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Condensed Consolidating Financial Information | 12 Months Ended
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Sep. 30, 2012
Condensed Consolidating Financial Information [Abstract] |
Condensed Consolidating Financial Information | CONDENSED CONSOLIDATING FINANCIAL INFORMATION On February 3, 2012, we filed with the United States Securities and Exchange Commission a “shelf” registration statement on Form S-3 registering the offer and sale of an indeterminate amount of a variety of securities, including debt securities. Unless otherwise indicated in connection with a particular offering of debt securities, each of our domestic subsidiaries will fully and unconditionally guarantee on a joint and several basis our payment obligations under such debt securities. In accordance with Rule 3-10(d) of Regulation S-X, the following presents condensed consolidating financial information as of September 30, 2012, 2011 and 2010 for EZCORP, Inc. (the “Parent”), each of the Parent's domestic subsidiaries (the “Subsidiary Guarantors”) on a combined basis and each of the Parent's other subsidiaries (the “Other Subsidiaries”) on a combined basis. Eliminating entries presented are necessary to combine the groups of entities. Condensed Consolidating Balance Sheets
| September 30, 2012
| (Unaudited)
| Parent |  | Subsidiary Guarantors |  | Other Subsidiaries |  | Eliminations |  | Consolidated
| (in thousands)
Assets: |  |  |  |  |  |  |  |  |
Current assets: |  |  |  |  |  |  |  |  |
Cash and cash equivalents | $ | 703 |  |  | $ | 27,686 |  |  | $ | 20,088 |  |  | $ | — |  |  | $ | 48,477 |
Restricted cash | — |  |  | — |  |  | 1,145 |  |  | — |  |  | 1,145 |
Pawn loans, net | — |  |  | 140,885 |  |  | 16,763 |  |  | — |  |  | 157,648 |
Consumer loans, net | — |  |  | 16,562 |  |  | 17,590 |  |  | — |  |  | 34,152 |
Pawn service charges receivable, net | — |  |  | 26,663 |  |  | 2,738 |  |  | — |  |  | 29,401 |
Consumer loan fees receivable, net | — |  |  | 6,899 |  |  | 23,517 |  |  | — |  |  | 30,416 |
Inventory, net | — |  |  | 93,165 |  |  | 16,049 |  |  | — |  |  | 109,214 |
Deferred tax asset | 9,484 |  |  | 5,500 |  |  | — |  |  | — |  |  | 14,984 |
Receivable from affiliates | 188,186 |  |  | 94,063 |  |  | — |  |  | (282,249 | ) |  | — |
Federal income tax receivable | 10,209 |  |  | — |  |  | 302 |  |  | — |  |  | 10,511 |
Prepaid expenses and other assets | 2,243 |  |  | 38,629 |  |  | 4,579 |  |  | — |  |  | 45,451 |
Total current assets | 210,825 |  |  | 450,052 |  |  | 102,771 |  |  | (282,249 | ) |  | 481,399 |
Investments in unconsolidated affiliates | 74,255 |  |  | 51,811 |  |  | — |  |  | — |  |  | 126,066 |
Investments in subsidiaries | 112,415 |  |  | 95,943 |  |  | — |  |  | (208,358 | ) |  | — |
Property and equipment, net | — |  |  | 74,837 |  |  | 33,294 |  |  | — |  |  | 108,131 |
Restricted cash non-current | — |  |  | — |  |  | 4,337 |  |  | — |  |  | 4,337 |
Deferred tax asset, non-current | (90 | ) |  | 90 |  |  | — |  |  | — |  |  | — |
Goodwill | — |  |  | 224,275 |  |  | 150,388 |  |  | — |  |  | 374,663 |
Intangible assets, net | 1,548 |  |  | 17,228 |  |  | 26,409 |  |  | — |  |  | 45,185 |
Non-current consumer loans, net | — |  |  | — |  |  | 61,997 |  |  | — |  |  | 61,997 |
Other assets, net | — |  |  | 8,585 |  |  | 7,644 |  |  | — |  |  | 16,229 |
Total assets | $ | 398,953 |  |  | $ | 922,821 |  |  | $ | 386,840 |  |  | $ | (490,607 | ) |  | $ | 1,218,007 |
Liabilities and stockholders’ equity: |  |  |  |  |  |  |  |  |
Current liabilities: |  |  |  |  |  |  |  |  |
Current maturities of long-term debt | $ | — |  |  | $ | — |  |  | $ | 21,085 |  |  | $ | — |  |  | $ | 21,085 |
Current capital lease obligations | — |  |  | 594 |  |  | — |  |  | — |  |  | 594 |
Accounts payable and other accrued expenses | 128 |  |  | 56,094 |  |  | 22,703 |  |  | — |  |  | 78,925 |
Customer layaway deposits | — |  |  | 6,251 |  |  | 987 |  |  | — |  |  | 7,238 |
