Subsequent Events (Tables)

12 Months Ended

Sep. 30, 2011

Subsequent Events [Abstract]

Condensed Consolidating Balance Sheets

	As of September 30, 2011
	(In thousands)
				Subsidiary			Other
	Parent			Guarantors			Subsidiaries			Eliminations			Consolidated
Assets:
Current assets:
Cash and cash equivalents	$	—		$	20,860		$	3,109		$	—		$	23,969
Pawn loans		—			134,457			10,861			—			145,318
Signature loans, net		—			9,304			2,085			—			11,389
Auto title loans, net		—			3,222			—			—			3,222
Pawn service charges receivable, net		—			24,792			1,663			—			26,455
Signature loan fees receivable, net		—			5,215			133			—			5,348
Auto title loan fees receivable, net		—			1,427			—			—			1,427
Inventory, net		—			81,277			9,096			—			90,373
Deferred tax asset		12,728			5,397			—			—			18,125
Receivable from affiliates		66,450			(66,450	)		—			—			—
Income taxes receivable		—			—			—			—			—
Prepaid expenses and other assets		29			25,976			4,606			—			30,611
Total current assets		79,207			245,477			31,553			—			356,237
Investments in unconsolidated affiliates		71,958			48,361			—			—			120,319
Investments in subsidiaries		84,303			44,323			—			(128,626	)		—
Property and equipment, net		—			59,434			19,064			—			78,498
Deferred tax asset, non-current		—			—			—			—			—
Goodwill		—			163,897			9,309			—			173,206
Other assets, net		2,147			22,219			3,822			2			28,190
Total assets	$	237,615		$	583,711		$	63,748		$	(128,624	)	$	756,450
Liabilities and stockholders’ equity:
Current liabilities:
Current maturities of long-term debt	$	—		$	—		$	—		$	—		$	—
Accounts payable and other accrued expenses		13			50,871			6,516			—			57,400
Customer layaway deposits		—			5,711			465			—			6,176
Intercompany Payables		(199,190	)		178,375			20,761			54			—
Income taxes payable		9,552			(5,150	)		(3,709	)		—			693
Total current liabilities		(189,625	)		229,807			24,033			54			64,269
Long-term debt, less current maturities		17,500			—			—			—			17,500
Deferred tax liability		5,940			1,563			828			—			8,331
Deferred gains and other long-term liabilities		—			2,102			—			—			2,102
Total liabilities		(166,185	)		233,472			24,861			54			92,202
Commitments and contingencies
Stockholders’ equity:
Class A Non-voting Common Stock		461			12			—			(2	)		471
Class B Voting Common Stock		30			(1	)		1			—			30
Additional paid-in capital		221,526			98,980			50,568			(128,676	)		242,398
Retained earnings		174,860			251,418			(4,183	)		—			422,095
Accumulated other comprehensive income (loss)		6,923			(170	)		(7,499	)		—			(746	)
Total stockholders’ equity		403,800			350,239			38,887			(128,678	)		664,248
Total liabilities and stockholders’ equity	$	237,615		$	583,711		$	63,748		$	128,624		$	756,450

