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Operating Segment Information (Tables) | 9 Months Ended
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Jun. 30, 2011
Operating Segment Information [Abstract] |
Operating segment information |
|  | Three Months Ended June 30, |
|  | US Pawn Operations |  |  | Empeño Fácil |  |  | EZMONEY Operations |
|  | 2011 |  |  | 2010 |  |  | 2011 |  |  | 2010 |  |  | 2011 |  |  | 2010 |
Revenues: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Merchandise sales |  | $ | 58,168 |  |  | $ | 49,749 |  |  | $ | 6,401 |  |  | $ | 3,529 |  |  | $ | 5 |  |  | $ | — |
Jewelry scrapping sales |  |  | 46,157 |  |  |  | 41,423 |  |  |  | 4,257 |  |  |  | 2,181 |  |  |  | 357 |  |  |  | 169 |
Pawn service charges |  |  | 43,846 |  |  |  | 37,014 |  |  |  | 4,519 |  |  |  | 2,410 |  |  |  | — |  |  |  | — |
Signature loan fees |  |  | 691 |  |  |  | 455 |  |  |  | — |  |  |  | — |  |  |  | 33,504 |  |  |  | 31,841 |
Auto title loan fees |  |  | 352 |  |  |  | 359 |  |  |  | — |  |  |  | — |  |  |  | 4,323 |  |  |  | 4,299 |
Other |  |  | 161 |  |  |  | 105 |  |  |  | 6 |  |  |  | — |  |  |  | 405 |  |  |  | 8 |
Total revenues |  |  | 149,375 |  |  |  | 129,105 |  |  |  | 15,183 |  |  |  | 8,120 |  |  |  | 38,594 |  |  |  | 36,317 |
Merchandise cost of goods sold |  |  | 32,911 |  |  |  | 27,749 |  |  |  | 3,767 |  |  |  | 1,961 |  |  |  | 13 |  |  |  | — |
Jewelry scrapping cost of goods sold |  |  | 28,754 |  |  |  | 27,328 |  |  |  | 3,486 |  |  |  | 1,862 |  |  |  | 197 |  |  |  | 85 |
Signature loan bad debt |  |  | 325 |  |  |  | 159 |  |  |  | — |  |  |  | — |  |  |  | 10,166 |  |  |  | 8,758 |
Auto title loan bad debt |  |  | 69 |  |  |  | 44 |  |  |  | — |  |  |  | — |  |  |  | 467 |  |  |  | 792 |
Net revenues |  |  | 87,316 |  |  |  | 73,825 |  |  |  | 7,930 |  |  |  | 4,297 |  |  |  | 27,751 |  |  |  | 26,682 |
Operations expense |  |  | 44,280 |  |  |  | 39,148 |  |  |  | 5,406 |  |  |  | 2,999 |  |  |  | 17,067 |  |  |  | 15,805 |
Store operating income |  | $ | 43,036 |  |  | $ | 34,677 |  |  | $ | 2,524 |  |  | $ | 1,298 |  |  | $ | 10,684 |  |  | $ | 10,877 |
|  | Nine Months Ended June 30, |
|  | US Pawn Operations |  |  | Empeño Fácil |  |  | EZMONEY Operations |
|  | 2011 |  |  | 2010 |  |  | 2011 |  |  | 2010 |  |  | 2011 |  |  | 2010 |
Revenues: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Merchandise sales |  | $ | 196,893 |  |  | $ | 174,060 |  |  | $ | 17,329 |  |  | $ | 10,142 |  |  | $ | 5 |  |  | $ | — |
Jewelry scrapping sales |  |  | 137,221 |  |  |  | 112,660 |  |  |  | 11,363 |  |  |  | 4,550 |  |  |  | 847 |  |  |  | 233 |
Pawn service charges |  |  | 133,355 |  |  |  | 112,211 |  |  |  | 11,589 |  |  |  | 6,316 |  |  |  | — |  |  |  | — |
Signature loan fees |  |  | 1,607 |  |  |  | 1,442 |  |  |  | — |  |  |  | — |  |  |  | 107,757 |  |  |  | 101,174 |
Auto title loan fees |  |  | 1,092 |  |  |  | 1,261 |  |  |  | — |  |  |  | — |  |  |  | 15,196 |  |  |  | 10,455 |
Other |  |  | 420 |  |  |  | 365 |  |  |  | 34 |  |  |  | — |  |  |  | 524 |  |  |  | 8 |
Total revenues |  |  | 470,588 |  |  |  | 401,999 |  |  |  | 40,315 |  |  |  | 21,008 |  |  |  | 124,329 |  |  |  | 111,870 |
Merchandise cost of goods sold |  |  | 112,592 |  |  |  | 101,713 |  |  |  | 10,036 |  |  |  | 6,342 |  |  |  | 13 |  |  |  | — |
Jewelry scrapping cost of goods sold |  |  | 86,979 |  |  |  | 71,635 |  |  |  | 9,201 |  |  |  | 3,911 |  |  |  | 437 |  |  |  | 116 |
Signature loan bad debt |  |  | 583 |  |  |  | 446 |  |  |  | — |  |  |  | — |  |  |  | 25,392 |  |  |  | 21,658 |
Auto title loan bad debt |  |  | 110 |  |  |  | 166 |  |  |  | — |  |  |  | — |  |  |  | 1,710 |  |  |  | 1,450 |
Net revenues |  |  | 270,324 |  |  |  | 228,039 |  |  |  | 21,078 |  |  |  | 10,755 |  |  |  | 96,777 |  |  |  | 88,646 |