Intercompany payables | (170,393 | ) |  | 353,223 |  |  | 99,418 |  |  | (282,248 | ) |  | — |
Federal income taxes payable | (4,816 | ) |  | (44 | ) |  | 4,860 |  |  | — |  |  | — |
Total current liabilities | (175,081 | ) |  | 416,118 |  |  | 149,053 |  |  | (282,248 | ) |  | 107,842 |
Long-term debt, less current maturities | 130,000 |  |  | — |  |  | 68,836 |  |  | — |  |  | 198,836 |
Long-term capital lease obligations | — |  |  | 995 |  |  | — |  |  | — |  |  | 995 |
Deferred tax liability | 6,834 |  |  | 1,327 |  |  | (239 | ) |  | — |  |  | 7,922 |
Deferred gains and other long-term liabilities | — |  |  | 1,898 |  |  | 12,005 |  |  | — |  |  | 13,903 |
Total liabilities | (38,247 | ) |  | 420,338 |  |  | 229,655 |  |  | (282,248 | ) |  | 329,498 |
Commitments and contingencies |  |  |  |  |  |  |  |  |
Temporary equity: |  |  |  |  |  |  |  |  |
Redeemable noncontrolling interest | — |  |  | — |  |  | 53,681 |  |  | — |  |  | 53,681 |
Stockholders’ equity: |  |  |  |  |  |  |  |  |
Class A Non-voting Common Stock, par value $.01 per share; | 470 |  |  | 12 |  |  | — |  |  | — |  |  | 482 |
Class B Voting Common Stock, convertible, par value $.01 per share; | 30 |  |  | 1 |  |  | — |  |  | (1 | ) |  | 30 |
Additional paid-in capital | 294,586 |  |  | 80,210 |  |  | 102,188 |  |  | (208,358 | ) |  | 268,626 |
Retained earnings | 138,406 |  |  | 423,569 |  |  | 3,828 |  |  | — |  |  | 565,803 |
Accumulated other comprehensive income (loss) | 3,708 |  |  | (1,309 | ) |  | (2,512 | ) |  | — |  |  | (113 | )
EZCORP, Inc. stockholders’ equity | 437,200 |  |  | 502,483 |  |  | 103,504 |  |  | (208,359 | ) |  | 834,828 |
Total liabilities and stockholders’ equity | $ | 398,953 |  |  | $ | 922,821 |  |  | $ | 386,840 |  |  | $ | (490,607 | ) |  | $ | 1,218,007 |
| September 30, 2011
| (Unaudited)
| Parent |  | Subsidiary Guarantors |  | Other Subsidiaries |  | Eliminations |  | Consolidated
| (in thousands)
Assets: |  |  |  |  |  |  |  |  |
Current assets: |  |  |  |  |  |  |  |  |
Cash and cash equivalents | $ | — |  |  | $ | 20,860 |  |  | $ | 3,109 |  |  | $ | — |  |  | $ | 23,969 |
Pawn loans, net | — |  |  | 134,457 |  |  | 10,861 |  |  | — |  |  | 145,318 |
Consumer loans, net | — |  |  | 12,526 |  |  | 2,085 |  |  | — |  |  | 14,611 |
Pawn service charges receivable, net | — |  |  | 24,792 |  |  | 1,663 |  |  | — |  |  | 26,455 |
Consumer loan fees receivable, net | — |  |  | 6,642 |  |  | 133 |  |  | — |  |  | 6,775 |
Inventory, net | — |  |  | 81,277 |  |  | 9,096 |  |  | — |  |  | 90,373 |
Deferred tax asset | 12,728 |  |  | 5,397 |  |  | — |  |  | — |  |  | 18,125 |
Receivable from affiliates | 66,450 |  |  | (66,450 | ) |  | — |  |  | — |  |  | — |
Prepaid expenses and other assets | 29 |  |  | 25,976 |  |  | 4,606 |  |  | — |  |  | 30,611 |
Total current assets | 79,207 |  |  | 245,477 |  |  | 31,553 |  |  | — |  |  | 356,237 |
Investments in unconsolidated affiliates | 71,958 |  |  | 48,361 |  |  | — |  |  | — |  |  | 120,319 |
Investments in subsidiaries | 84,303 |  |  | 44,323 |  |  | — |  |  | (128,626 | ) |  | — |
Property and equipment, net | — |  |  | 59,434 |  |  | 19,064 |  |  | — |  |  | 78,498 |
Goodwill | — |  |  | 163,897 |  |  | 9,309 |  |  | — |  |  | 173,206 |
Intangible assets, net | 2,147 |  |  | 15,183 |  |  | 2,460 |  |  | — |  |  | 19,790 |
Other assets, net | — |  |  | 7,036 |  |  | 1,362 |  |  | 2 |  |  | 8,400 |
Total assets | $ | 237,615 |  |  | $ | 583,711 |  |  | $ | 63,748 |  |  | $ | (128,624 | ) |  | $ | 756,450 |
Liabilities and stockholders’ equity: |  |  |  |  |  |  |  |  |
Current liabilities: |  |  |  |  |  |  |  |  |
Accounts payable and other accrued expenses | 13 |  |  | 50,871 |  |  | 6,516 |  |  | — |  |  | 57,400 |
Customer layaway deposits | — |  |  | 5,711 |  |  | 465 |  |  | — |  |  | 6,176 |
Intercompany payables | (199,190 | ) |  | 178,375 |  |  | 20,761 |  |  | 54 |  |  | — |
Income taxes payable | 9,552 |  |  | (5,150 | ) |  | (3,709 | ) |  | — |  |  | 693 |