	As of September 30, 2010
	(In thousands)
				Subsidiary			Other
	Parent			Guarantors			Subsidiaries			Eliminations			Consolidated
Assets:
Current assets:
Cash and cash equivalents	$	—		$	23,862		$	1,992		$	—		$	25,854
Pawn loans		—			113,944			7,257			—			121,201
Signature loans, net		—			9,828			947			—			10,775
Auto title loans, net		—			3,145			—			—			3,145
Pawn service charges receivable, net		—			20,573			1,053			—			21,626
Signature loan fees receivable, net		—			5,733			85			—			5,818
Auto title loan fees receivable, net		—			1,616			—			—			1,616
Inventory, net		—			66,547			4,955			—			71,502
Deferred tax asset		18,085			4,950			173			—			23,208
Receivable from affiliates		—			—			—			—			—
Income taxes receivable		3,185			(3,185	)		—			—			—
Prepaid expenses and other assets		6			14,769			2,652			—			17,427
Total current assets		21,276			261,782			19,114			—			302,172
Investments in unconsolidated affiliates		58,259			43,127			—			—			101,386
Investments in subsidiaries		76,999			9,095			—			(86,094	)		—
Property and equipment, net		—			49,031			13,262			—			62,293
Deferred tax asset, non-current		1,161			(1,101	)		—			—			60
Goodwill		—			110,254			7,051			—			117,305
Other assets, net		217			20,938			2,041			—			23,196
Total assets	$	157,912		$	493,126		$	41,468		$	(86,094	)	$	606,412
Liabilities and stockholders’ equity:
Current liabilities:
Current maturities of long-term debt	$	10,000		$	—		$	—		$	—		$	10,000
Accounts payable and other accrued expenses		90			44,859			4,714			—			49,663
Customer layaway deposits		—			5,940			169			—			6,109
Intercompany Payables		(251,158	)		222,767			28,341			50			—
Income taxes payable		11,031			(5,147	)		(2,197	)		—			3,687
Total current liabilities		(230,037	)		268,419			31,027			50			69,459
Long-term debt, less current maturities		15,000			—			—			—			15,000
Deferred tax liability		—			—			—			—			—
Deferred gains and other long-term liabilities		—			2,525			—			—			2,525
Total liabilities		(215,037	)		270,944			31,027			50			86,984
Commitments and contingencies
Stockholders’ equity:
Class A Non-voting Common Stock		452			11			—			—			463
Class B Voting Common Stock		30			(1	)		1			—			30
Additional paid-in capital		218,087			78,091			15,340			(86,144	)		225,374
Retained earnings		156,329			145,954			(2,347	)		—			299,936
Accumulated other comprehensive income (loss)		(1,949	)		(1,873	)		(2,553	)		—			(6,375	)
Total stockholders’ equity		372,949			222,182			10,441			(86,144	)		519,428
Total liabilities and stockholders’ equity	$	157,912		$	493,126		$	41,468		$	(86,094	)	$	606,412

Condensed Consolidating Statements of Operation

	Year Ended September 30, 2011
	(In thousands)
				Subsidiary			Other
	Parent			Guarantors			Subsidiaries			Eliminations			Consolidated
Revenues:
Sales	$	—		$	452,039		$	42,523		$	—		$	494,562
Pawn service charges		—			184,234			16,901			—			201,135
Signature loan fees		—			141,545			8,705			—			150,250
Auto title loan fees		—			21,701			—			—			21,701
Other		66,450			1,042			627			(66,450	)		1,669
Total revenues		66,450			800,561			68,756			(66,450	)		869,317
Cost of goods sold		—			268,068			27,552			—			295,620
Signature loan bad debt		—			33,735			2,593			—			36,328
Auto title loan bad debt		—			2,431			—			—			2,431
Net revenues		66,450			496,327			38,611			(66,450	)		534,938
Operating expenses:
Operations		—			237,040			30,012			—			267,052
Administrative		—			70,160			5,110			—			75,270
Depreciation		—			14,326			3,163			—			17,489
Amortization		—			400			455			—			855
(Gain) loss on sale or disposal of assets		—			138			171			—			309
Total operating expenses		—			322,064			38,911			—			360,975
Operating income		66,450			174,263			(300	)		(66,450	)		173,963
Interest income		(15	)		(341	)		(2	)		321			(37	)
Interest expense		(8,436	)		10,118			329			(321	)		1,690
Equity in net income of unconsolidated affiliates		(8,945	)		(7,292	)		—			—			(16,237	)
Other		—			(168	)		4			—			(164	)
Income before income taxes		83,846			171,946			(631	)		(66,450	)		188,711
Income tax expense		65,315			66,482			1,205			(66,450	)		66,552
Net income	$	18,531		$	105,464		$	(1,836	)	$	—		$	122,159

