Stock-Based Compensation (Tables)

6 Months Ended

Dec. 31, 2013

Stock-Based Compensation [Abstract]

Range Of Assumptions Used To Value Options Granted

	Three and six months ended
	December 31,
	2013		2012
Expected volatility	50	%	49	%
Expected dividends	0	%	0	%
Expected life (in years)	3		3
Risk-free rate	0.9	%	0.3	%

Summarized Stock Option Activity

				Weighted		Weighted
			Weighted	Average		Average
			average	Remaining	Aggregate	Grant
			exercise	Contractual	Intrinsic	Date Fair
	Number of		price	Term	Value	Value
	shares		($)	(in years)	($'000)	($)
Outstanding – June 30, 2013	2,648,583		15.15	5.98	313
Granted under Plan: August
2013	224,896		7.35	10.00	568	2.53
Outstanding – December 31,
2013	2,873,479		14.54	5.79	1,037
Outstanding – June 30, 2012	2,247,583		16.28	6.43	602
Granted under Plan: August
2012	431,000		8.75	10.00	1,249	2.90
Exercised	(30,000	)	7.98		24
Outstanding – December 31,
2012	2,648,583		15.15	6.74	978

The following table presents stock options vesting and expecting to vest as of December 31, 2013:

			Weighted
		Weighted	Average
		average	Remaining	Aggregate
		exercise	Contractual	Intrinsic
	Number of	price	Term	Value
	shares	($)	(in years)	($'000)
Vested and expecting to vest
– December 31, 2013	2,873,479	14.54	5.79	1,037

These options have an exercise price range of $6.59 to $24.46.

			Weighted
			Average
		Weighted	Remaining	Aggregate
		average	Contractual	Intrinsic
	Number of	exercise	Term	Value
	shares	price ($)	(in years)	($'000)
Exercisable	2,144,917	16.51	4.97	566

Restricted Stock Activity

				Weighted
	Number of			Average
	Shares of			Grant Date
	Restricted			Fair Value
	Stock			($'000)
Non-vested – June 30, 2013	405,226		$	4,393
Granted – August 2013	187,963			1,382
Vested – August 2013	(16,907	)		161
Forfeitures – October 2013	(7,171	)		161
Non-vested – December 31, 2013	569,111			5,572
Non-vested – June 30, 2012	646,617			7,061
Granted – August 2012	21,569			189
Vested – August 2012	(23,436	)		216
Non-vested – December 31, 2012	644,750		$	7,021

Recorded Net Stock Compensation Charge

					Allocated to cost
					of goods sold, IT		Allocated to
					processing,		selling, general
		Total			servicing and		and
		charge			support		administration
Three months ended December 31, 2013
Stock-based compensation charge	$	974			-	$	974
Reversal of stock compensation charge related to
restricted stock forfeited		(6	)		-		(6	)
Total – three months ended December 31, 2013 .	$	968		$	-	$	968
Three months ended December 31, 2012
Stock-based compensation charge	$	1,117		$	-	$	1,117
Total – three months ended December 31, 2012	$	1,117		$	-	$	1,117

					Allocated to cost
					of goods sold, IT		Allocated to
					processing,		selling, general
		Total			servicing and		and
		charge			support		administration
Six months ended December 31, 2013
Stock-based compensation charge	$	1,904		$	-	$	1,904
Reversal of stock compensation charge related to
restricted stock forfeited		(6	)		-		(6	)
Total – six months ended December 31, 2013	$	1,898		$	-	$	1,898
Six months ended December 31, 2012
Stock-based compensation charge	$	2,233		$	-	$	2,233
Total – six months ended December 31, 2012	$	2,233		$	-	$	2,233