Total current liabilities | (189,625 | ) |  | 229,807 |  |  | 24,033 |  |  | 54 |  |  | 64,269 |
Long-term debt, less current maturities | 17,500 |  |  | — |  |  | — |  |  | — |  |  | 17,500 |
Deferred tax liability | 5,940 |  |  | 1,563 |  |  | 828 |  |  | — |  |  | 8,331 |
Deferred gains and other long-term liabilities | — |  |  | 2,102 |  |  | — |  |  | — |  |  | 2,102 |
Total liabilities | (166,185 | ) |  | 233,472 |  |  | 24,861 |  |  | 54 |  |  | 92,202 |
Commitments and contingencies |  |  |  |  |  |  |  |  |
Temporary equity: |  |  |  |  |  |  |  |  |
Redeemable noncontrolling interest | — |  |  | — |  |  | — |  |  | — |  |  | — |
Stockholders’ equity: |  |  |  |  |  |  |  |  |
Class A Non-voting Common Stock, par value $.01 per share; | 461 |  |  | 12 |  |  | — |  |  | (2 | ) |  | 471 |
Class B Voting Common Stock, convertible, par value $.01 per share; | 30 |  |  | (1 | ) |  | 1 |  |  | — |  |  | 30 |
Additional paid-in capital | 221,526 |  |  | 98,980 |  |  | 50,568 |  |  | (128,676 | ) |  | 242,398 |
Retained earnings | 174,860 |  |  | 251,418 |  |  | (4,183 | ) |  | — |  |  | 422,095 |
Accumulated other comprehensive income (loss) | 6,923 |  |  | (170 | ) |  | (7,499 | ) |  | — |  |  | (746 | )
EZCORP, Inc. stockholders’ equity | 403,800 |  |  | 350,239 |  |  | 38,887 |  |  | (128,678 | ) |  | 664,248 |
Total liabilities and stockholders’ equity | $ | 237,615 |  |  | $ | 583,711 |  |  | $ | 63,748 |  |  | $ | (128,624 | ) |  | $ | 756,450 |
Condensed Consolidating Statements of Operations
| Fiscal Year Ended September 30, 2012
| (Unaudited)
| Parent |  | Subsidiary Guarantors |  | Other Subsidiaries |  | Eliminations |  | Consolidated
| (in thousands)
Revenues: |  |  |  |  |  |  |  |  |
Merchandise sales | $ | — |  |  | $ | 290,169 |  |  | $ | 45,241 |  |  | $ | — |  |  | $ | 335,410 |
Jewelry scrapping sales | — |  |  | 191,152 |  |  | 17,167 |  |  | — |  |  | 208,319 |
Pawn service charges | — |  |  | 210,645 |  |  | 24,997 |  |  | — |  |  | 235,642 |
Consumer loan fees | — |  |  | 159,762 |  |  | 47,909 |  |  | — |  |  | 207,671 |
Other revenues | 20,139 |  |  | 6,054 |  |  | 2,380 |  |  | (23,148 | ) |  | 5,425 |
Total revenues | 20,139 |  |  | 857,782 |  |  | 137,694 |  |  | (23,148 | ) |  | 992,467 |
Merchandise cost of goods sold | — |  |  | 167,345 |  |  | 24,669 |  |  | — |  |  | 192,014 |
Jewelry scrapping cost of goods sold | — |  |  | 122,197 |  |  | 12,651 |  |  | — |  |  | 134,848 |
Consumer loan bad debt | — |  |  | 34,729 |  |  | 6,648 |  |  | — |  |  | 41,377 |
Net revenues | 20,139 |  |  | 533,511 |  |  | 93,726 |  |  | (23,148 | ) |  | 624,228 |
Operating expenses: |  |  |  |  |  |  |  |  |
Operations | — |  |  | 258,499 |  |  | 44,987 |  |  | — |  |  | 303,486 |
Administrative | — |  |  | 74,148 |  |  | 22,896 |  |  | (3,009 | ) |  | 94,035 |
Depreciation | — |  |  | 17,859 |  |  | 5,430 |  |  | — |  |  | 23,289 |
Amortization | — |  |  | 453 |  |  | 1,526 |  |  | — |  |  | 1,979 |
(Gain) / loss on sale or disposal of assets | — |  |  | (282 | ) |  | 281 |  |  | — |  |  | (1 | )
Total operating expenses | — |  |  | 350,677 |  |  | 75,120 |  |  | (3,009 | ) |  | 422,788 |
Operating income | 20,139 |  |  | 182,834 |  |  | 18,606 |  |  | (20,139 | ) |  | 201,440 |
Interest, net | 3,194 |  |  | (1,176 | ) |  | (3,568 | ) |  | — |  |  | (1,550 | )
Equity in net income of unconsolidated affiliates | (9,949 | ) |  | (7,451 | ) |  | — |  |  | — |  |  | (17,400 | )
Other income | — |  |  | (829 | ) |  | (381 | ) |  | — |  |  | (1,210 | )
Income before income taxes | 26,894 |  |  | 192,290 |  |  | 22,555 |  |  | (20,139 | ) |  | 221,600 |
Income tax expense | 63,348 |  |  | 20,139 |  |  | 7,675 |  |  | (20,139 | ) |  | 71,023 |
Net income | (36,454 | ) |  | 172,151 |  |  | 14,880 |  |  | — |  |  | 150,577 |
Net income attributable to redeemable noncontrolling interest | — |  |  | — |  |  | 6,869 |  |  | — |  |  | 6,869 |
Net income attributable to EZCORP, Inc. | $ | (36,454 | ) |  | $ | 172,151 |  |  | $ | 8,011 |  |  | $ | — |  |  | $ | 143,708 |
