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Operating Segment Information (Tables) | 12 Months Ended
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Sep. 30, 2012
Segment Reporting [Abstract] |
Operating segment information | The following tables present operating segment information for the three years ending ending September 30, 2012, 2011, and 2010 including the reclassifications discussed in Note 1, “Organization and Summary of Significant Accounting Policies.”
| Year Ended September 30, 2012
| U.S. & Canada |  | Latin America |  | Other International |  | Consolidated
| (in thousands)
Revenues: |  |  |  |  |  |  |
Merchandise sales | $ | 293,461 |  |  | $ | 41,949 |  |  | $ | — |  |  | $ | 335,410 |
Jewelry scrapping sales | 192,587 |  |  | 15,732 |  |  | — |  |  | 208,319 |
Pawn service charges | 210,645 |  |  | 24,997 |  |  | — |  |  | 235,642 |
Consumer loan fees | 170,886 |  |  | 26,901 |  |  | 9,884 |  |  | 207,671 |
Other revenues | 3,769 |  |  | 1,348 |  |  | 308 |  |  | 5,425 |
Total revenues | 871,348 |  |  | 110,927 |  |  | 10,192 |  |  | 992,467 |
Merchandise cost of goods sold | 169,285 |  |  | 22,729 |  |  | — |  |  | 192,014 |
Jewelry scrapping cost of goods sold | 122,955 |  |  | 11,893 |  |  | — |  |  | 134,848 |
Consumer loan bad debt | 37,405 |  |  | 309 |  |  | 3,663 |  |  | 41,377 |
Net revenues | 541,703 |  |  | 75,996 |  |  | 6,529 |  |  | 624,228 |
Store operations | 272,446 |  |  | 28,919 |  |  | 2,121 |  |  | 303,486 |
Administrative | 25,893 |  |  | 14,281 |  |  | 4,597 |  |  | 44,771 |
Depreciation | 13,930 |  |  | 3,725 |  |  | 177 |  |  | 17,832 |
Amortization | 526 |  |  | 1,388 |  |  | 46 |  |  | 1,960 |
(Gain)/loss on sale or disposal of assets | (235 | ) |  | 12 |  |  | 223 |  |  | — |
Interest, net | (3 | ) |  | (4,507 | ) |  | (1 | ) |  | (4,511 | )
Equity in net income of unconsolidated affiliates | — |  |  | — |  |  | (17,400 | ) |  | (17,400 | )
Other income | (647 | ) |  | (4 | ) |  | (559 | ) |  | (1,210 | )
Segment contribution | $ | 229,793 |  |  | $ | 32,182 |  |  | $ | 17,325 |  |  | $ | 279,300 |
Corporate expenses: |  |  |  |  |  |  |
Administrative |  |  |  |  |  |  | 49,264 |
Depreciation |  |  |  |  |  |  | 5,457 |
Amortization |  |  |  |  |  |  | 19 |
Gain on sale or disposal of assets |  |  |  |  |  |  | (1 | )
Interest, net |  |  |  |  |  |  | 2,961 |
Income before taxes |  |  |  |  |  |  | 221,600 |
Income tax expense |  |  |  |  |  |  | 71,023 |
Net income |  |  |  |  |  |  | 150,577 |
Net income attributable to noncontrolling interest |  |  |  |  |  |  | 6,869 |
Net income attributable to EZCORP, Inc. |  |  |  |  |  |  | $ | 143,708 |
| Year Ended September 30, 2011
| U.S. & Canada |  | Latin America |  | Other International |  | Consolidated
| (in thousands)
Revenues: |  |  |  |  |  |  |
Merchandise sales | $ | 256,846 |  |  | $ | 25,237 |  |  | $ | — |  |  | $ | 282,083 |
Jewelry scrapping sales | 196,482 |  |  | 15,997 |  |  | — |  |  | 212,479 |
Pawn service charges | 184,234 |  |  | 16,901 |  |  | — |  |  | 201,135 |
Consumer loan fees | 171,951 |  |  | — |  |  | — |  |  | 171,951 |
Other revenues | 1,547 |  |  | 122 |  |  | — |  |  | 1,669 |
Total revenues | 811,060 |  |  | 58,257 |  |  | — |  |  | 869,317 |
Merchandise cost of goods sold | 147,388 |  |  | 14,672 |  |  | — |  |  | 162,060 |
Jewelry scrapping cost of goods sold | 121,355 |  |  | 12,205 |  |  | — |  |  | 133,560 |
