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Operating Segment Information (Tables)
12 Months Ended
Sep. 30, 2012
Segment Reporting [Abstract]  
Operating segment information

 
Year Ended September 30, 2012
 
U.S. & Canada
 
Latin America
 
Other International
 
Consolidated
 
(in thousands)
Revenues:
 
 
 
 
 
 
 
Merchandise sales
$
291,497

 
$
41,567

 
$

 
$
333,064

Jewelry scrapping sales
191,905

 
10,576

 

 
202,481

Pawn service charges
210,601

 
22,937

 

 
233,538

Consumer loan fees
163,896

 
26,901

 
9,884

 
200,681

Other revenues
3,759

 
1,292

 
308

 
5,359

Total revenues
861,658

 
103,273

 
10,192

 
975,123

Merchandise cost of goods sold
168,133

 
22,504

 

 
190,637

Jewelry scrapping cost of goods sold
122,604

 
8,111

 

 
130,715

Consumer loan bad debt
35,398

 
309

 
3,663

 
39,370

Net revenues
535,523

 
72,349

 
6,529

 
614,401

Segment items:
 
 
 
 
 
 
 
Operations
292,371

 
37,259

 
6,718

 
336,348

Depreciation
13,058

 
3,319

 
177

 
16,554

Amortization
521

 
1,370

 
46

 
1,937

(Gain) loss on sale or disposal of assets
(261
)
 
12

 
223

 
(26
)
Interest income, net
(3
)
 
(4,507
)
 
(1
)
 
(4,511
)
Equity in net income of unconsolidated affiliates

 

 
(17,400
)
 
(17,400
)
Other income
(647
)
 
(5
)
 
(559
)
 
(1,211
)
Segment contribution
$
230,484

 
$
34,901

 
$
17,325

 
$
282,710

Corporate expenses:
 
 
 
 
 
 
 
Administrative
 
 
 
 
 
 
47,912

Depreciation
 
 
 
 
 
 
5,457

Amortization
 
 
 
 
 
 
19

Gain on sale or disposal of assets
 
 
 
 
 
 
(1
)
Interest expense, net
 
 
 
 
 
 
2,961

Income from continuing operations before income taxes
 
 
 
 
 
 
226,362

Income tax expense
 
 
 
 
 
 
71,252

Income from continuing operations, net of tax
 
 
 
 
 
 
155,110

Loss from discontinued operations, net of tax
 
 
 
 
 
 
(4,533
)
Net income
 
 
 
 
 
 
150,577

Net income attributable to redeemable 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
$
256,694

 
$
25,022

 
$

 
$
281,716

Jewelry scrapping sales
195,920

 
8,938

 

 
204,858

Pawn service charges
184,204

 
15,542

 

 
199,746

Consumer loan fees
164,895

 

 

 
164,895

Other revenues
1,484

 
99

 

 
1,583

Total revenues
803,197

 
49,601

 

 
852,798

Merchandise cost of goods sold
147,297

 
14,537

 

 
161,834

Jewelry scrapping cost of goods sold
121,051

 
6,819

 

 
127,870

Consumer loan bad debt
36,791

 

 

 
36,791

Net revenues
498,058

 
28,245

 

 
526,303

Segment items:
 
 
 
 
 
 
 
Operations
260,340

 
21,260

 
795

 
282,395

Depreciation
10,858

 
2,066

 

 
12,924

Amortization
452

 
382

 

 
834

Loss on sale or disposal of assets
281

 
12

 

 
293

Interest expense, net
30

 
4

 

 
34

Equity in net income of unconsolidated affiliates

 

 
(16,237
)
 
(16,237
)
Other (income) expense
(3
)
 
7

 
(168
)
 
(164
)
Segment contribution
$
226,100

 
$
4,514

 
$
15,610

 
$
246,224

Corporate expenses:
 
 
 
 
 
 
 
Administrative
 
 
 
 
 
 
50,584

Depreciation
 
 
 
 
 
 
3,832

Interest expense, net
 
 
 
 
 
 
1,619

Income from continuing operations before income taxes
 
 
 
 
 
 
190,189

Income tax expense
 
 
 
 
 
 
66,472

Income from continuing operations, net of tax
 
 
 
 
 
 
123,717

Loss from discontinued operations, net of tax
 
 
 
 
 
 
(1,558
)
Net income
 
 
 
 
 
 
122,159

Net income attributable to redeemable 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
$
226,404

 
$
13,937

 
$

 
$
240,341

Jewelry scrapping sales
163,938

 
4,988

 

 
168,926

Pawn service charges
154,501

 
8,778

 

 
163,279

Consumer loan fees
152,163

 

 

 
152,163

Other revenues
459

 

 

 
459

Total revenues
697,465

 
27,703

 

 
725,168

Merchandise cost of goods sold
131,808

 
8,320

 

 
140,128

Jewelry scrapping cost of goods sold
104,658

 
4,158

 

 
108,816

Consumer loan bad debt
32,969

 

 

 
32,969

Net revenues
428,030

 
15,225

 

 
443,255

Segment items:
 
 
 
 
 
 
 
Operations
238,309

 
12,547

 
69

 
250,925

Depreciation
9,271

 
1,277

 

 
10,548

Amortization
275

 
347

 

 
622

Loss (gain) on sale or disposal of assets
1,545

 
(2
)
 

 
1,543

Interest expense, net

 
2

 

 
2

Equity in net income of unconsolidated affiliates

 

 
(10,750
)
 
(10,750
)
Other expense (income)
3

 
(3
)
 
(93
)
 
(93
)
Segment contribution
$
178,627

 
$
1,057

 
$
10,774

 
$
190,458

Corporate expenses:
 
 
 
 
 
 
 
Administrative
 
 
 
 
 
 
33,358

Depreciation
 
 
 
 
 
 
3,134

Gain on sale or disposal of assets
 
 
 
 
 
 
(16
)
Interest expense, net
 
 
 
 
 
 
1,197

Income from continuing operations before income taxes
 
 
 
 
 
 
152,785

Income tax expense
 
 
 
 
 
 
54,142

Income from continuing operations, net of tax
 
 
 
 
 
 
98,643

Loss from discontinued operations, net of tax
 
 
 
 
 
 
(1,349
)
Net income
 
 
 
 
 
 
97,294

Net income attributable to redeemable 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.
$
850,946

 
$
795,825

 
$
695,956

Mexico
103,273

 
49,601

 
27,703

Canada
10,712

 
7,372

 
1,509

U.K
10,192

 

 

Total
$
975,123

 
$
852,798

 
$
725,168

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