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Condensed Consolidating Financial Information (Tables) | 12 Months Ended
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Sep. 30, 2012
Condensed Consolidating Financial Information [Abstract] |
Condensed Consolidated Balance Sheet | Condensed Consolidating Balance Sheets
| September 30, 2012
| 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 | 362,427 |  |  | — |  |  | — |  |  | (362,427 | ) |  | — |
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 | 385,066 |  |  | 355,989 |  |  | 102,771 |  |  | (362,427 | ) |  | 481,399 |
Investments in unconsolidated affiliates | 74,254 |  |  | 51,812 |  |  | — |  |  | — |  |  | 126,066 |
Investments in subsidiaries | 510,683 |  |  | 95,942 |  |  | — |  |  | (606,625 | ) |  | — |
Property and equipment, net | — |  |  | 74,837 |  |  | 33,294 |  |  | — |  |  | 108,131 |
Restricted cash non-current | — |  |  | — |  |  | 4,337 |  |  | — |  |  | 4,337 |
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 | $ | 971,551 |  |  | $ | 828,668 |  |  | $ | 386,840 |  |  | $ | (969,052 | ) |  | $ | 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 | — |  |  | 255,223 |  |  | 107,204 |  |  | (362,427 | ) |  | — |
Total current liabilities | 128 |  |  | 318,162 |  |  | 151,979 |  |  | (362,427 | ) |  | 107,842 |
Long-term debt, less current maturities | 130,000 |  |  | — |  |  | 68,836 |  |  | — |  |  | 198,836 |
Long-term capital lease obligations | — |  |  | 995 |  |  | — |  |  | — |  |  | 995 |
Deferred tax liability | 6,595 |  |  | 1,327 |  |  | — |  |  | — |  |  | 7,922 |
Deferred gains and other long-term liabilities | — |  |  | 1,898 |  |  | 12,005 |  |  | — |  |  | 13,903 |
Total liabilities | 136,723 |  |  | 322,382 |  |  | 232,820 |  |  | (362,427 | ) |  | 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; | 482 |  |  | 12 |  |  | — |  |  | (12 | ) |  | 482 |
Class B Voting Common Stock, convertible, par value $.01 per share; | 30 |  |  | 1 |  |  | — |  |  | (1 | ) |  | 30 |
Additional paid-in capital | 268,626 |  |  | 80,210 |  |  | 102,188 |  |  | (182,398 | ) |  | 268,626 |
Retained earnings | 565,803 |  |  | 427,372 |  |  | 663 |  |  | (428,035 | ) |  | 565,803 |
Accumulated other comprehensive income (loss) | (113 | ) |  | (1,309 | ) |  | (2,512 | ) |  | 3,821 |  |  | (113 | )
EZCORP, Inc. stockholders’ equity | 834,828 |  |  | 506,286 |  |  | 100,339 |  |  | (606,625 | ) |  | 834,828 |
Total liabilities and stockholders’ equity | $ | 971,551 |  |  | $ | 828,668 |  |  | $ | 386,840 |  |  | $ | (969,052 | ) |  | $ | 1,218,007 |
| September 30, 2011
| Parent |  | Subsidiary Guarantors |  | Other Subsidiaries |  | Eliminations |  | Consolidated
| (in thousands)
Assets: |  |  |  |  |  |  |  |  |
Current assets: |  |  |  |  |  |  |  |  |
Cash and cash equivalents | $ | — |  |  | $ | 20,860 |  |  | $ | 3,109 |  |  | $ | — |  |  | $ | 23,969 |
Pawn loans | — |  |  | 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 |
Intercompany receivables | 256,078 |  |  | (66,450 | ) |  | — |  |  | (189,628 | ) |  | — |
Prepaid expenses and other assets | 29 |  |  | 25,976 |  |  | 4,606 |  |  | — |  |  | 30,611 |
Total current assets | 268,835 |  |  | 245,477 |  |  | 31,553 |  |  | (189,628 | ) |  | 356,237 |