| Fiscal Year Ended September 30, 2011
| (Unaudited)
| Parent |  | Subsidiary Guarantors |  | Other Subsidiaries |  | Eliminations |  | Consolidated
| (in thousands)
Revenues: |  |  |  |  |  |  |  |  |
Merchandise sales | $ | — |  |  | $ | 256,641 |  |  | $ | 25,442 |  |  | $ | — |  |  | $ | 282,083 |
Jewelry scrapping sales | — |  |  | $ | 195,398 |  |  | $ | 17,081 |  |  | $ | — |  |  | $ | 212,479 |
Pawn service charges | — |  |  | 184,234 |  |  | 16,901 |  |  | — |  |  | 201,135 |
Consumer loan fees | — |  |  | 163,246 |  |  | 8,705 |  |  | — |  |  | 171,951 |
Other revenues | 66,450 |  |  | 1,042 |  |  | 627 |  |  | (66,450 | ) |  | 1,669 |
Total revenues | 66,450 |  |  | 800,561 |  |  | 68,756 |  |  | (66,450 | ) |  | 869,317 |
Merchandise cost of goods sold | — |  |  | 147,240 |  |  | 14,820 |  |  | — |  |  | 162,060 |
Jewelry scrapping cost of goods sold | — |  |  | 120,828 |  |  | 12,732 |  |  | — |  |  | 133,560 |
Consumer loan bad debt | — |  |  | 36,166 |  |  | 2,593 |  |  | — |  |  | 38,759 |
Net revenues | 66,450 |  |  | 496,327 |  |  | 38,611 |  |  | (66,450 | ) |  | 534,938 |
Operating expenses: |  |  |  |  |  |  |  |  |
Operations | — |  |  | 237,040 |  |  | 30,012 |  |  | — |  |  | 267,052 |
Administrative | — |  |  | 70,160 |  |  | 5,110 |  |  | — |  |  | 75,270 |
Depreciation | — |  |  | 14,326 |  |  | 3,163 |  |  | — |  |  | 17,489 |
Amortization | — |  |  | 400 |  |  | 455 |  |  | — |  |  | 855 |
Loss on sale or disposal of assets | — |  |  | 138 |  |  | 171 |  |  | — |  |  | 309 |
Total operating expenses | — |  |  | 322,064 |  |  | 38,911 |  |  | — |  |  | 360,975 |
Operating income | 66,450 |  |  | 174,263 |  |  | (300 | ) |  | (66,450 | ) |  | 173,963 |
Interest, net | (8,451 | ) |  | 9,777 |  |  | 327 |  |  | — |  |  | 1,653 |
Equity in net income of unconsolidated affiliates | (8,945 | ) |  | (7,292 | ) |  | — |  |  | — |  |  | (16,237 | )
Other income | — |  |  | (168 | ) |  | 4 |  |  | — |  |  | (164 | )
Income before income taxes | 83,846 |  |  | 171,946 |  |  | (631 | ) |  | (66,450 | ) |  | 188,711 |
Income tax expense | 65,315 |  |  | 66,482 |  |  | 1,205 |  |  | (66,450 | ) |  | 66,552 |
Net income | 18,531 |  |  | 105,464 |  |  | (1,836 | ) |  | — |  |  | 122,159 |
Net income attributable to redeemable noncontrolling interest | — |  |  | — |  |  | — |  |  | — |  |  | — |
Net income attributable to EZCORP, Inc. | $ | 18,531 |  |  | $ | 105,464 |  |  | $ | (1,836 | ) |  | $ | — |  |  | $ | 122,159 |
| Fiscal Year Ended September 30, 2010
| (Unaudited)
| Parent |  | Subsidiary Guarantors |  | Other Subsidiaries |  | Eliminations |  | Consolidated
| (in thousands)
Revenues: |  |  |  |  |  |  |  |  |
Merchandise sales | $ | — |  |  | $ | 226,423 |  |  | $ | 14,031 |  |  | $ | — |  |  | $ | 240,454 |
Jewelry scrapping sales | — |  |  | 163,820 |  |  | 7,591 |  |  | — |  |  | 171,411 |
Pawn service charges | — |  |  | 154,505 |  |  | 9,190 |  |  | — |  |  | 163,695 |
Consumer loan fees | — |  |  | 155,151 |  |  | 1,871 |  |  | — |  |  | 157,022 |
Other revenues | 53,990 |  |  | 455 |  |  | 8 |  |  | (53,990 | ) |  | 463 |
Total revenues | 53,990 |  |  | 700,354 |  |  | 32,691 |  |  | (53,990 | ) |  | 733,045 |
Merchandise cost of goods sold | — |  |  | 131,827 |  |  | 8,457 |  |  | — |  |  | 140,284 |
Jewelry scrapping cost of goods sold | — |  |  | 104,599 |  |  | 6,239 |  |  | — |  |  | 110,838 |
Consumer loan bad debt | — |  |  | 33,293 |  |  | 1,151 |  |  | — |  |  | 34,444 |
Net revenues | 53,990 |  |  | 430,635 |  |  | 16,844 |  |  | (53,990 | ) |  | 447,479 |
Operating expenses: |  |  |  |  |  |  |  |  |
Operations | — |  |  | 221,017 |  |  | 15,647 |  |  | — |  |  | 236,664 |
Administrative | — |  |  | 50,170 |  |  | 2,570 |  |  | — |  |  | 52,740 |
Depreciation | — |  |  | 12,344 |  |  | 1,686 |  |  | — |  |  | 14,030 |
Amortization | — |  |  | 270 |  |  | 361 |  |  | — |  |  | 631 |
Loss on sale or disposal of assets | — |  |  | 1,470 |  |  | 58 |  |  | — |  |  | 1,528 |
