Operating Segment Information (Tables)

12 Months Ended

Sep. 30, 2012

The following tables present operating segment information for the three years ending ending September 30, 2012, 2011, and 2010 including the reclassifications discussed in Note 1, “Organization and Summary of Significant Accounting Policies.”



	Year Ended September 30, 2012
	U.S. & Canada			Latin America			Other International			Consolidated
	(in thousands)
Revenues:
Merchandise sales	$	293,461		$	41,949		$	—		$	335,410
Jewelry scrapping sales	192,587			15,732			—			208,319
Pawn service charges	210,645			24,997			—			235,642
Consumer loan fees	170,886			26,901			9,884			207,671
Other revenues	3,769			1,348			308			5,425
Total revenues	871,348			110,927			10,192			992,467

Merchandise cost of goods sold	169,285			22,729			—			192,014
Jewelry scrapping cost of goods sold	122,955			11,893			—			134,848
Consumer loan bad debt	37,405			309			3,663			41,377
Net revenues	541,703			75,996			6,529			624,228

Store operations	272,446			28,919			2,121			303,486
Administrative	25,893			14,281			4,597			44,771
Depreciation	13,930			3,725			177			17,832
Amortization	526			1,388			46			1,960
(Gain)/loss on sale or disposal of assets	(235		)	12			223			—
Interest, net	(3		)	(4,507		)	(1		)	(4,511		)
Equity in net income of unconsolidated affiliates	—			—			(17,400		)	(17,400		)
Other income	(647		)	(4		)	(559		)	(1,210		)
Segment contribution	$	229,793		$	32,182		$	17,325		$	279,300
Corporate expenses:
Administrative										49,264
Depreciation										5,457
Amortization										19
Gain on sale or disposal of assets										(1		)
Interest, net										2,961
Income before taxes										221,600
Income tax expense										71,023
Net income										150,577
Net income attributable to noncontrolling interest										6,869
Net income attributable to EZCORP, Inc.										$	143,708



	Year Ended September 30, 2011
	U.S. & Canada			Latin America		Other International			Consolidated
	(in thousands)
Revenues:
Merchandise sales	$	256,846		$	25,237	$	—		$	282,083
Jewelry scrapping sales	196,482			15,997		—			212,479
Pawn service charges	184,234			16,901		—			201,135
Consumer loan fees	171,951			—		—			171,951
Other revenues	1,547			122		—			1,669
Total revenues	811,060			58,257		—			869,317

Merchandise cost of goods sold	147,388			14,672		—			162,060
Jewelry scrapping cost of goods sold	121,355			12,205		—			133,560
Consumer loan bad debt	38,759			—		—			38,759
Net revenues	503,558			31,380		—			534,938

Store operations	246,416			20,636		—			267,052
Administrative	19,444			4,447		795			24,686
Depreciation	11,211			2,446		—			13,657
Amortization	456			399		—			855
Loss on sale or disposal of assets	296			13		—			309
Interest, net	30			4		—			34
Equity in net income of unconsolidated affiliates	—			—		(16,237		)	(16,237		)
Other (income) expense	(3		)	7		(168		)	(164		)
Segment contribution	$	225,708		$	3,428	$	15,610		$	244,746
Corporate expenses:
Administrative									50,584
Depreciation									3,832
Interest, net									1,619
Income before taxes									188,711
Income tax expense									66,552
Net income									122,159
Net income attributable to noncontrolling interest									—
Net income attributable to EZCORP, Inc.									$	122,159



	Year Ended September 30, 2010
	U.S. & Canada		Latin America			Other International			Consolidated
	(in thousands)
Revenues:
Merchandise sales	$	226,424	$	14,030		$	—		$	240,454
Jewelry scrapping sales	164,022		7,389			—			171,411
Pawn service charges	154,505		9,190			—			163,695
Consumer loan fees	157,022		—			—			157,022
Other revenues	463		—			—			463
Total revenues	702,436		30,609			—			733,045

Merchandise cost of goods sold	131,825		8,459			—			140,284
Jewelry scrapping cost of goods sold	104,701		6,137			—			110,838
Consumer loan bad debt	34,444		—			—			34,444
Net revenues	431,466		16,013			—			447,479

Store operations	225,006		11,658			—			236,664
Administrative	16,550		2,763			69			19,382
Depreciation	9,442		1,453			—			10,895
Amortization	275		356			—			631
(Gain)/loss on sale or disposal of assets	1,546		(2		)	—			1,544
Interest, net	—		2			—			2
Equity in net income of unconsolidated affiliates	—		—			(10,750		)	(10,750		)
Other (income) expense	3		(3		)	(93		)	(93		)
Segment contribution	$	178,644	$	(214	)	$	10,774		$	189,204
Corporate expenses:
Administrative									33,358
Depreciation									3,135
Gain on sale or disposal of assets									(16		)
Interest, net									1,197
Income before taxes									151,530
Income tax expense									54,236
Net income									97,294
Net income attributable to noncontrolling interest									—
Net income attributable to EZCORP, Inc.									$	97,294

Separately identified segment assets

The following table presents separately identified segment assets:



	U.S & Canada		Latin America		Other International		Consolidated
	(in thousands)
Assets at September 30, 2012
Cash and cash equivalents	$	14,820	$	20,702	$	1,789	$	37,311
Restricted cash	—		1,145		—		1,145
Pawn loans, net	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	60,947		23,220		1,503		85,670
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	$	607,257	$	311,259	$	51,075	$	969,591
Consumer loans outstanding from unaffiliated lenders	$	25,484	$	—	$	—	$	25,484
Assets at September 30, 2011
Cash and cash equivalents	$	10,040	$	1,496	$	—	$	11,536
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
Intangibles, net	16,775		867		—		17,642
Total separately identified recorded segment assets	$	504,675	$	45,479	$	—	$	550,154
Consumer loans outstanding from unaffiliated lenders	$	27,040	$	—	$	—	$	27,040

Reconciliation of separately identified recorded segment assets to consolidated total assets:

The following table reconciles separately identified recorded segment assets, as shown above, to our consolidated total assets:



	September 30,
	2012		2011
	(in thousands)
Total separately identified recorded segment assets	$	969,591	$	550,154
Corporate assets	248,416		206,296
Total assets	$	1,218,007	$	756,450

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:



	Fiscal Years Ended September 30,
	2012		2011		2010
	(in thousands)
Revenues:
U.S.	$	854,766	$	800,564	$	700,354
Mexico	110,927		58,257		30,609
Canada	16,582		10,496		2,082
U.K	10,192		—		—
Total	$	992,467	$	869,317	$	733,045

Schedule of Disclosure on Geographic Areas, Long-Lived Assets in Individual Foreign Countries by Country [Table Text Block]



	September 30,
	2012		2011
	(in thousands)
Long-Lived assets:
U.S.	$	317,887	$	240,661
Mexico	155,488		22,945
Canada	10,199		7,888
U.K	44,363		—
Other	42		—
Total	$	527,979	$	271,494

- Definition

Tabular disclosure of the names of foreign countries from which revenue is material and the amount of revenue from external customers attributed to those countries. An entity may also provide subtotals of geographic information about groups of countries.

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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.

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