Investments in unconsolidated affiliates | 71,958 |  |  | 48,361 |  |  | — |  |  | — |  |  | 120,319 |
Investments in subsidiaries | 345,454 |  |  | 44,376 |  |  | — |  |  | (389,830 | ) |  | — |
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 | — |  |  | 7,038 |  |  | 1,362 |  |  | — |  |  | 8,400 |
Total assets | $ | 688,394 |  |  | $ | 583,766 |  |  | $ | 63,748 |  |  | $ | (579,458 | ) |  | $ | 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 | — |  |  | 170,631 |  |  | 18,997 |  |  | (189,628 | ) |  | — |
Income taxes payable | 693 |  |  | — |  |  | — |  |  | — |  |  | 693 |
Total current liabilities | 706 |  |  | 227,213 |  |  | 25,978 |  |  | (189,628 | ) |  | 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 | 24,146 |  |  | 230,878 |  |  | 26,806 |  |  | (189,628 | ) |  | 92,202 |
Commitments and contingencies |  |  |  |  |  |  |  |  |
Temporary equity: |  |  |  |  |  |  |  |  |
Redeemable noncontrolling interest | — |  |  | — |  |  | — |  |  | — |  |  | — |
Stockholders’ equity: |  |  |  |  |  |  |  |  |
Class A Non-voting Common Stock, par value $.01 per share; | 471 |  |  | 12 |  |  | — |  |  | (12 | ) |  | 471 |
Class B Voting Common Stock, convertible, par value $.01 per share; | 30 |  |  | — |  |  | 1 |  |  | (1 | ) |  | 30 |
Additional paid-in capital | 242,398 |  |  | 98,980 |  |  | 50,568 |  |  | (149,548 | ) |  | 242,398 |
Retained earnings | 422,095 |  |  | 254,065 |  |  | (6,126 | ) |  | (247,939 | ) |  | 422,095 |
Accumulated other comprehensive income (loss) | (746 | ) |  | (169 | ) |  | (7,501 | ) |  | 7,670 |  |  | (746 | )
EZCORP, Inc. stockholders’ equity | 664,248 |  |  | 352,888 |  |  | 36,942 |  |  | (389,830 | ) |  | 664,248 |
Total liabilities and stockholders’ equity | $ | 688,394 |  |  | $ | 583,766 |  |  | $ | 63,748 |  |  | $ | (579,458 | ) |  | $ | 756,450 |
Condensed Consolidated Statements of Income | Condensed Consolidating Statements of Operations
| Fiscal Year Ended September 30, 2012
| Parent |  | Subsidiary Guarantors |  | Other Subsidiaries |  | Eliminations |  | Consolidated
| (in thousands)
Revenues: |  |  |  |  |  |  |  |  |
Merchandise sales | $ | — |  |  | $ | 290,040 |  |  | $ | 43,024 |  |  | $ | — |  |  | $ | 333,064 |
Jewelry scrapping sales | — |  |  | 190,986 |  |  | 11,495 |  |  | — |  |  | 202,481 |
Pawn service charges | — |  |  | 210,601 |  |  | 22,937 |  |  | — |  |  | 233,538 |
Consumer loan fees | — |  |  | 156,285 |  |  | 44,396 |  |  | — |  |  | 200,681 |
Other revenues | 20,139 |  |  | 6,048 |  |  | 2,320 |  |  | (23,148 | ) |  | 5,359 |
Total revenues | 20,139 |  |  | 853,960 |  |  | 124,172 |  |  | (23,148 | ) |  | 975,123 |
Merchandise cost of goods sold | — |  |  | 167,281 |  |  | 23,356 |  |  | — |  |  | 190,637 |
Jewelry scrapping cost of goods sold | — |  |  | 122,089 |  |  | 8,626 |  |  | — |  |  | 130,715 |
Consumer loan bad debt | — |  |  | 33,645 |  |  | 5,725 |  |  | — |  |  | 39,370 |
Net revenues | 20,139 |  |  | 530,945 |  |  | 86,465 |  |  | (23,148 | ) |  | 614,401 |
Operating expenses: |  |  |  |  |  |  |  |  |
Operations | — |  |  | 283,468 |  |  | 52,880 |  |  | — |  |  | 336,348 |
Administrative | — |  |  | 45,471 |  |  | 5,450 |  |  | (3,009 | ) |  | 47,912 |