	Year Ended September 30, 2010
	(In thousands)
				Subsidiary			Other
	Parent			Guarantors			Subsidiaries			Eliminations			Consolidated
Revenues:
Sales	$	—		$	390,243		$	21,622		$	—		$	411,865
Pawn service charges		—			154,505			9,190			—			163,695
Signature loan fees		—			137,444			1,871			—			139,315
Auto title loan fees		—			17,707			—			—			17,707
Other		53,990			455			8			(53,990	)		463
Total revenues		53,990			700,354			32,691			(53,990	)		733,045
Cost of goods sold		—			236,426			14,696			—			251,122
Signature loan bad debt		—			30,558			1,151			—			31,709
Auto title loan bad debt		—			2,735			—			—			2,735
Net revenues		53,990			430,635			16,844			(53,990	)		447,479
Operating expenses:
Operations		—			221,017			15,647			—			236,664
Administrative		—			50,170			2,570			—			52,740
Depreciation		—			12,344			1,686			—			14,030
Amortization		—			270			361			—			631
(Gain) loss on sale or disposal of assets		—			1,470			58			—			1,528
Total operating expenses		—			285,271			20,322			—			305,593
Operating income		53,990			145,364			(3,478	)		(53,990	)		141,886
Interest income		(148	)		(267	)		(3	)		232			(186	)
Interest expense		(9,028	)		10,408			237			(232	)		1,385
Equity in net income of unconsolidated affiliates		(3,928	)		(6,822	)		—			—			(10,750	)
Other		—			(92	)		(1	)		—			(93	)
Income before income taxes		67,094			142,137			(3,711	)		(53,990	)		151,530
Income tax expense		54,226			54,026			(26	)		(53,990	)		54,236
Net income	$	12,868		$	88,111		$	(3,685	)	$	—		$	97,294

	Year Ended September 30, 2009
	(In thousands)
				Subsidiary			Other
	Parent			Guarantors			Subsidiaries		Eliminations			Consolidated
Revenues:
Sales	$	—		$	319,272		$	10,651	$	—		$	329,923
Pawn service charges		—			124,396			5,773		—			130,169
Signature loan fees		—			133,342			2		—			133,344
Auto title loan fees		—			3,589			—		—			3,589
Other		36,825			431			—		(36,825	)		431
Total revenues		36,825			581,030			16,426		(36,825	)		597,456
Cost of goods sold		—			196,918			6,671		—			203,589
Signature loan bad debt		—			33,552			1		—			33,553
Auto title loan bad debt		—			380			—		—			380
Net revenues		36,825			350,180			9,754		(36,825	)		359,934
Operating expenses:
Operations		—			200,300			5,937		—			206,237
Administrative		—			39,134			1,363		—			40,497
Depreciation		—			11,541			720		—			12,261
Amortization		—			159			326		—			485
(Gain) loss on sale or disposal of assets		—			(1,029	)		5		—			(1,024	)
Total operating expenses		—			250,105			8,351		—			258,456
Operating income		36,825			100,075			1,403		(36,825	)		101,478
Interest income		—			(461	)		—		180			(281	)
Interest expense		(9,198	)		10,618			185		(180	)		1,425
Equity in net income of unconsolidated affiliates		—			(5,016	)		—		—			(5,016	)
Other		—			—			38		—			38
Income before income taxes		46,023			94,934			1,180		(36,825	)		105,312
Income tax expense		36,367			36,840			458		(36,825	)		36,840
Net income	$	9,656		$	58,094		$	722	$	—		$	68,472

