Segment Information

9 Months Ended

Jun. 30, 2016

Segment Reporting [Abstract]

SEGMENT INFORMATION

NOTE 12: SEGMENT INFORMATION

We currently report our segments as follows:

• U.S. Pawn — All pawn activities in the United States

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

• Other International — Primarily our equity interest in the net income of Cash Converters International and consumer finance activities in Canada

There are no inter-segment revenues, and the amounts below were determined in accordance with the same accounting principles used in our condensed consolidated financial statements. The following tables present operating segment information for the three and nine-months ended June 30, 2016 and 2015, including reclassifications discussed in Note 1 and adjustments to reflect reclassification of all discontinued operations including Grupo Finmart discussed in Note 2.

	Three Months Ended June 30, 2016
	U.S. Pawn			Mexico Pawn			Other International			Total Segments			Corporate Items			Consolidated
	(in thousands)
Revenues:
Merchandise sales	$	79,826		$	14,187		$	1		$	94,014		$	—		$	94,014
Jewelry scrapping sales	10,918			312			—			11,230			—			11,230
Pawn service charges	54,395			8,078			—			62,473			—			62,473
Consumer loan fees and interest	—			—			2,201			2,201			—			2,201
Other revenues	39			157			36			232			—			232
Total revenues	145,178			22,734			2,238			170,150			—			170,150
Merchandise cost of goods sold	50,586			9,554			—			60,140			—			60,140
Jewelry scrapping cost of goods sold	8,845			265			—			9,110			—			9,110
Consumer loan bad debt	—			—			506			506			—			506
Net revenues	85,747			12,915			1,732			100,394			—			100,394
Segment and corporate expenses (income):
Operations	62,733			8,744			1,695			73,172			—			73,172
Administrative	—			—			—			—			14,481			14,481
Depreciation and amortization	2,888			720			56			3,664			2,610			6,274
(Gain) loss on sale or disposal of assets	(51		)	(13		)	—			(64		)	23			(41		)
Interest expense	—			25			—			25			3,911			3,936
Interest income	(1		)	(23		)	—			(24		)	(26		)	(50		)
Equity in net income of unconsolidated affiliate	—			—			(1,694		)	(1,694		)	—			(1,694		)
Other expense (income)	—			759			—			759			(259		)	500
Segment contribution	$	20,178		$	2,703		$	1,675		$	24,556
Income from continuing operations before income taxes										$	24,556		$	(20,740	)	$	3,816

	Three Months Ended June 30, 2015
	U.S. Pawn			Mexico Pawn			Other International			Total Segments			Corporate Items			Consolidated
	(in thousands)
Revenues:
Merchandise sales	$	77,126		$	15,447		$	564		$	93,137		$	—		$	93,137
Jewelry scrapping sales	9,614			886			88			10,588			—			10,588
Pawn service charges	49,609			7,990			—			57,599			—			57,599
Consumer loan fees and interest	—			—			2,708			2,708			—			2,708
Other revenues	162			274			151			587			—			587
Total revenues	136,511			24,597			3,511			164,619			—			164,619
Merchandise cost of goods sold	50,083			11,027			350			61,460			—			61,460
Jewelry scrapping cost of goods sold	7,648			867			65			8,580			—			8,580
Consumer loan bad debt	—			—			771			771			—			771
Net revenues	78,780			12,703			2,325			93,808			—			93,808
Segment and corporate expenses (income):
Operations	58,902			10,801			1,752			71,455			—			71,455
Administrative	—			—			—			—			16,860			16,860
Depreciation and amortization	3,707			1,097			160			4,964			2,573			7,537
Loss (gain) on sale or disposal of assets	60			7			(1		)	66			16			82
Restructuring	—			—			—			—			37			37
Interest expense	3			7			—			10			3,773			3,783
Interest income	(10		)	(30		)	—			(40		)	(44		)	(84		)
Equity in net income of unconsolidated affiliate	—			—			(1,822		)	(1,822		)	—			(1,822		)
Other (income) expense	12			352			(10		)	354			(576		)	(222		)
Segment contribution	$	16,106		$	469		$	2,246		$	18,821
Loss from continuing operations before income taxes										$	18,821		$	(22,639	)	$	(3,818	)