Depreciation | — |  |  | 17,760 |  |  | 4,251 |  |  | — |  |  | 22,011 |
Amortization | — |  |  | 453 |  |  | 1,503 |  |  | — |  |  | 1,956 |
(Gain) loss on sale or disposal of assets | — |  |  | (281 | ) |  | 254 |  |  | — |  |  | (27 | )
Total operating expenses | — |  |  | 346,871 |  |  | 64,338 |  |  | (3,009 | ) |  | 408,200 |
Operating income | 20,139 |  |  | 184,074 |  |  | 22,127 |  |  | (20,139 | ) |  | 206,201 |
Interest expense (income) | 3,192 |  |  | (1,174 | ) |  | (3,568 | ) |  | — |  |  | (1,550 | )
Equity in net income of unconsolidated affiliates | (9,949 | ) |  | (7,451 | ) |  | — |  |  | — |  |  | (17,400 | )
Equity in net income of subsidiaries | (180,500 | ) |  | — |  |  | — |  |  | 180,500 |  |  | — |
Other income | — |  |  | (828 | ) |  | (383 | ) |  | — |  |  | (1,211 | )
Income from continuing operations before income taxes | 207,396 |  |  | 193,527 |  |  | 26,078 |  |  | (200,639 | ) |  | 226,362 |
Income tax expense | 63,526 |  |  | 20,139 |  |  | 7,726 |  |  | (20,139 | ) |  | 71,252 |
Income from continuing operations, net of tax | 143,870 |  |  | 173,388 |  |  | 18,352 |  |  | (180,500 | ) |  | 155,110 |
(Loss) income from discontinued operations, net of tax | (162 | ) |  | 323 |  |  | (4,694 | ) |  | — |  |  | (4,533 | )
Net income | 143,708 |  |  | 173,711 |  |  | 13,658 |  |  | (180,500 | ) |  | 150,577 |
Net income from continuing operations attributable to redeemable noncontrolling interest | — |  |  | — |  |  | 6,869 |  |  | — |  |  | 6,869 |
Net income attributable to EZCORP, Inc. | $ | 143,708 |  |  | $ | 173,711 |  |  | $ | 6,789 |  |  | $ | (180,500 | ) |  | $ | 143,708 |
| Fiscal Year Ended September 30, 2011
| Parent |  | Subsidiary Guarantors |  | Other Subsidiaries |  | Eliminations |  | Consolidated
| (in thousands)
Revenues: |  |  |  |  |  |  |  |  |
Merchandise sales | $ | — |  |  | $ | 256,500 |  |  | $ | 25,216 |  |  | $ | — |  |  | $ | 281,716 |
Jewelry scrapping sales | — |  |  | 195,143 |  |  | 9,715 |  |  | — |  |  | 204,858 |
Pawn service charges | — |  |  | 184,204 |  |  | 15,542 |  |  | — |  |  | 199,746 |
Consumer loan fees | — |  |  | 158,947 |  |  | 5,948 |  |  | — |  |  | 164,895 |
Other revenues | 66,450 |  |  | 1,030 |  |  | 553 |  |  | (66,450 | ) |  | 1,583 |
Total revenues | 66,450 |  |  | 795,824 |  |  | 56,974 |  |  | (66,450 | ) |  | 852,798 |
Merchandise cost of goods sold | — |  |  | 147,152 |  |  | 14,682 |  |  | — |  |  | 161,834 |
Jewelry scrapping cost of goods sold | — |  |  | 120,656 |  |  | 7,214 |  |  | — |  |  | 127,870 |
Consumer loan bad debt | — |  |  | 35,048 |  |  | 1,743 |  |  | — |  |  | 36,791 |
Net revenues | 66,450 |  |  | 492,968 |  |  | 33,335 |  |  | (66,450 | ) |  | 526,303 |
Operating expenses: |  |  |  |  |  |  |  |  |
Operations | — |  |  | 252,872 |  |  | 29,523 |  |  | — |  |  | 282,395 |
Administrative | — |  |  | 50,025 |  |  | 559 |  |  | — |  |  | 50,584 |
Depreciation | — |  |  | 14,213 |  |  | 2,543 |  |  | — |  |  | 16,756 |
Amortization | — |  |  | 400 |  |  | 434 |  |  | — |  |  | 834 |
Loss on sale or disposal of assets | — |  |  | 139 |  |  | 154 |  |  | — |  |  | 293 |
Total operating expenses | — |  |  | 317,649 |  |  | 33,213 |  |  | — |  |  | 350,862 |