Condensed Consolidated Statements of Cash Flows

	Year Ended September 30, 2011
	(In thousands)
				Subsidiary			Other
	Parent			Guarantors			Subsidiaries			Consolidated
Operating Activities:
Net income	$	18,531		$	105,462		$	(1,834	)	$	122,159
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization		—			14,726			3,618			18,344
Signature loan and auto title loan loss provisions		—			12,521			2,531			15,052
Deferred taxes		12,458			191			998			13,647
(Gain) / loss on sale or disposal of assets		—			196			113			309
Stock compensation		—			13,208			—			13,208
Income from investments in unconsolidated affiliates		(8,945	)		(7,292	)		—			(16,237	)
Changes in operating assets and liabilities, net of business acquisitions:
Service charges and fees receivable, net		—			(2,300	)		(698	)		(2,998	)
Inventory, net		—			(3,506	)		(1,916	)		(5,422	)
Prepaid expenses, other current assets, and other assets, net		(66,473	)		57,985			(4,271	)		(12,759	)
Accounts payable and accrued expenses		51,892			(74,323	)		29,312			6,881
Customer layaway deposits		—			(402	)		332			(70	)
Deferred gains and other long-term liabilities		—			(423	)		78			(345	)
Excess tax benefit from stock compensation		—			(3,230	)		—			(3,230	)
Income taxes		1,706			42			(1,846	)		(98	)
Net cash provided by (used in) operating activities		9,169			112,855			26,417			148,441
Investing Activities:
Loans made		—			(554,138	)		(98,265	)		(652,403	)
Loans repaid		—			339,574			66,020			405,594
Recovery of pawn loan principal through sale of forfeited collateral		—			183,441			22,221			205,662
Additions to property and equipment		—			(24,651	)		(10,125	)		(34,776	)
Proceeds on disposal of assets		—			—			—			—
Acquisitions, net of cash acquired		—			(62,768	)		(5,151	)		(67,919	)
Investments in unconsolidated affiliates		—			—			—			—
Dividends from unconsolidated affiliates		4,118			3,156			—			7,274
Net cash provided by (used in) investing activities		4,118			(115,386	)		(25,300	)		(136,568	)
Financing Activities:
Proceeds from exercise of stock options		397			—			—			397
Stock issuance costs related to acquisitions		—			—			—			—
Excess tax benefit from stock compensation		3,230			—			—			3,230
Debt issuance costs		(1,930	)		(467	)		—			(2,397	)
Taxes paid related to net share settlement of equity awards		(7,484	)		—			—			(7,484	)
Proceeds on revolving line of credit		—			164,500			—			164,500
Payments  on revolving line of credit		—			(147,000	)		—			(147,000	)
Proceeds from bank borrowings		2,500			(2,500	)		—			—
Payments on bank borrowings		(10,000	)		(15,004	)		—			(25,004	)
Net cash provided by (used in) financing activities		(13,287	)		(471	)		—			13,758
Net (decrease) increase in cash and cash equivalents		—			(3,002	)		1,117			(1,885	)
Cash and equivalents at beginning of period		—			23,862			1,992			25,854
Cash and equivalents at end of period	$	—		$	20,860		$	3,109		$	23,969

	Year Ended September 30, 2010
	(In thousands)
				Subsidiary			Other
	Parent			Guarantors			Subsidiaries			Consolidated
Operating Activities:
Net income	$	12,868		$	88,112		$	(3,686	)	$	97,294
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization		—			12,627			2,034			14,661
Signature loan and auto title loan loss provisions		—			10,494			1,094			11,588
Deferred taxes		(3,022	)		1,660			75			(1,287	)
(Gain) / loss on sale or disposal of assets		—			1,472			56			1,528
Stock compensation		—			4,512			—			4,512
Income from investments in unconsolidated affiliates		(3,928	)		(6,822	)		—			(10,750	)
Changes in operating assets and liabilities, net of business acquisitions:
Service charges and fees receivable, net		—			(3,742	)		(570	)		(4,312	)
Inventory, net		—			(1,773	)		(371	)		(2,144	)
Prepaid expenses, other current assets, and other assets, net		397			(3,983	)		(2,691	)		(6,277	)
Accounts payable and accrued expenses		50,659			(57,510	)		22,443			15,592
Customer layaway deposits		—			1,780			44			1,824
Deferred gains and other long-term liabilities		—			(422	)		(314	)		(736	)
Excess tax benefit from stock compensation		—			(1,861	)		—			(1,861	)
Income taxes		5,841			270			(1,018	)		5,093
Net cash provided by (used in) operating activities		62,815			44,814			17,096			124,725
Investing Activities:
Loans made		—			(504,305	)		(41,274	)		(545,579	)
Loans repaid		—			313,255			22,577			335,832
Recovery of pawn loan principal through sale of forfeited collateral		—			162,407			11,817			174,224
Additions to property and equipment		—			(16,503	)		(9,238	)		(25,741	)
Proceeds on disposal of assets		—			1,347			—			1,347
Acquisitions, net of cash acquired		—			(21,837	)		—			(21,837	)
Investments in unconsolidated affiliates		(57,772	)		(1,416	)		—			(59,188	)
Dividends from unconsolidated affiliates		1,494			2,347			—			3,841
Net cash provided by (used in) investing activities		(56,278	)		(64,705	)		(16,118	)		(137,101	)
Financing Activities:
Proceeds from exercise of stock options		1,602			—			—			1,602
Stock issuance costs related to acquisitions		—			—			—			—
Excess tax benefit from stock compensation		1,861			—			—			1,861
Debt issuance costs		—			3			—			3
Taxes paid related to net share settlement of equity awards		—			—			—			—
Proceeds on revolving line of credit		63,050			—			—			63,050
Payments on revolving line of credit		(63,050	)		—			—			(63,050	)
Proceeds from bank borrowings		—			—			—			—
Payments on bank borrowings		(10,000	)		—			—			(10,000	)
Net cash provided by (used in) financing activities		(6,537	)		3			—			(6,534	)
Net (decrease) increase in cash and cash equivalents		—			(19,888	)		978			(18,910	)
Cash and equivalents at beginning of period		—			43,750			1,014			44,764
Cash and equivalents at end of period	$	—		$	23,862		$	1,992		$	25,854

