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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 100% owned domestic subsidiaries will fully and unconditionally guarantee on a joint and several basis our payment obligations under such debt securities issued by the parent. In accordance with Rule 3-10(f) 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 consolidate the groups of entities. Subsequent to the issuance of our consolidated financial statements for the year ended September 30, 2012, we identified certain errors in the presentation of the condensed consolidating financial statements contained in this footnote as of September 30, 2012, 2011 and 2010. As originally presented, the condensed consolidating financial information presented did not comply with Rule 3-10(f) of Regulation S-X, which requires that the parent company should present its investments in all subsidiaries under the equity method of accounting. The condensed consolidating financial information presented on the following pages has been corrected to appropriately reflect investments in all subsidiaries under the equity method. These adjustments did not have an impact on the consolidated financial statements as of September 30, 2012, 2011 and 2010 or for the fiscal years then ended. 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 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 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 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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