciliation of separately identified recorded segment assets to consolidated total assets: |
|  | September 30, |
|  | 2011 |  |  | 2010 |  |  | 2009 |
|  | (In thousands) |
Total separately identified recorded segment assets |  | $ | 456,738 |  |  | $ | 352,988 |  |  | $ | 300,739 |
Corporate assets |  |  | 299,712 |  |  |  | 253,424 |  |  |  | 191,778 |
Total assets |  | $ | 756,450 |  |  | $ | 606,412 |  |  | $ | 492,517 |

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