Total operating expenses | — |  |  | 285,271 |  |  | 20,322 |  |  | — |  |  | 305,593 |
Operating income | 53,990 |  |  | 145,364 |  |  | (3,478 | ) |  | (53,990 | ) |  | 141,886 |
Interest, net | (9,176 | ) |  | 10,141 |  |  | 234 |  |  | — |  |  | 1,199 |
Equity in net income of unconsolidated affiliates | (3,928 | ) |  | (6,822 | ) |  | — |  |  | — |  |  | (10,750 | )
Other income | — |  |  | (92 | ) |  | (1 | ) |  | — |  |  | (93 | )
Income before income taxes | 67,094 |  |  | 142,137 |  |  | (3,711 | ) |  | (53,990 | ) |  | 151,530 |
Income tax expense | 54,226 |  |  | 54,026 |  |  | (26 | ) |  | (53,990 | ) |  | 54,236 |
Net income | 12,868 |  |  | 88,111 |  |  | (3,685 | ) |  | — |  |  | 97,294 |
Net income attributable to redeemable noncontrolling interest | — |  |  | — |  |  | — |  |  | — |  |  | — |
Net income attributable to EZCORP, Inc. | $ | 12,868 |  |  | $ | 88,111 |  |  | $ | (3,685 | ) |  | $ | — |  |  | $ | 97,294 |
Condensed Consolidating Statement of Comprehensive Income
| Fiscal Year Ended September 30, 2012
| Parent |  | Subsidiary Guarantors |  | Other Subsidiaries |  | Consolidated
| (in thousands)
Net income (loss) | $ | (36,454 | ) |  | $ | 172,151 |  |  | $ | 14,880 |  |  | $ | 150,577 |
Other comprehensive income (loss): |  |  |  |  |  |  |
Foreign currency translation gain (loss) | (4,948 | ) |  | (1,001 | ) |  | 5,942 |  |  | (7 | )
Unrealized holding loss arising during period | — |  |  | (735 | ) |  | — |  |  | (735 | )
Income tax benefit | 1,733 |  |  | 597 |  |  | — |  |  | 2,330 |
Other comprehensive income (loss), net of tax | (3,215 | ) |  | (1,139 | ) |  | 5,942 |  |  | 1,588 |
Comprehensive income (loss) | $ | (39,669 | ) |  | $ | 171,012 |  |  | $ | 20,822 |  |  | $ | 152,165 |
Attributable to redeemable noncontrolling interest: |  |  |  |  |  |  |
Net income | — |  |  | — |  |  | 6,869 |  |  | 6,869 |
Foreign currency translation gain | — |  |  | — |  |  | 955 |  |  | 955 |
Comprehensive income (loss) | — |  |  | — |  |  | 7,824 |  |  | 7,824 |
Comprehensive income (loss) attributable to EZCORP, Inc. | $ | (39,669 | ) |  | $ | 171,012 |  |  | $ | 12,998 |  |  | $ | 144,341 |
| Fiscal Year Ended September 30, 2011
| Parent |  | Subsidiary Guarantors |  | Other Subsidiaries |  | Consolidated
| (in thousands)
Net income (loss) | $ | 18,531 |  |  | $ | 105,464 |  |  | $ | (1,836 | ) |  | $ | 122,159 |
Other comprehensive income (loss): |  |  |  |  |  |  |
Foreign currency translation gain (loss) | 13,649 |  |  | 1,690 |  |  | (4,946 | ) |  | 10,393 |
Unrealized holding loss arising during period | — |  |  | 930 |  |  | — |  |  | 930 |
Income tax provision | (4,777 | ) |  | (917 | ) |  | — |  |  | (5,694 | )
Other comprehensive income (loss), net of tax | 8,872 |  |  | 1,703 |  |  | (4,946 | ) |  | 5,629 |
Comprehensive income (loss) | $ | 27,403 |  |  | $ | 107,167 |  |  | $ | (6,782 | ) |  | $ | 127,788 |
Attributable to redeemable noncontrolling interest: |  |  |  |  |  |  |
Net income | — |  |  | — |  |  | — |  |  | — |
Foreign currency translation gain (loss) | — |  |  | — |  |  | — |  |  | — |
Comprehensive income | — |  |  | — |  |  | — |  |  | — |
Comprehensive income (loss) attributable to EZCORP, Inc. | $ | 27,403 |  |  | $ | 107,167 |  |  | $ | (6,782 | ) |  | $ | 127,788 |
| Fiscal Year Ended September 30, 2010
| Parent |  | Subsidiary Guarantors |  | Other Subsidiaries |  | Consolidated
| (in thousands)
Net income (loss) | $ | 12,868 |  |  | $ | 88,111 |  |  | $ | (3,685 | ) |  | $ | 97,294 |
Other comprehensive income (loss): |  |  |  |  |  |  |
Foreign currency translation adjustments | (2,996 | ) |  | (2,483 | ) |  | 1,806 |  |  | (3,673 | )
Unrealized holding loss arising during period | — |  |  | — |  |  | — |  |  | — |
Income tax benefit | 1,049 |  |  | 869 |  |  | — |  |  | 1,918 |
Other comprehensive income (loss), net of tax | (1,947 | ) |  | (1,614 | ) |  | 1,806 |  |  | (1,755 | )
Comprehensive income (loss) | $ | 10,921 |  |  | $ | 86,497 |  |  | $ | (1,879 | ) |  | $ | 95,539 |
