Operating Segment Information

3 Months Ended

Dec. 31, 2013

Segment Reporting [Abstract]

OPERATING SEGMENT INFORMATION

NOTE 12: OPERATING SEGMENT INFORMATION

Segment information is prepared on the same basis that our management reviews financial information for operational decision-making purposes.

We currently report our segments as follows:

• U.S. & Canada — All business activities in the United States and Canada

• Latin America — All business activities in Mexico and other parts of Latin America

• Other International — All business activities in the rest of the world (currently consisting of Cash Genie online lending business in the United Kingdom and our equity interests in the results of operations of Albemarle & Bond and Cash Converters International)

There are no inter-segment revenues, and the amounts below were determined in accordance with the same accounting principles used in our consolidated financial statements. The following tables present operating segment information for the three months ending December 31, 2013 and 2012, including reclassifications discussed in Note 1 "Organization and Summary of Significant Accounting Policies."

	Three Months Ended December 31, 2013
	U.S. & Canada			Latin America			Other International			Consolidated
	(in thousands)
Revenues:
Merchandise sales	$	88,890		$	16,697		$	—		$	105,587
Jewelry scrapping sales	25,925			1,778			—			27,703
Pawn service charges	57,069			7,064			—			64,133
Consumer loan fees and interest	48,702			14,293			3,334			66,329
Other revenues	485			5,122			(2		)	5,605
Total revenues	221,071			44,954			3,332			269,357
Merchandise cost of goods sold	53,047			10,541			—			63,588
Jewelry scrapping cost of goods sold	18,570			1,450			—			20,020
Consumer loan bad debt	15,556			1,391			1,485			18,432
Net revenues	133,898			31,572			1,847			167,317
Segment expenses (income):
Operations	90,682			18,382			3,705			112,769
Depreciation	4,267			1,459			103			5,829
Amortization	652			617			26			1,295
(Gain) loss on sale or disposal of assets	(6,318		)	6			—			(6,312		)
Interest expense (income), net	5			3,148			(2		)	3,151
Equity in net income of unconsolidated affiliates	—			—			(1,271		)	(1,271		)
Other income	—			(30		)	(29		)	(59		)
Segment contribution (loss)	$	44,610		$	7,990		$	(685	)	$	51,915
Corporate expenses (income):
Administrative										15,745
Depreciation										1,637
Amortization										645
Loss on sale or disposal of assets										22
Interest expense, net										1,181
Other income										(109		)
Income from continuing operations before income taxes										32,794
Income tax expense										9,881
Income from continuing operations, net of tax										22,913
Income from discontinued operations, net of tax										1,482
Net income										24,395
Net income from continuing operations attributable to redeemable noncontrolling interest										1,826
Net income attributable to EZCORP, Inc.										$	22,569

	Three Months Ended December 31, 2012
	U.S. & Canada			Latin America			Other International			Consolidated
	(in thousands)
Revenues:
Merchandise sales	$	79,704		$	14,900		$	—		$	94,604
Jewelry scrapping sales	41,988			2,721			—			44,709
Pawn service charges	58,197			7,203			—			65,400
Consumer loan fees and interest	44,328			11,877			6,929			63,134
Other revenues	2,791			1,641			382			4,814
Total revenues	227,008			38,342			7,311			272,661
Merchandise cost of goods sold	46,322			8,623			—			54,945
Jewelry scrapping cost of goods sold	29,074			2,231			—			31,305
Consumer loan bad debt expense (benefit)	10,928			(1,048		)	3,641			13,521
Net revenues	140,684			28,536			3,670			172,890
Segment expenses (income):
Operations	84,572			14,635			4,078			103,285
Depreciation	3,691			1,105			71			4,867
Amortization	147			435			26			608
Loss on sale or disposal of assets	29			—			—			29
Interest expense, net	17			2,613			—			2,630
Equity in net income of unconsolidated affiliates	—			—			(5,038		)	(5,038		)
Other (income) expense	(4		)	20			(69		)	(53		)
Segment contribution	$	52,232		$	9,728		$	4,602		$	66,562
Corporate expenses:
Administrative										13,671
Depreciation										1,693
Amortization										106
Interest expense, net										1,007
Other income										(448		)
Income from continuing operations before income taxes										50,533
Income tax expense										16,672
Income from continuing operations, net of tax										33,861
Loss from discontinued operations, net of tax										(1,706		)
Net income										32,155
Net income from continuing operations attributable to redeemable noncontrolling interest										1,438
Net income attributable to EZCORP, Inc.										$	30,717

The following tables provide geographic information required by ASC 280-10-50-41:

	Three Months Ended December 31,
	2013		2012
	(in thousands)
Revenues:
U.S.	$	217,486	$	224,035
Mexico	44,954		38,342
Canada	3,585		2,973
U.K	3,332		7,311
Total	$	269,357	$	272,661