	Nine Months Ended June 30, 2016
	U.S. Pawn				Mexico Pawn			Other International			Total Segments			Corporate Items			Consolidated
	(in thousands)
Revenues:
Merchandise sales	$	266,560			$	45,376		$	5		$	311,941		$	—		$	311,941
Jewelry scrapping sales	32,117				1,493			21			33,631			—			33,631
Pawn service charges	169,630				23,567			—			193,197			—			193,197
Consumer loan fees and interest	—				—			6,603			6,603			—			6,603
Other revenues	281			—	231			36			548			—			548
Total revenues	468,588				70,667			6,665			545,920			—			545,920
Merchandise cost of goods sold	164,288				30,442			1			194,731			—			194,731
Jewelry scrapping cost of goods sold	27,033				1,222			16			28,271			—			28,271
Consumer loan bad debt	—				—			1,549			1,549			—			1,549
Net revenues	277,267				39,003			5,099			321,369			—			321,369
Segment and corporate expenses (income):
Operations	187,518				28,961			4,967			221,446			—			221,446
Administrative	—				—			—			—			50,085			50,085
Depreciation and amortization	9,489				2,285			163			11,937			8,485			20,422
Loss on sale or disposal of assets	502				116			—			618			23			641
Restructuring	982				543			202			1,727			183			1,910
Interest expense	125				103			—			228			11,786			12,014
Interest income	(2		)		(23		)	—			(25		)	(41		)	(66		)
Equity in net income of unconsolidated affiliate	—				—			(5,626		)	(5,626		)	—			(5,626		)
Other expense	—				808			3			811			4			815
Segment contribution	$	78,653			$	6,210		$	5,390		$	90,253
Income from continuing operations before income taxes											$	90,253		$	(70,525	)	$	19,728

	Nine Months Ended June 30, 2015
	U.S. Pawn			Mexico Pawn			Other International			Total Segments			Corporate Items			Consolidated
	(in thousands)
Revenues:
Merchandise sales	$	259,040		$	49,910		$	1,678		$	310,628		$	—		$	310,628
Jewelry scrapping sales	44,012			3,210			299			47,521			—			47,521
Pawn service charges	158,961			23,035			—			181,996			—			181,996
Consumer loan fees and interest	—			—			7,517			7,517			—			7,517
Other revenues	570			783			694			2,047			—			2,047
Total revenues	462,583			76,938			10,188			549,709			—			549,709
Merchandise cost of goods sold	170,190			35,191			1,049			206,430			—			206,430
Jewelry scrapping cost of goods sold	34,444			2,948			217			37,609			—			37,609
Consumer loan bad debt	—			—			2,197			2,197			—			2,197
Net revenues	257,949			38,799			6,725			303,473			—			303,473
Segment and corporate expenses (income):
Operations	176,329			31,727			5,279			213,335			—			213,335
Administrative	—			—			—			—			44,212			44,212
Depreciation and amortization	10,766			3,442			513			14,721			7,727			22,448
Loss (gain) on sale or disposal of assets	77			264			(1		)	340			385			725
Restructuring	—			—			—			—			763			763
Interest expense	16			9			—			25			12,431			12,456
Interest income	(41		)	(54		)	—			(95		)	(128		)	(223		)
Equity in net income of unconsolidated affiliate	—			—			(338		)	(338		)	—			(338		)
Other expense (income)	12			1,072			—			1,084			(131		)	953
Segment contribution	$	70,790		$	2,339		$	1,272		$	74,401
Income from continuing operations before income taxes										$	74,401		$	(65,259	)	$	9,142