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Operating Segment Information (Tables) | 3 Months Ended
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Mar. 31, 2012
Operating Segment Information [Abstract] |
Operating segment information |
|  | Three Months Ended March 31, 2012 |
|  | U.S. & Canada |  |  | Latin America |  |  | Other International |  |  | Consolidated |
|  | (In thousands) |
Revenues: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Merchandise sales |  | $ | 85,498 |  |  | $ | 9,499 |  |  | $ | — |  |  | $ | 94,997 |
Jewelry scrapping sales |  |  | 49,414 |  |  |  | 3,761 |  |  |  | — |  |  |  | 53,175 |
Pawn service charges |  |  | 50,505 |  |  |  | 5,939 |  |  |  | — |  |  |  | 56,444 |
Consumer loan fees |  |  | 42,806 |  |  |  | 7,383 |  |  |  | 130 |  |  |  | 50,319 |
Other revenues |  |  | 1,219 |  |  |  | 124 |  |  |  | — |  |  |  | 1,343 |
Total revenues |  |  | 229,442 |  |  |  | 26,706 |  |  |  | 130 |  |  |  | 256,278 |
Merchandise cost of goods sold |  |  | 50,499 |  |  |  | 5,381 |  |  |  | — |  |  |  | 55,880 |
Jewelry scrapping cost of goods sold |  |  | 29,537 |  |  |  | 2,773 |  |  |  | — |  |  |  | 32,310 |
Consumer loan bad debt |  |  | 5,878 |  |  |  | 508 |  |  |  | 80 |  |  |  | 6,466 |
Net revenues |  |  | 143,528 |  |  |  | 18,044 |  |  |  | 50 |  |  |  | 161,622 |
Operating expenses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Store operations |  |  | 68,890 |  |  |  | 8,211 |  |  |  | 168 |  |  |  | 77,269 |
Administrative |  |  | 5,424 |  |  |  | 4,334 |  |  |  | 2 |  |  |  | 9,760 |
Depreciation and amortization |  |  | 3,524 |  |  |  | 2,397 |  |  |  | 14 |  |  |  | 5,935 |
Loss on sale or disposal of assets |  |  | 25 |  |  |  | 2 |  |  |  | — |  |  |  | 27 |
Interest, net |  |  | — |  |  |  | 1,769 |  |  |  | — |  |  |  | 1,769 |
Equity in net income of unconsolidated affiliates |  |  | — |  |  |  | — |  |  |  | (4,577 | ) |  |  | (4,577 | )
Other |  |  | 791 |  |  |  | 11 |  |  |  | — |  |  |  | 802 |
Segment contribution |  | $ | 64,874 |  |  | $ | 1,320 |  |  | $ | 4,443 |  |  | $ | 70,637 |
Corporate expenses |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13,394 |
Income before taxes |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 57,243 |
Income tax expense |  |  |  |  |  |  | 19,870 |
Net income |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37,373 |
Net income attributable to redeemable noncontrolling interest |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 112 |
Net income attributable to EZCORP, Inc. |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 37,261 |
|  | Three Months Ended March 31, 2011 |
|  | U.S. & Canada |  |  | Latin America |  |  | Other International |  |  | Consolidated |
|  | (In thousands) |
Revenues: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Merchandise sales |  | $ | 72,420 |  |  | $ | 5,353 |  |  | $ | — |  |  | $ | 77,773 |
Jewelry scrapping sales |  |  | 44,351 |  |  |  | 3,644 |  |  |  | — |  |  |  | 47,995 |
Pawn service charges |  |  | 43,073 |  |  |  | 3,696 |  |  |  | — |  |  |  | 46,769 |
Consumer loan fees |  |  | 40,472 |  |  |  | — |  |  |  | — |  |  |  | 40,472 |
Other revenues |  |  | 220 |  |  |  | 25 |  |  |  | — |  |  |  | 245 |
Total revenues |  |  | 200,536 |  |  |  | 12,718 |  |  |  | — |  |  |  | 213,254 |
Merchandise cost of goods sold |  |  | 41,484 |  |  |  | 3,155 |  |  |  | — |  |  |  | 44,639 |
Jewelry scrapping cost of goods sold |  |  | 28,848 |  |  |  | 3,077 |  |  |  | — |  |  |  | 31,925 |
Consumer loan bad debt |  |  | 5,740 |  |  |  | — |  |  |  | — |  |  |  | 5,740 |
Net revenues |  |  | 124,464 |  |  |  | 6,486 |  |  |  | — |  |  |  | 130,950 |
Operating expenses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Store operations |  |  | 61,196 |  |  |  | 4,849 |  |  |  | — |  |  |  | 66,045 |
Administrative |  |  | 4,407 |  |  |  | 1,079 |  |  |  | 27 |  |  |  | 5,513 |
Depreciation and amortization |  |  | 2,885 |  |  |  | 678 |  |  |  | — |  |  |  | 3,563 |
Gain on sale or disposal of assets |  |  | (178 | ) |  |  | — |  |  |  | — |  |  |  | (178 | )
Interest, net |  |  | — |  |  |  | 1 |  |  |  | — |  |  |  | 1 |
Equity in net income of unconsolidated affiliates |  |  | — |  |  |  | — |  |  |  | (4,691 | ) |  |  | (4,691 | )