Attributable to redeemable noncontrolling interest: |  |  |  |  |  |  |
Net income | — |  |  | — |  |  | — |  |  | — |
Foreign currency translation adjustments | — |  |  | — |  |  | — |  |  | — |
Comprehensive income | — |  |  | — |  |  | — |  |  | — |
Comprehensive income (loss) attributable to EZCORP, Inc. | $ | 10,921 |  |  | $ | 86,497 |  |  | $ | (1,879 | ) |  | $ | 95,539 |
Condensed Consolidating Statement of Cash Flows
| Fiscal Year Ended September 30, 2012
| Parent |  | Subsidiary Guarantors |  | Other Subsidiaries |  | Consolidated
| (in thousands)
Operating Activities: |  |  |  |  |  |  |
Net income (loss) | $ | (36,454 | ) |  | $ | 172,151 |  |  | $ | 14,880 |  |  | $ | 150,577 |
Adjustments to reconcile net income to net cash provided by operating activities: |  |  |  |  |  |  |
Depreciation and amortization | — |  |  | 18,312 |  |  | 6,956 |  |  | 25,268 |
Consumer loan loss provisions | — |  |  | 11,210 |  |  | 6,623 |  |  | 17,833 |
Deferred income taxes | 4,138 |  |  | (141 | ) |  | (1,236 | ) |  | 2,761 |
(Gain) loss on sale or disposal of assets | — |  |  | (282 | ) |  | 281 |  |  | (1 | )
Stock compensation | — |  |  | 6,714 |  |  | — |  |  | 6,714 |
Income from investments in unconsolidated affiliates | (9,949 | ) |  | (7,451 | ) |  | — |  |  | (17,400 | )
Changes in operating assets and liabilities, net of business acquisitions: |  |  |  |  |  |  |
Service charges and fees receivable, net | — |  |  | (771 | ) |  | (4,588 | ) |  | (5,359 | )
Inventory, net | — |  |  | (2,731 | ) |  | (1,286 | ) |  | (4,017 | )
Prepaid expenses, other current assets, and other assets, net | — |  |  | (14,254 | ) |  | 1,932 |  |  | (12,322 | )
Accounts payable and accrued expenses | (50,173 | ) |  | (57,342 | ) |  | 111,862 |  |  | 4,347 |
Customer layaway deposits | — |  |  | (259 | ) |  | 477 |  |  | 218 |
Deferred gains and other long-term liabilities | — |  |  | (10,681 | ) |  | 1,899 |  |  | (8,782 | )
Excess tax benefit from stock compensation | (1,602 | ) |  | — |  |  | — |  |  | (1,602 | )
Income taxes receivable/payable | (21,045 | ) |  | 3,176 |  |  | 10,082 |  |  | (7,787 | )
Net cash provided by (used in) operating activities | $ | (115,085 | ) |  | $ | 117,651 |  |  | $ | 147,882 |  |  | $ | 150,448 |
Investing Activities: |  |  |  |  |  |  |
Loans made | — |  |  | (638,121 | ) |  | (164,775 | ) |  | (802,896 | )
Loans repaid | — |  |  | 408,404 |  |  | 111,789 |  |  | 520,193 |
Recovery of pawn loan principal through sale of forfeited collateral | — |  |  | 213,115 |  |  | 27,266 |  |  | 240,381 |
Additions to property and equipment | — |  |  | (31,064 | ) |  | (14,732 | ) |  | (45,796 | )
Acquisitions, net of cash acquired | — |  |  | (66,317 | ) |  | (62,330 | ) |  | (128,647 | )
Dividends from unconsolidated affiliates | 2,221 |  |  | 3,339 |  |  | — |  |  | 5,560 |
Net cash provided by (used in) investing activities | $ | 2,221 |  |  | $ | (110,644 | ) |  | $ | (102,782 | ) |  | $ | (211,205 | )
Financing Activities: |  |  |  |  |  |  |
Proceeds from exercise of stock options | 649 |  |  | — |  |  | — |  |  | 649 |
Excess tax benefit from stock compensation | 1,602 |  |  | — |  |  | — |  |  | 1,602 |
Debt issuance costs | — |  |  | — |  |  | (3,225 | ) |  | (3,225 | )
Taxes paid related to net share settlement of equity awards | (1,184 | ) |  | — |  |  | — |  |  | (1,184 | )
Change in restricted cash | — |  |  | — |  |  | (5,482 | ) |  | (5,482 | )
Proceeds from revolving line of credit | 753,200 |  |  | — |  |  | 39,727 |  |  | 792,927 |
Payments on revolving line of credit | (640,700 | ) |  | — |  |  | (54,377 | ) |  | (695,077 | )
Proceeds from bank borrowings | — |  |  | — |  |  | 2,461 |  |  | 2,461 |
Payments on bank borrowings and capital lease obligations | — |  |  | (181 | ) |  | (8,315 | ) |  | (8,496 | )
Net cash provided by (used in) financing activities | $ | 113,567 |  |  | $ | (181 | ) |  | $ | (29,211 | ) |  | $ | 84,175 |
Effect of exchange rate changes on cash and cash equivalents | — |  |  | — |  |  | 1,090 |  |  | 1,090 |