Operations expense |  |  | 131,293 |  |  |  | 119,259 |  |  |  | 14,533 |  |  |  | 7,736 |  |  |  | 51,476 |  |  |  | 47,343 |
Store operating income |  | $ | 139,031 |  |  | $ | 108,780 |  |  | $ | 6,545 |  |  | $ | 3,019 |  |  | $ | 45,301 |  |  | $ | 41,303 |
Reconciliation of store operating income with consolidated income before income taxes |
|  | Three Months Ended June 30, |  |  | Nine Months Ended June 30, |
|  | 2011 |  |  | 2010 |  |  | 2011 |  |  | 2010 |
U.S. Pawn Operations store operating income |  | $ | 43,036 |  |  | $ | 34,677 |  |  | $ | 139,031 |  |  | $ | 108,780 |
Empeño Fácil store operating income |  |  | 2,524 |  |  |  | 1,298 |  |  |  | 6,545 |  |  |  | 3,019 |
EZMONEY Operations store operating income |  |  | 10,684 |  |  |  | 10,877 |  |  |  | 45,301 |  |  |  | 41,303 |
Consolidated store operating income |  |  | 56,244 |  |  |  | 46,852 |  |  |  | 190,877 |  |  |  | 153,102 |
Administrative expenses |  |  | 14,379 |  |  |  | 13,576 |  |  |  | 56,250 |  |  |  | 39,356 |
Depreciation and amortization |  |  | 4,679 |  |  |  | 3,759 |  |  |  | 13,324 |  |  |  | 10,688 |
(Gain) / loss on sale or disposal of assets |  |  | 169 |  |  |  | 734 |  |  |  | (2 | ) |  |  | 1,301 |
Interest income |  |  | (21 | ) |  |  | (135 | ) |  |  | (35 | ) |  |  | (151 | )
Interest expense |  |  | 586 |  |  |  | 311 |  |  |  | 1,186 |  |  |  | 1,071 |
Equity in net income of unconsolidated affiliates |  |  | (4,099 | ) |  |  | (2,930 | ) |  |  | (12,157 | ) |  |  | (7,519 | )
Other |  |  | (103 | ) |  |  | (100 | ) |  |  | (160 | ) |  |  | (103 | )
Consolidated income before income taxes |  | $ | 40,654 |  |  | $ | 31,637 |  |  | $ | 132,471 |  |  | $ | 108,459 |
Separately identified segment assets |
|  | U.S Pawn |  |  | Empeño |  |  | EZMONEY |  |  |  |
|  | Operations |  |  | Fácil |  |  | Operations |  |  | Consolidated |
Assets at June 30, 2011: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pawn loans |  | $ | 124,810 |  |  | $ | 9,823 |  |  | $ | — |  |  | $ | 134,633 |
Signature loans, net |  |  | 1,174 |  |  |  | — |  |  |  | 10,915 |  |  |  | 12,089 |
Auto title loans, net |  |  | 757 |  |  |  | — |  |  |  | 1,591 |  |  |  | 2,348 |
Service charges and fees receivable, net |  |  | 23,169 |  |  |  | 1,524 |  |  |  | 6,563 |  |  |  | 31,256 |
Inventory, net |  |  | 70,320 |  |  |  | 8,400 |  |  |  | 311 |  |  |  | 79,031 |
Goodwill |  |  | 159,572 |  |  |  | 7,445 |  |  |  | — |  |  |  | 167,017 |
Total separately identified recorded segment assets |  | $ | 379,802 |  |  | $ | 27,192 |  |  | $ | 19,380 |  |  | $ | 426,374 |
Brokered signature loans outstanding from unaffiliated lenders |  | $ | 168 |  |  | $ | — |  |  | $ | 20,571 |  |  | $ | 20,739 |
Brokered auto title loans outstanding from unaffiliated lenders |  | $ | 152 |  |  | $ | — |  |  | $ | 5,408 |  |  | $ | 5,560 |
Assets at June 30, 2010: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pawn loans |  | $ | 107,419 |  |  | $ | 5,388 |  |  | $ | — |  |  | $ | 112,807 |
Signature loans, net |  |  | 425 |  |  |  | — |  |  |  | 8,490 |  |  |  | 8,915 |
Auto title loans, net |  |  | 638 |  |  |  | — |  |  |  | 2,164 |  |  |  | 2,802 |
Service charges and fees receivable, net |  |  | 19,322 |  |  |  | 813 |  |  |  | 6,571 |  |  |  | 26,706 |
Inventory, net |  |  | 57,176 |  |  |  | 3,819 |  |  |  | 32 |  |  |  | 61,027 |
Goodwill |  |  | 108,606 |  |  |  | 6,964 |  |  |  | — |  |  |  | 115,570 |
Total separately identified recorded segment assets |  | $ | 293,586 |  |  | $ | 16,984 |  |  | $ | 17,257 |  |  | $ | 327,827 |
Brokered signature loans outstanding from unaffiliated lenders |  | $ | 228 |  |  | $ | — |  |  | $ | 21,442 |  |  | $ | 21,670 |
Brokered auto title loans outstanding from unaffiliated lenders |  | $ | 210 |  |  | $ | — |  |  | $ | 5,557 |  |  | $ | 5,767 |
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 |

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