Other |  |  | 3 |  |  |  | 1 |  |  |  | — |  |  |  | 4 |
Segment contribution |  | $ | 56,151 |  |  | $ | (122 | ) |  | $ | 4,664 |  |  | $ | 60,693 |
Corporate expenses |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11,411 |
Income before taxes |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 49,282 |
Income tax expense |  |  |  |  |  |  | 17,444 |
Net income |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31,838 |
Net income attributable to redeemable noncontrolling interest |  |  |  |  |  |  |  |  |  |  |  |  |  |  | — |
Net income attributable to EZCORP, Inc. |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 31,838 |
|  | Six Months Ended March 31, 2012 |
|  | U.S. & Canada |  |  | Latin America |  |  | Other International |  |  | Consolidated |
|  | (In thousands) |
Revenues: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Merchandise sales |  | $ | 162,050 |  |  | $ | 19,841 |  |  | $ | — |  |  | $ | 181,891 |
Jewelry scrapping sales |  |  | 102,280 |  |  |  | 7,298 |  |  |  | — |  |  |  | 109,578 |
Pawn service charges |  |  | 104,875 |  |  |  | 11,361 |  |  |  | — |  |  |  | 116,236 |
Consumer loan fees |  |  | 87,818 |  |  |  | 7,383 |  |  |  | 206 |  |  |  | 95,407 |
Other revenues |  |  | 1,795 |  |  |  | 244 |  |  |  | — |  |  |  | 2,039 |
Total revenues |  |  | 458,818 |  |  |  | 46,127 |  |  |  | 206 |  |  |  | 505,151 |
Merchandise cost of goods sold |  |  | 93,950 |  |  |  | 10,326 |  |  |  | — |  |  |  | 104,276 |
Jewelry scrapping cost of goods sold |  |  | 62,687 |  |  |  | 5,047 |  |  |  | — |  |  |  | 67,734 |
Consumer loan bad debt |  |  | 16,768 |  |  |  | 508 |  |  |  | 215 |  |  |  | 17,491 |
Net revenues |  |  | 285,413 |  |  |  | 30,246 |  |  |  | (9 | ) |  |  | 315,650 |
Operating expenses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Store operations |  |  | 137,215 |  |  |  | 14,209 |  |  |  | 346 |  |  |  | 151,770 |
Administrative |  |  | 11,871 |  |  |  | 5,629 |  |  |  | 422 |  |  |  | 17,922 |
Depreciation and amortization |  |  | 6,771 |  |  |  | 3,174 |  |  |  | 36 |  |  |  | 9,981 |
(Gain) loss on sale or disposal of assets |  |  | (175 | ) |  |  | 1 |  |  |  | — |  |  |  | (174 | )
Interest, net |  |  | 4 |  |  |  | 1,733 |  |  |  | — |  |  |  | 1,737 |
Equity in net income of unconsolidated affiliates |  |  | — |  |  |  | — |  |  |  | (8,738 | ) |  |  | (8,738 | )
Other |  |  | (269 | ) |  |  | 16 |  |  |  | (64 | ) |  |  | (317 | )
Segment contribution |  | $ | 129,996 |  |  | $ | 5,484 |  |  | $ | 7,989 |  |  | $ | 143,469 |
Corporate expenses |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26,735 |
Income before taxes |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 116,734 |
Income tax expense |  |  |  |  |  |  | 40,009 |
Net income |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 76,725 |
Net income attributable to redeemable noncontrolling interest |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 112 |
Net income attributable to EZCORP, Inc. |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 76,613 |
|  | Six Months Ended March 31, 2011 |
|  | U.S. & Canada |  |  | Latin America |  |  | Other International |  |  | Consolidated |
|  | (In thousands) |
Revenues: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Merchandise sales |  | $ | 138,725 |  |  | $ | 10,928 |  |  | $ | — |  |  | $ | 149,653 |
Jewelry scrapping sales |  |  | 91,554 |  |  |  | 7,106 |  |  |  | — |  |  |  | 98,660 |
Pawn service charges |  |  | 89,509 |  |  |  | 7,070 |  |  |  | — |  |  |  | 96,579 |
Consumer loan fees |  |  | 86,782 |  |  |  | — |  |  |  | — |  |  |  | 86,782 |
Other revenues |  |  | 378 |  |  |  | 28 |  |  |  | — |  |  |  | 406 |
Total revenues |  |  | 406,948 |  |  |  | 25,132 |  |  |  | — |  |  |  | 432,080 |
Merchandise cost of goods sold |  |  | 79,681 |  |  |  | 6,269 |  |  |  | — |  |  |  | 85,950 |
Jewelry scrapping cost of goods sold |  |  | 58,465 |  |  |  | 5,715 |  |  |  | — |  |  |  | 64,180 |
Consumer loan bad debt |  |  | 16,768 |  |  |  | — |  |  |  | — |  |  |  | 16,768 |
Net revenues |  |  | 252,034 |  |  |  | 13,148 |  |  |  | — |  |  |  | 265,182 |
Operating expenses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Store operations |  |  | 121,422 |  |  |  | 9,127 |  |  |  | — |  |  |  | 130,549 |