Operating income | 66,450 |  |  | 175,319 |  |  | 122 |  |  | (66,450 | ) |  | 175,441 |
Interest (income) expense | (8,451 | ) |  | 9,777 |  |  | 327 |  |  | — |  |  | 1,653 |
Equity in net income of unconsolidated affiliates | (8,945 | ) |  | (7,292 | ) |  | — |  |  | — |  |  | (16,237 | )
Equity in net income of subsidiaries | (104,223 | ) |  | — |  |  | — |  |  | 104,223 |  |  | — |
Other (income) expense | — |  |  | (168 | ) |  | 4 |  |  | — |  |  | (164 | )
Income (loss) from continuing operations before income taxes | 188,069 |  |  | 173,002 |  |  | (209 | ) |  | (170,673 | ) |  | 190,189 |
Income tax expense | 65,506 |  |  | 66,481 |  |  | 935 |  |  | (66,450 | ) |  | 66,472 |
Income (loss) from continuing operations, net of tax | 122,563 |  |  | 106,521 |  |  | (1,144 | ) |  | (104,223 | ) |  | 123,717 |
Income (loss) from discontinued operations, net of tax | (404 | ) |  | 1,145 |  |  | (2,299 | ) |  | — |  |  | (1,558 | )
Net income (loss) | 122,159 |  |  | 107,666 |  |  | (3,443 | ) |  | (104,223 | ) |  | 122,159 |
Net income from continuing operations attributable to redeemable noncontrolling interest | — |  |  | — |  |  | — |  |  | — |  |  | — |
Net income (loss) attributable to EZCORP, Inc. | $ | 122,159 |  |  | $ | 107,666 |  |  | $ | (3,443 | ) |  | $ | (104,223 | ) |  | $ | 122,159 |
| Fiscal Year Ended September 30, 2010
| Parent |  | Subsidiary Guarantors |  | Other Subsidiaries |  | Eliminations |  | Consolidated
| (in thousands)
Revenues: |  |  |  |  |  |  |  |  |
Merchandise sales | $ | — |  |  | $ | 226,404 |  |  | $ | 13,937 |  |  | $ | — |  |  | $ | 240,341 |
Jewelry scrapping sales | — |  |  | 163,804 |  |  | 5,122 |  |  | — |  |  | 168,926 |
Pawn service charges | — |  |  | 154,501 |  |  | 8,778 |  |  | — |  |  | 163,279 |
Consumer loan fees | — |  |  | 150,794 |  |  | 1,369 |  |  | — |  |  | 152,163 |
Other revenues | 53,990 |  |  | 454 |  |  | 5 |  |  | (53,990 | ) |  | 459 |
Total revenues | 53,990 |  |  | 695,957 |  |  | 29,211 |  |  | (53,990 | ) |  | 725,168 |
Merchandise cost of goods sold | — |  |  | 131,808 |  |  | 8,320 |  |  | — |  |  | 140,128 |
Jewelry scrapping cost of goods sold | — |  |  | 104,588 |  |  | 4,228 |  |  | — |  |  | 108,816 |
Consumer loan bad debt | — |  |  | 32,139 |  |  | 830 |  |  | — |  |  | 32,969 |
Net revenues | 53,990 |  |  | 427,422 |  |  | 15,833 |  |  | (53,990 | ) |  | 443,255 |
Operating expenses: |  |  |  |  |  |  |  |  |
Operations | — |  |  | 235,613 |  |  | 15,312 |  |  | — |  |  | 250,925 |
Administrative | — |  |  | 33,346 |  |  | 12 |  |  | — |  |  | 33,358 |
Depreciation | — |  |  | 12,247 |  |  | 1,435 |  |  | — |  |  | 13,682 |
Amortization | — |  |  | 270 |  |  | 352 |  |  | — |  |  | 622 |
Loss on sale or disposal of assets | — |  |  | 1,469 |  |  | 58 |  |  | — |  |  | 1,527 |
Total operating expenses | — |  |  | 282,945 |  |  | 17,169 |  |  | — |  |  | 300,114 |
Operating income (loss) | 53,990 |  |  | 144,477 |  |  | (1,336 | ) |  | (53,990 | ) |  | 143,141 |
Interest (income) expense | (9,176 | ) |  | 10,141 |  |  | 234 |  |  | — |  |  | 1,199 |
Equity in net income of unconsolidated affiliates | (3,928 | ) |  | (6,822 | ) |  | — |  |  | — |  |  | (10,750 | )