Net increase in cash and cash equivalents | 703 |  |  | 6,826 |  |  | 16,979 |  |  | 24,508 |
Cash and cash equivalents at beginning of period | — |  |  | 20,860 |  |  | 3,109 |  |  | 23,969 |
Cash and cash equivalents at end of period | $ | 703 |  |  | $ | 27,686 |  |  | $ | 20,088 |  |  | $ | 48,477 |
| Fiscal Year Ended September 30, 2011
| Parent |  | Subsidiary Guarantors |  | Other Subsidiaries |  | Consolidated
| (in thousands)
Operating Activities: |  |  |  |  |  |  |
Net income (loss) | $ | 18,531 |  |  | $ | 105,464 |  |  | $ | (1,836 | ) |  | $ | 122,159 |
Adjustments to reconcile net income to net cash provided by operating activities: |  |  |  |  |  |  |
Depreciation and amortization | — |  |  | 14,726 |  |  | 3,618 |  |  | 18,344 |
Consumer loan loss provisions | — |  |  | 12,521 |  |  | 2,566 |  |  | 15,087 |
Deferred income taxes | 12,458 |  |  | 191 |  |  | 1,014 |  |  | 13,663 |
Loss on sale or disposal of assets | — |  |  | 138 |  |  | 171 |  |  | 309 |
Stock compensation | — |  |  | 13,208 |  |  | — |  |  | 13,208 |
Income from investments in unconsolidated affiliates | (8,945 | ) |  | (7,292 | ) |  | — |  |  | (16,237 | )
Changes in operating assets and liabilities, net of business acquisitions: |  |  |  |  |  |  |
Service charges and fees receivable, net | — |  |  | (2,300 | ) |  | (698 | ) |  | (2,998 | )
Inventory, net | — |  |  | (3,506 | ) |  | (3,309 | ) |  | (6,815 | )
Prepaid expenses, other current assets, and other assets, net | (66,473 | ) |  | 57,985 |  |  | (3,957 | ) |  | (12,445 | )
Accounts payable and accrued expenses | 51,892 |  |  | (74,267 | ) |  | 27,786 |  |  | 5,411 |
Customer layaway deposits | — |  |  | (402 | ) |  | 307 |  |  | (95 | )
Deferred gains and other long-term liabilities | — |  |  | (423 | ) |  | 11 |  |  | (412 | )
Excess tax benefit from stock compensation | — |  |  | (3,230 | ) |  | — |  |  | (3,230 | )
Income taxes receivable (payable) | 1,706 |  |  | 42 |  |  | (1,704 | ) |  | 44 |
Net cash provided by operating activities | $ | 9,169 |  |  | $ | 112,855 |  |  | $ | 23,969 |  |  | $ | 145,993 |
Investing Activities: |  |  |  |  |  |  |
Loans made | — |  |  | (554,138 | ) |  | (95,111 | ) |  | (649,249 | )
Loans repaid | — |  |  | 339,574 |  |  | 64,818 |  |  | 404,392 |
Recovery of pawn loan principal through sale of forfeited collateral | — |  |  | 183,441 |  |  | 22,221 |  |  | 205,662 |
Additions to property and equipment | — |  |  | (24,651 | ) |  | (9,471 | ) |  | (34,122 | )
Acquisitions, net of cash acquired | — |  |  | (62,768 | ) |  | (5,152 | ) |  | (67,920 | )
Dividends from unconsolidated affiliates | 4,118 |  |  | 3,156 |  |  | — |  |  | 7,274 |
Net cash provided by (used in) investing activities | $ | 4,118 |  |  | $ | (115,386 | ) |  | $ | (22,695 | ) |  | $ | (133,963 | )
Financing Activities: |  |  |  |  |  |  |
Proceeds from exercise of stock options | 397 |  |  | — |  |  | — |  |  | 397 |
Excess tax benefit from stock compensation | 3,230 |  |  | — |  |  | — |  |  | 3,230 |
Debt issuance costs | (1,930 | ) |  | (467 | ) |  | — |  |  | (2,397 | )
Taxes paid related to net share settlement of equity awards | (7,484 | ) |  | — |  |  | — |  |  | (7,484 | )
Proceeds from revolving line of credit | — |  |  | 164,500 |  |  | — |  |  | 164,500 |
Payments on revolving line of credit | — |  |  | (147,000 | ) |  | — |  |  | (147,000 | )
Proceeds from bank borrowings | 2,500 |  |  | (2,500 | ) |  | — |  |  | — |
Payments on bank borrowings and capital lease obligations | (10,000 | ) |  | (15,004 | ) |  | — |  |  | (25,004 | )
Net cash used in financing activities | $ | (13,287 | ) |  | $ | (471 | ) |  | $ | — |  |  | $ | (13,758 | )
Effect of exchange rate changes on cash and cash equivalents | — |  |  | — |  |  | (157 | ) |  | (157 | )
Change in cash and cash equivalents | — |  |  | (3,002 | ) |  | 1,117 |  |  | (1,885 | )
Cash and cash equivalents at beginning of period | — |  |  | 23,862 |  |  | 1,992 |  |  | 25,854 |