Consumer loan bad debt | 38,759 |  |  | — |  |  | — |  |  | 38,759 |
Net revenues | 503,558 |  |  | 31,380 |  |  | — |  |  | 534,938 |
Store operations | 246,416 |  |  | 20,636 |  |  | — |  |  | 267,052 |
Administrative | 19,444 |  |  | 4,447 |  |  | 795 |  |  | 24,686 |
Depreciation | 11,211 |  |  | 2,446 |  |  | — |  |  | 13,657 |
Amortization | 456 |  |  | 399 |  |  | — |  |  | 855 |
Loss on sale or disposal of assets | 296 |  |  | 13 |  |  | — |  |  | 309 |
Interest, net | 30 |  |  | 4 |  |  | — |  |  | 34 |
Equity in net income of unconsolidated affiliates | — |  |  | — |  |  | (16,237 | ) |  | (16,237 | )
Other (income) expense | (3 | ) |  | 7 |  |  | (168 | ) |  | (164 | )
Segment contribution | $ | 225,708 |  |  | $ | 3,428 |  |  | $ | 15,610 |  |  | $ | 244,746 |
Corporate expenses: |  |  |  |  |  |  |
Administrative |  |  |  |  |  |  | 50,584 |
Depreciation |  |  |  |  |  |  | 3,832 |
Interest, net |  |  |  |  |  |  | 1,619 |
Income before taxes |  |  |  |  |  |  | 188,711 |
Income tax expense |  |  |  |  |  |  | 66,552 |
Net income |  |  |  |  |  |  | 122,159 |
Net income attributable to noncontrolling interest |  |  |  |  |  |  | — |
Net income attributable to EZCORP, Inc. |  |  |  |  |  |  | $ | 122,159 |
| Year Ended September 30, 2010
| U.S. & Canada |  | Latin America |  | Other International |  | Consolidated
| (in thousands)
Revenues: |  |  |  |  |  |  |
Merchandise sales | $ | 226,424 |  |  | $ | 14,030 |  |  | $ | — |  |  | $ | 240,454 |
Jewelry scrapping sales | 164,022 |  |  | 7,389 |  |  | — |  |  | 171,411 |
Pawn service charges | 154,505 |  |  | 9,190 |  |  | — |  |  | 163,695 |
Consumer loan fees | 157,022 |  |  | — |  |  | — |  |  | 157,022 |
Other revenues | 463 |  |  | — |  |  | — |  |  | 463 |
Total revenues | 702,436 |  |  | 30,609 |  |  | — |  |  | 733,045 |
Merchandise cost of goods sold | 131,825 |  |  | 8,459 |  |  | — |  |  | 140,284 |
Jewelry scrapping cost of goods sold | 104,701 |  |  | 6,137 |  |  | — |  |  | 110,838 |
Consumer loan bad debt | 34,444 |  |  | — |  |  | — |  |  | 34,444 |
Net revenues | 431,466 |  |  | 16,013 |  |  | — |  |  | 447,479 |
Store operations | 225,006 |  |  | 11,658 |  |  | — |  |  | 236,664 |
Administrative | 16,550 |  |  | 2,763 |  |  | 69 |  |  | 19,382 |
Depreciation | 9,442 |  |  | 1,453 |  |  | — |  |  | 10,895 |
Amortization | 275 |  |  | 356 |  |  | — |  |  | 631 |
(Gain)/loss on sale or disposal of assets | 1,546 |  |  | (2 | ) |  | — |  |  | 1,544 |
Interest, net | — |  |  | 2 |  |  | — |  |  | 2 |
Equity in net income of unconsolidated affiliates | — |  |  | — |  |  | (10,750 | ) |  | (10,750 | )
Other (income) expense | 3 |  |  | (3 | ) |  | (93 | ) |  | (93 | )
Segment contribution | $ | 178,644 |  |  | $ | (214 | ) |  | $ | 10,774 |  |  | $ | 189,204 |
Corporate expenses: |  |  |  |  |  |  |
Administrative |  |  |  |  |  |  | 33,358 |
Depreciation |  |  |  |  |  |  | 3,135 |
Gain on sale or disposal of assets |  |  |  |  |  |  | (16 | )
Interest, net |  |  |  |  |  |  | 1,197 |
Income before taxes |  |  |  |  |  |  | 151,530 |
Income tax expense |  |  |  |  |  |  | 54,236 |
Net income |  |  |  |  |  |  | 97,294 |
Net income attributable to noncontrolling interest |  |  |  |  |  |  | — |
Net income attributable to EZCORP, Inc. |  |  |  |  |  |  | $ | 97,294 |
Separately identified segment assets | The following table presents separately identified segment assets:
| U.S & Canada |  | Latin America |  | Other International |  | Consolidated