Equity in net income of subsidiaries | (84,535 | ) |  | — |  |  | — |  |  | 84,535 |  |  | — |
Other income | — |  |  | (93 | ) |  | — |  |  | — |  |  | (93 | )
Income (loss) from continuing operations before income taxes | 151,629 |  |  | 141,251 |  |  | (1,570 | ) |  | (138,525 | ) |  | 152,785 |
Income tax expense | 53,860 |  |  | 54,026 |  |  | 246 |  |  | (53,990 | ) |  | 54,142 |
Income (loss) from continuing operations, net of tax | 97,769 |  |  | 87,225 |  |  | (1,816 | ) |  | (84,535 | ) |  | 98,643 |
(Loss) income from discontinued operations, net of tax | (475 | ) |  | 1,331 |  |  | (2,205 | ) |  | — |  |  | (1,349 | )
Net income (loss) | 97,294 |  |  | 88,556 |  |  | (4,021 | ) |  | (84,535 | ) |  | 97,294 |
Net income from continuing operations attributable to redeemable noncontrolling interest | — |  |  | — |  |  | — |  |  | — |  |  | — |
Net income (loss) attributable to EZCORP, Inc. | $ | 97,294 |  |  | $ | 88,556 |  |  | $ | (4,021 | ) |  | $ | (84,535 | ) |  | $ | 97,294 |
Condensed consolidated statements of comprehensive income | Condensed Consolidating Statement of Comprehensive Income
| Fiscal Year Ended September 30, 2012
| Parent |  | Subsidiary Guarantors |  | Other Subsidiaries |  | Eliminations |  | Consolidated
| (in thousands)
Net income (loss) | $ | 143,708 |  |  | $ | 173,711 |  |  | $ | 13,658 |  |  | $ | (180,500 | ) |  | $ | 150,577 |
Other comprehensive income (loss): |  |  |  |  |  |  |  |  |
Foreign currency translation gain (loss) | (962 | ) |  | (1,002 | ) |  | 5,945 |  |  | (3,988 | ) |  | (7 | )
Unrealized holding loss arising during period | (735 | ) |  | (735 | ) |  | — |  |  | 735 |  |  | (735 | )
Income tax benefit | 2,330 |  |  | 597 |  |  | — |  |  | (597 | ) |  | 2,330 |
Other comprehensive income (loss), net of tax | 633 |  |  | (1,140 | ) |  | 5,945 |  |  | (3,850 | ) |  | 1,588 |
Comprehensive income (loss) | $ | 144,341 |  |  | $ | 172,571 |  |  | $ | 19,603 |  |  | $ | (184,350 | ) |  | $ | 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. | $ | 144,341 |  |  | $ | 172,571 |  |  | $ | 11,779 |  |  | $ | (184,350 | ) |  | $ | 144,341 |
| Fiscal Year Ended September 30, 2011
| Parent |  | Subsidiary Guarantors |  | Other Subsidiaries |  | Eliminations |  | Consolidated
| (in thousands)
Net income (loss) | $ | 122,159 |  |  | $ | 107,666 |  |  | $ | (3,443 | ) |  | $ | (104,223 | ) |  | $ | 122,159 |
Other comprehensive income (loss): |  |  |  |  |  |  |  |  |
Foreign currency translation gain (loss) | 10,393 |  |  | 1,691 |  |  | (4,948 | ) |  | 3,257 |  |  | 10,393 |
Unrealized holding loss arising during period | 930 |  |  | 930 |  |  | — |  |  | (930 | ) |  | 930 |
Income tax provision | (5,694 | ) |  | (917 | ) |  | — |  |  | 917 |  |  | (5,694 | )
Other comprehensive income (loss), net of tax | 5,629 |  |  | 1,704 |  |  | (4,948 | ) |  | 3,244 |  |  | 5,629 |
Comprehensive income (loss) | $ | 127,788 |  |  | $ | 109,370 |  |  | $ | (8,391 | ) |  | $ | (100,979 | ) |  | $ | 127,788 |
Attributable to redeemable noncontrolling interest: |  |  |  |  |  |  |  |  |
Net income | — |  |  | — |  |  | — |  |  | — |  |  | — |
Foreign currency translation gain (loss) | — |  |  | — |  |  | — |  |  | — |  |  | — |