Administrative |  |  | 9,810 |  |  |  | 2,016 |  |  |  | 52 |  |  |  | 11,878 |
Depreciation and amoritzation |  |  | 5,602 |  |  |  | 1,281 |  |  |  | — |  |  |  | 6,883 |
(Gain) loss on sale or disposal of assets |  |  | (172 | ) |  |  | 1 |  |  |  | — |  |  |  | (171 | )
Interest, net |  |  | — |  |  |  | 2 |  |  |  | — |  |  |  | 2 |
Equity in net income of unconsolidated affiliates |  |  | — |  |  |  | — |  |  |  | (8,058 | ) |  |  | (8,058 | )
Other |  |  | 3 |  |  |  | 1 |  |  |  | (61 | ) |  |  | (57 | )
Segment contribution |  | $ | 115,369 |  |  | $ | 720 |  |  | $ | 8,067 |  |  | $ | 124,156 |
Corporate expenses |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32,339 |
Income before taxes |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91,817 |
Income tax expense |  |  |  |  |  |  | 32,550 |
Net income |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 59,267 |
Net income attributable to redeemable noncontrolling interest |  |  |  |  |  |  |  |  |  |  |  |  |  |  | — |
Net income attributable to EZCORP, Inc. |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 59,267 |
Separately identified segment assets |
|  | U.S. & Canada |  |  | Latin America |  |  | Other International |  |  | Consolidated |
|  | (In thousands) |
Assets at March 31, 2012: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pawn loans, net |  | $ | 108,804 |  |  | $ | 13,501 |  |  | $ | — |  |  | $ | 122,305 |
Consumer loans, net |  |  | 14,072 |  |  |  | 62,579 |  |  |  | 87 |  |  |  | 76,738 |
Service charges and fees receivable, net |  |  | 25,886 |  |  |  | 20,933 |  |  |  | 28 |  |  |  | 46,847 |
Inventory, net |  |  | 77,190 |  |  |  | 10,701 |  |  |  | — |  |  |  | 87,891 |
Property and equipment, net |  |  | 57,241 |  |  |  | 19,180 |  |  |  | — |  |  |  | 76,421 |
Goodwill |  |  | 213,967 |  |  |  | 106,725 |  |  |  | — |  |  |  | 320,692 |
Total separately identified recorded segment assets |  | $ | 497,160 |  |  | $ | 233,619 |  |  | $ | 115 |  |  | $ | 730,894 |
Consumer loans outstanding from unaffiliated lenders |  | $ | 20,056 |  |  | $ | — |  |  | $ | — |  |  | $ | 20,056 |
Assets at March 31, 2011: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pawn loans, net |  | $ | 97,375 |  |  | $ | 9,150 |  |  | $ | — |  |  | $ | 106,525 |
Consumer loans, net |  |  | 11,948 |  |  |  | — |  |  |  | — |  |  |  | 11,948 |
Service charges and fees receivable, net |  |  | 24,647 |  |  |  | 1,355 |  |  |  | — |  |  |  | 26,002 |
Inventory, net |  |  | 63,242 |  |  |  | 7,033 |  |  |  | — |  |  |  | 70,275 |
Property and equipment, net |  |  | 46,155 |  |  |  | 11,925 |  |  |  | — |  |  |  | 58,080 |
Goodwill |  |  | 136,039 |  |  |  | 7,365 |  |  |  | — |  |  |  | 143,404 |
Total separately identified recorded segment assets |  | $ | 379,406 |  |  | $ | 36,828 |  |  | $ | — |  |  | $ | 416,234 |
Consumer loans outstanding from unaffiliated lenders |  | $ | 21,504 |  |  | $ | — |  |  | $ | — |  |  | $ | 21,504 |
Assets at September 30, 2011: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 |
Total separately identified recorded segment assets |  | $ | 477,860 |  |  | $ | 43,116 |  |  | $ | — |  |  | $ | 520,976 |
Consumer loans outstanding from unaffiliated lenders |  | $ | 27,040 |  |  | $ | — |  |  | $ | — |  |  | $ | 27,040 |

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- Definition Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 21 -Subparagraph (b) -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8721-108599 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 22 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8736-108599 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 131 -Paragraph 27, 28 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 30 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8906-108599 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 350 -SubTopic 20 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=6905597&loc=d3e13816-109267 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 280 -SubTopic 10 -Section 50 -Paragraph 25 -URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8813-108599 + Details
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