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Operating Segment Information (Tables) | 3 Months Ended
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Dec. 31, 2012
Segment Reporting [Abstract] |
Operating segment information | The following tables present operating segment information for the three months ending December 31, 2012 and 2011:
| Three Months Ended December 31, 2012
| U.S. & Canada |  | Latin America |  | Other International |  | Consolidated
| (in thousands)
Revenues: |  |  |  |  |  |  |
Merchandise sales | $ | 80,465 |  |  | $ | 15,117 |  |  | $ | — |  |  | $ | 95,582 |
Jewelry scrapping sales | 42,142 |  |  | 3,783 |  |  | — |  |  | 45,925 |
Pawn service charges | 58,210 |  |  | 7,814 |  |  | — |  |  | 66,024 |
Consumer loan fees | 45,959 |  |  | 11,877 |  |  | 6,929 |  |  | 64,765 |
Other revenues | 2,794 |  |  | 1,654 |  |  | 382 |  |  | 4,830 |
Total revenues | 229,570 |  |  | 40,245 |  |  | 7,311 |  |  | 277,126 |
Merchandise cost of goods sold | 46,732 |  |  | 8,769 |  |  | — |  |  | 55,501 |
Jewelry scrapping cost of goods sold | 29,157 |  |  | 3,042 |  |  | — |  |  | 32,199 |
Consumer loan bad debt | 11,481 |  |  | (1,048 | ) |  | 3,641 |  |  | 14,074 |
Net revenues | 142,200 |  |  | 29,482 |  |  | 3,670 |  |  | 175,352 |
Segment expenses: |  |  |  |  |  |  |
Operations | 87,443 |  |  | 15,741 |  |  | 4,078 |  |  | 107,262 |
Depreciation and amortization | 4,102 |  |  | 1,675 |  |  | 76 |  |  | 5,853 |
Loss on sale or disposal of assets | 29 |  |  | — |  |  | — |  |  | 29 |
Interest expense | 17 |  |  | 2,613 |  |  | — |  |  | 2,630 |
Equity in net income of unconsolidated affiliates | — |  |  | — |  |  | (5,038 | ) |  | (5,038 | )
Other (income) expense | (4 | ) |  | 20 |  |  | (69 | ) |  | (53 | )
Segment contribution | $ | 50,613 |  |  | $ | 9,433 |  |  | $ | 4,623 |  |  | $ | 64,669 |
Corporate expenses: |  |  |  |  |  |  |
Administrative |  |  |  |  |  |  | 13,671 |
Depreciation and amortization |  |  |  |  |  |  | 1,799 |
Interest, net |  |  |  |  |  |  | 1,007 |
Other income |  |  |  |  |  |  | (448 | )
Income before taxes |  |  | 48,640 |
Income tax expense |  |  |  |  |  |  | 16,485 |
Net income |  |  |  |  |  |  | 32,155 |
Net income attributable to noncontrolling interest |  |  |  |  |  |  | 1,438 |
Net income attributable to EZCORP |  |  |  |  |  |  | $ | 30,717 |
| Three Months Ended December 31, 2011
| U.S. & Canada |  | Latin America |  | Other International |  | Consolidated
| (in thousands)
Revenues: |  |  |  |  |  |  |
Merchandise sales | $ | 76,552 |  |  | $ | 10,342 |  |  | $ | — |  |  | $ | 86,894 |
Jewelry scrapping sales | 52,866 |  |  | 3,537 |  |  | — |  |  | 56,403 |
Pawn service charges | 54,370 |  |  | 5,422 |  |  | — |  |  | 59,792 |
Consumer loan fees | 45,012 |  |  | — |  |  | 76 |  |  | 45,088 |
Other revenues | 576 |  |  | 120 |  |  | — |  |  | 696 |
Total revenues | 229,376 |  |  | 19,421 |  |  | 76 |  |  | 248,873 |
Merchandise cost of goods sold | 43,451 |  |  | 4,945 |  |  | — |  |  | 48,396 |
Jewelry scrapping cost of goods sold | 33,150 |  |  | 2,274 |  |  | — |  |  | 35,424 |
Consumer loan bad debt | 10,890 |  |  | — |  |  | 135 |  |  | 11,025 |
Net revenues | 141,885 |  |  | 12,202 |  |  | (59 | ) |  | 154,028 |
Segment expenses: |  |  |  |  |  |  |
Operations | 74,994 |  |  | 6,966 |  |  | 598 |  |  | 82,558 |
Depreciation and amortization | 3,223 |  |  | 770 |  |  | 22 |  |  | 4,015 |
(Gain) on sale or disposal of assets | (200 | ) |  | (1 | ) |  | — |  |  | (201 | )
Interest, net | 4 |  |  | (36 | ) |  | — |  |  | (32 | )
Equity in net income of unconsolidated affiliates | — |  |  | — |  |  | (4,161 | ) |  | (4,161 | )
Other (income) expense | (1,060 | ) |  | 3 |  |  | (64 | ) |  | (1,121 | )
Segment contribution | $ | 64,924 |  |  | $ | 4,500 |  |  | $ | 3,546 |  |  | $ | 72,970 |
Corporate expenses: |  |  |  |  |  |  |
Administrative |  |  |  |  |  |  | 11,654 |
Depreciation and amortization |  |  |  |  |  |  | 1,240 |
Interest expense |  |  |  |  |  |  | 583 |
Other expense |  |  |  |  |  |  | 2 |
Income before taxes |  |  | 59,491 |
Income tax expense |  |  |  |  |  |  | 20,139 |
Net income |  |  |  |  |  |  | 39,352 |