Comprehensive income | — |  |  | — |  |  | — |  |  | — |  |  | — |
Comprehensive income (loss) attributable to EZCORP, Inc. | $ | 127,788 |  |  | $ | 109,370 |  |  | $ | (8,391 | ) |  | $ | (100,979 | ) |  | $ | 127,788 |
| Fiscal Year Ended September 30, 2010
| Parent |  | Subsidiary Guarantors |  | Other Subsidiaries |  | Eliminations |  | Consolidated
| (in thousands)
Net income (loss) | $ | 97,294 |  |  | $ | 88,556 |  |  | $ | (4,021 | ) |  | $ | (84,535 | ) |  | $ | 97,294 |
Other comprehensive income (loss): |  |  |  |  |  |  |  |  |
Foreign currency translation adjustments | (3,673 | ) |  | (2,483 | ) |  | 1,806 |  |  | 677 |  |  | (3,673 | )
Unrealized holding loss arising during period | — |  |  | — |  |  | — |  |  | — |  |  | — |
Income tax benefit | 1,918 |  |  | 869 |  |  | — |  |  | (869 | ) |  | 1,918 |
Other comprehensive income (loss), net of tax | (1,755 | ) |  | (1,614 | ) |  | 1,806 |  |  | (192 | ) |  | (1,755 | )
Comprehensive income (loss) | $ | 95,539 |  |  | $ | 86,942 |  |  | $ | (2,215 | ) |  | $ | (84,727 | ) |  | $ | 95,539 |
Attributable to redeemable noncontrolling interest: |  |  |  |  |  |  |  |  |
Net income | — |  |  | — |  |  | — |  |  | — |  |  | — |
Foreign currency translation adjustments | — |  |  | — |  |  | — |  |  | — |  |  | — |
Comprehensive income | — |  |  | — |  |  | — |  |  | — |  |  | — |
Comprehensive income (loss) attributable to EZCORP, Inc. | $ | 95,539 |  |  | $ | 86,942 |  |  | $ | (2,215 | ) |  | $ | (84,727 | ) |  | $ | 95,539 |
Condensed consolidated Statement of cash flows | Condensed Consolidating Statement of Cash Flows
| Fiscal Year Ended September 30, 2012
| Parent |  | Subsidiary Guarantors |  | Other Subsidiaries |  | Eliminations |  | Consolidated
| (in thousands)
Net cash provided by (used in) operating activities | $ | (112,864 | ) |  | $ | 141,638 |  |  | $ | 127,234 |  |  | $ | — |  |  | $ | 156,008 |
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 | )
Advances to subsidiaries | — |  |  | (20,648 | ) |  | — |  |  | 20,648 |  |  | — |
Net cash provided by (used in) investing activities | $ | — |  |  | $ | (134,631 | ) |  | $ | (102,782 | ) |  | $ | 20,648 |  |  | $ | (216,765 | )
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 |  |  | — |  |  | 60,375 |  |  | (20,648 | ) |  | 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 | ) |  | $ | (8,563 | ) |  | $ | (20,648 | ) |  | $ | 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)
Net cash provided by operating activities | $ | 13,287 |  |  | $ | 116,011 |  |  | $ | 23,969 |  |  | $ | 153,267 |
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 | )
Net cash provided by (used in) investing activities | $ | — |  |  | $ | (118,542 | ) |  | $ | (22,695 | ) |  | $ | (141,237 | )
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)
Net cash provided by operating activities | $ | 64,309 |  |  | $ | 47,161 |  |  | $ | 17,096 |  |  | $ | 128,566 |
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 | )
Net cash used in investing activities | $ | (57,772 | ) |  | $ | (67,052 | ) |  | $ | (16,118 | ) |  | $ | (140,942 | )
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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