	Year Ended September 30, 2009
	(In thousands)
				Subsidiary			Other
	Parent			Guarantors			Subsidiaries			Consolidated
Operating Activities:
Net income	$	9,656		$	58,094		$	722		$	68,472
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization		—			11,700			1,046			12,746
Signature loan and auto title loan loss provisions		—			9,023			—			9,023
Deferred taxes		2,800			(87	)		(220	)		2,493
(Gain) / loss on sale or disposal of assets		—			(1,029	)		5			(1,024	)
Stock compensation		—			3,701			—			3,701
Income from investments in unconsolidated affiliates		—			(5,016	)		—			(5,016	)
Changes in operating assets and liabilities, net of business acquisitions:
Service charges and fees receivable, net		—			(1,333	)		(75	)		(1,408	)
Inventory, net		—			(493	)		(290	)		(783	)
Prepaid expenses, other current assets, and other assets, net		(6	)		(4,289	)		(472	)		(767	)
Accounts payable and accrued expenses		(55,352	)		47,116			4,587			(3,649	)
Customer layaway deposits		—			817			44			861
Deferred gains and other long-term liabilities		—			(425	)		62			(363	)
Excess tax benefit from stock compensation		—			(1,789	)		—			(1,789	)
Income taxes		1,760			1,399			(1,039	)		2,120
Net cash provided by (used in) operating activities		(41,142	)		117,389			4,370			80,617
Investing Activities:
Loans made		—			(430,423	)		(15,600	)		(446,023	)
Loans repaid		—			267,232			9,023			276,255
Recovery of pawn loan principal through sale of forfeited collateral		—			147,851			6,384			154,235
Additions to property and equipment		—			(15,492	)		(3,772	)		(19,264	)
Proceeds on disposal of assets		—			1,062			—			1,062
Acquisitions, net of cash acquired		—			(40,185	)		(737	)		(40,922	)
Investments in unconsolidated affiliates		—			—			—			—
Dividends from unconsolidated affiliates		—			1,634			—			1,634
Net cash provided by (used in) investing activities		—			(68,321	)		(4,702	)		(73,023	)
Financing Activities:
Proceeds from exercise of stock options		4,943			—			—			4,943
Stock issuance costs related to acquisitions		—			(442	)		—			(442	)
Excess tax benefit from stock compensation		1,789			—			—			1,789
Debt issuance costs		(590	)		(589	)		—			(1,179	)
Taxes paid related to net share settlement of equity awards		—			—			—			—
Net proceeds (payments) on revolving line of credit		—			—			—			—
Proceeds from bank borrowings		40,000			—			—			40,000
Payments on bank borrowings		(5,000	)		(30,385	)		—			(35,385	)
Net cash provided by (used in) financing activities		41,142			(31,416	)		—			9,726
Net (decrease) increase in cash and cash equivalents		—			17,652			(332	)		17,320
Cash and equivalents at beginning of period		—			26,098			1,346			27,444
Cash and equivalents at end of period	$	—		$	43,750		$	1,014		$	44,764