Net income attributable to noncontrolling interest |  |  |  |  |  |  | — |
Net income attributable to EZCORP |  |  |  |  |  |  | $ | 39,352 |
Separately identified segment assets | The following table presents separately identified segment assets:
| U.S. & Canada |  | Latin America |  | Other International |  | Consolidated
| (in thousands)
Assets at December 31, 2012 |  |  |  |  |  |  |
Cash and cash equivalents | $ | 15,407 |  |  | $ | 14,508 |  |  | $ | 2,115 |  |  | $ | 32,030 |
Restricted cash | — |  |  | 1,133 |  |  | — |  |  | 1,133 |
Pawn loans | 147,145 |  |  | 14,950 |  |  | — |  |  | 162,095 |
Consumer loans, net | 21,546 |  |  | 80,858 |  |  | 4,810 |  |  | 107,214 |
Service charges and fees receivable, net | 36,973 |  |  | 26,837 |  |  | 1,341 |  |  | 65,151 |
Inventory, net | 103,042 |  |  | 17,284 |  |  | — |  |  | 120,326 |
Property and equipment, net | 67,581 |  |  | 25,768 |  |  | 1,572 |  |  | 94,921 |
Restricted cash, non-current | — |  |  | 1,994 |  |  | — |  |  | 1,994 |
Goodwill | 276,570 |  |  | 111,485 |  |  | 39,956 |  |  | 428,011 |
Intangibles, net | 35,522 |  |  | 20,820 |  |  | 2,921 |  |  | 59,263 |
Total separately identified recorded segment assets | $ | 703,786 |  |  | $ | 315,637 |  |  | $ | 52,715 |  |  | $ | 1,072,138 |
Consumer loans outstanding from unaffiliated lenders | $ | 29,079 |  |  | $ | — |  |  | $ | — |  |  | $ | 29,079 |
Assets at December 31, 2011 |  |  |  |  |  |  |
Cash and cash equivalents | $ | 13,004 |  |  | $ | 4,696 |  |  | $ | 183 |  |  | $ | 17,883 |
Pawn loans | 140,386 |  |  | 9,674 |  |  | — |  |  | 150,060 |
Consumer loans, net | 16,102 |  |  | — |  |  | 86 |  |  | 16,188 |
Service charges and fees receivable, net | 34,644 |  |  | 1,532 |  |  | 28 |  |  | 36,204 |
Inventory, net | 91,264 |  |  | 9,121 |  |  | — |  |  | 100,385 |
Property and equipment, net | 53,190 |  |  | 14,161 |  |  | 238 |  |  | 67,589 |
Goodwill | 203,325 |  |  | 8,938 |  |  | — |  |  | 212,263 |
Intangibles, net | 17,770 |  |  | 800 |  |  | — |  |  | 18,570 |
Total separately identified recorded segment assets | $ | 569,685 |  |  | $ | 48,922 |  |  | $ | 535 |  |  | $ | 619,142 |
Consumer loans outstanding from unaffiliated lenders | $ | 29,722 |  |  | $ | — |  |  | $ | — |  |  | $ | 29,722 |
Assets at September 30, 2012 |  |  |  |  |  |  |
Cash and cash equivalents | $ | 14,820 |  |  | $ | 16,365 |  |  | $ | 1,789 |  |  | $ | 32,974 |
Restricted cash | — |  |  | 1,145 |  |  | — |  |  | 1,145 |
Pawn loans | 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 | 60,708 |  |  | 23,220 |  |  | 1,503 |  |  | 85,431 |
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 | $ | 607,018 |  |  | $ | 306,922 |  |  | $ | 51,075 |  |  | $ | 965,015 |
Consumer loans outstanding from unaffiliated lenders | $ | 24,773 |  |  | $ | — |  |  | $ | — |  |  | $ | 24,773 |
Reconciliation of Assets from Segment to Consolidated [Table Text Block] | The following table reconciles separately identified recorded segment assets, as shown above, to our consolidated total assets:
| December 31, |  | September 30,
| 2012 |  | 2011 |  | 2012
| (in thousands)
Total separately identified recorded segment assets | $ | 1,072,138 |  |  | $ | 619,142 |  |  | $ | 965,015 |
Corporate assets | 265,208 |  |  | 206,698 |  |  | 252,992 |
Total assets | $ | 1,337,346 |  |  | $ | 825,840 |  |  | $ | 1,218,007 |
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:
| December 31,
| 2012 |  | 2011
| (in thousands)
Revenues: |  |  |
U.S. | $ | 224,756 |  |  | $ | 225,715 |
Mexico | 40,245 |  |  | 19,421 |
Canada | 4,814 |  |  | 3,661 |
U.K | 7,311 |  |  | 76 |
Total | 277,126 |  |  | 248,873 |
Schedule of Disclosure on Geographic Areas, Long-Lived Assets in Individual Foreign Countries by Country [Table Text Block] |
| December 31, |  | September 30,
| 2012 |  | 2011 |  | 2012
| (in thousands)
Long-lived assets: |  |  |  |  |
U.S. | $ | 391,169 |  |  | $ | 283,462 |  |  | $ | 317,887 |
Mexico | 158,073 |  |  | 23,899 |  |  | 155,488 |
Canada | 9,658 |  |  | 9,745 |  |  | 10,199 |
U.K | 44,407 |  |  | 238 |  |  | 44,363 |
Other | 42 |  |  | — |  |  | 42 |
Total | $ | 603,349 |  |  | $ | 317,344 |  |  | $ | 527,979 |

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