| (in thousands)
Assets at September 30, 2012 |  |  |  |  |  |  |
Cash and cash equivalents | $ | 14,820 |  |  | $ | 20,702 |  |  | $ | 1,789 |  |  | $ | 37,311 |
Restricted cash | — |  |  | 1,145 |  |  | — |  |  | 1,145 |
Pawn loans, net | 140,885 |  |  | 16,763 |  |  | — |  |  | 157,648 |
Consumer loans, net | 18,960 |  |  | 73,422 |  |  | 3,767 |  |  | 96,149 |
Service charges and fees receivable, net | 34,066 |  |  | 24,637 |  |  | 1,114 |  |  | 59,817 |
Inventory, net | 94,449 |  |  | 14,765 |  |  | — |  |  | 109,214 |
Property and equipment, net | 60,947 |  |  | 23,220 |  |  | 1,503 |  |  | 85,670 |
Restricted cash, non-current | — |  |  | 4,337 |  |  | — |  |  | 4,337 |
Goodwill | 224,306 |  |  | 110,401 |  |  | 39,956 |  |  | 374,663 |
Intangibles, net | 18,824 |  |  | 21,867 |  |  | 2,946 |  |  | 43,637 |
Total separately identified recorded segment assets | $ | 607,257 |  |  | $ | 311,259 |  |  | $ | 51,075 |  |  | $ | 969,591 |
Consumer loans outstanding from unaffiliated lenders | $ | 25,484 |  |  | $ | — |  |  | $ | — |  |  | $ | 25,484 |
Assets at September 30, 2011 |  |  |  |  |  |  |
Cash and cash equivalents | $ | 10,040 |  |  | $ | 1,496 |  |  | $ | — |  |  | $ | 11,536 |
Pawn loans, net | 134,457 |  |  | 10,861 |  |  | — |  |  | 145,318 |
Consumer loans, net | 14,611 |  |  | — |  |  | — |  |  | 14,611 |
Service charges and fees receivable, net | 31,567 |  |  | 1,663 |  |  | — |  |  | 33,230 |
Inventory, net | 81,859 |  |  | 8,514 |  |  | — |  |  | 90,373 |
Property and equipment, net | 51,469 |  |  | 12,769 |  |  | — |  |  | 64,238 |
Goodwill | 163,897 |  |  | 9,309 |  |  | — |  |  | 173,206 |
Intangibles, net | 16,775 |  |  | 867 |  |  | — |  |  | 17,642 |
Total separately identified recorded segment assets | $ | 504,675 |  |  | $ | 45,479 |  |  | $ | — |  |  | $ | 550,154 |
Consumer loans outstanding from unaffiliated lenders | $ | 27,040 |  |  | $ | — |  |  | $ | — |  |  | $ | 27,040 |
Reconciliation of separately identified recorded segment assets to consolidated total assets: | The following table reconciles separately identified recorded segment assets, as shown above, to our consolidated total assets:
| September 30,
| 2012 |  | 2011
| (in thousands)
Total separately identified recorded segment assets | $ | 969,591 |  |  | $ | 550,154 |
Corporate assets | 248,416 |  |  | 206,296 |
Total assets | $ | 1,218,007 |  |  | $ | 756,450 |
Schedule of Revenue from External Customers Attributed to Foreign Countries by Geographic Area [Table Text Block] | The following tables provide geographic information required by ASC 280-10-50-41:
| Fiscal Years Ended September 30,
| 2012 |  | 2011 |  | 2010
| (in thousands)
Revenues: |  |  |  |  |
U.S. | $ | 854,766 |  |  | $ | 800,564 |  |  | $ | 700,354 |
Mexico | 110,927 |  |  | 58,257 |  |  | 30,609 |
Canada | 16,582 |  |  | 10,496 |  |  | 2,082 |
U.K | 10,192 |  |  | — |  |  | — |
Total | $ | 992,467 |  |  | $ | 869,317 |  |  | $ | 733,045 |
Schedule of Disclosure on Geographic Areas, Long-Lived Assets in Individual Foreign Countries by Country [Table Text Block] |
| September 30,
| 2012 |  | 2011
| (in thousands)
Long-Lived assets: |  |  |
U.S. | $ | 317,887 |  |  | $ | 240,661 |
Mexico | 155,488 |  |  | 22,945 |
Canada | 10,199 |  |  | 7,888 |
U.K | 44,363 |  |  | — |
Other | 42 |  |  | — |
Total | $ | 527,979 |  |  | $ | 271,494 |

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