Cash and cash equivalents at end of period | $ | — |  |  | $ | 20,860 |  |  | $ | 3,109 |  |  | $ | 23,969 |
| Fiscal Year Ended September 30, 2010
| Parent |  | Subsidiary Guarantors |  | Other Subsidiaries |  | Consolidated
| (in thousands)
Operating Activities: |  |  |  |  |  |  |
Net income (loss) | $ | 12,868 |  |  | $ | 88,111 |  |  | $ | (3,685 | ) |  | $ | 97,294 |
Adjustments to reconcile net income to net cash provided by operating activities: |  |  |  |  |  |  |
Depreciation and amortization | — |  |  | 12,614 |  |  | 2,047 |  |  | 14,661 |
Consumer loan loss provisions | — |  |  | 10,494 |  |  | 1,094 |  |  | 11,588 |
Deferred income taxes | (3,022 | ) |  | 1,660 |  |  | 75 |  |  | (1,287 | )
Loss on sale or disposal of assets | — |  |  | 1,470 |  |  | 58 |  |  | 1,528 |
Stock compensation | — |  |  | 4,512 |  |  | — |  |  | 4,512 |
Income from investments in unconsolidated affiliates | (3,928 | ) |  | (6,822 | ) |  | — |  |  | (10,750 | )
Changes in operating assets and liabilities, net of business acquisitions: |  |  |  |  |  |  |
Service charges and fees receivable, net | — |  |  | (3,742 | ) |  | (570 | ) |  | (4,312 | )
Inventory, net | — |  |  | (1,773 | ) |  | (371 | ) |  | (2,144 | )
Prepaid expenses, other current assets, and other assets, net | 397 |  |  | (3,983 | ) |  | (2,691 | ) |  | (6,277 | )
Accounts payable and accrued expenses | 50,659 |  |  | (57,494 | ) |  | 22,427 |  |  | 15,592 |
Customer layaway deposits | — |  |  | 1,780 |  |  | 44 |  |  | 1,824 |
Deferred gains and other long-term liabilities | — |  |  | (422 | ) |  | (314 | ) |  | (736 | )
Excess tax benefit from stock compensation | — |  |  | (1,861 | ) |  | — |  |  | (1,861 | )
Income taxes receivable (payable) | 5,841 |  |  | 270 |  |  | (1,018 | ) |  | 5,093 |
Net cash provided by operating activities | $ | 62,815 |  |  | $ | 44,814 |  |  | $ | 17,096 |  |  | $ | 124,725 |
Investing Activities: |  |  |  |  |  |  |
Loans made | — |  |  | (504,305 | ) |  | (41,274 | ) |  | (545,579 | )
Loans repaid | — |  |  | 313,255 |  |  | 22,577 |  |  | 335,832 |
Recovery of pawn loan principal through sale of forfeited collateral | — |  |  | 162,407 |  |  | 11,817 |  |  | 174,224 |
Additions to property and equipment | — |  |  | (16,503 | ) |  | (9,238 | ) |  | (25,741 | )
Proceeds on disposal of assets | — |  |  | 1,347 |  |  | — |  |  | 1,347 |
Acquisitions, net of cash acquired | — |  |  | (21,837 | ) |  | — |  |  | (21,837 | )
Investments in unconsolidated affiliates | (57,772 | ) |  | (1,416 | ) |  | — |  |  | (59,188 | )
Dividends from unconsolidated affiliates | 1,494 |  |  | 2,347 |  |  | — |  |  | 3,841 |
Net cash used in investing activities | $ | (56,278 | ) |  | $ | (64,705 | ) |  | $ | (16,118 | ) |  | $ | (137,101 | )
Financing Activities: |  |  |  |  |  |  |
Proceeds from exercise of stock options | 1,602 |  |  | — |  |  | — |  |  | 1,602 |
Excess tax benefit from stock compensation | 1,861 |  |  | — |  |  | — |  |  | 1,861 |
Taxes paid related to net share settlement of equity awards | — |  |  | — |  |  | — |  |  | — |
Debt issuance costs | — |  |  | 3 |  |  | — |  |  | 3 |
Proceeds from revolving line of credit | 63,050 |  |  | — |  |  | — |  |  | 63,050 |
Payments on revolving line of credit | (63,050 | ) |  | — |  |  | — |  |  | (63,050 | )
Proceeds from bank borrowings | — |  |  | — |  |  | — |  |  | — |
Payments on bank borrowings and capital lease obligations | (10,000 | ) |  | — |  |  | — |  |  | (10,000 | )
Net cash provided by (used in) financing activities | $ | (6,537 | ) |  | $ | 3 |  |  | $ | — |  |  | $ | (6,534 | )
Effect of exchange rate changes on cash and cash equivalents | — |  |  | — |  |  | — |  |  | — |
Change in cash and cash equivalents | — |  |  | (19,888 | ) |  | 978 |  |  | (18,910 | )
Cash and cash equivalents at beginning of period | — |  |  | 43,750 |  |  | 1,014 |  |  | 44,764 |
Cash and cash equivalents at end of period | $ | — |  |  | $ | 23,862 |  |  | $ | 1,992 |  |  | $ | 25,854 |

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