0000876523-22-000043 | 10-Q | XBRL Viewer

Print Document View Excel Document

Cover Page - shares	6 Months Ended
Cover Page - shares	Mar. 31, 2022	Apr. 30, 2022
Document Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2022
Document Transition Report	false
Entity File Number	0-19424
Entity Registrant Name	EZCORP, INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	74-2540145
Entity Address, Address Line One	2500 Bee Cave Road
Entity Address, Address Line Two	Bldg One
Entity Address, Address Line Three	Suite 200
Entity Address, City or Town	Rollingwood
Entity Address, State or Province	TX
Entity Address, Postal Zip Code	78746
City Area Code	512
Local Phone Number	314-3400
Title of 12(b) Security	Class A Non-voting Common Stock, par value $.01 per share
Trading Symbol	EZPW
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Amendment Flag	false
Entity Central Index Key	0000876523
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q2
Current Fiscal Year End Date	--09-30
Common Stock Class A Non-voting
Document Information [Line Items]
Entity Common Stock, Shares Outstanding		53,685,333
Common Stock Class B Voting
Document Information [Line Items]
Entity Common Stock, Shares Outstanding		2,970,171
No Trading Symbol Class B

Condensed Consolidated Balance Sheets - USD ($)	Mar. 31, 2022	Sep. 30, 2021	Mar. 31, 2021
Current assets:
Cash and cash equivalents	$ 254,964,000	$ 253,667,000	$ 335,638,000
Restricted cash	8,713,000	9,957,000	8,006,000
Pawn loans	173,618,000	175,901,000	125,268,000
Pawn service charges receivable, net	28,319,000	29,337,000	20,842,000
Inventory, net	119,890,000	110,989,000	86,214,000
Prepaid expenses and other current assets	27,267,000	31,010,000	30,676,000
Total current assets	612,771,000	610,861,000	606,644,000
Investments in unconsolidated affiliates	42,002,000	37,724,000	34,961,000
Other investments	18,000,000	0	0
Property and equipment, net	50,874,000	53,811,000	51,836,000
Right-of-use asset, net	204,343,000	200,990,000	170,479,000
Goodwill	286,214,000	285,758,000	258,199,000
Intangible assets, net	62,145,000	62,104,000	58,125,000
Notes receivable, net	1,198,000	1,181,000	1,164,000
Deferred tax asset, net	15,908,000	9,746,000	9,693,000
Other assets	6,541,000	4,736,000	5,152,000
Total assets	1,299,996,000	1,266,911,000	1,196,253,000
Current liabilities:
Accounts payable, accrued expenses and other current liabilities	69,695,000	90,268,000	69,019,000
Customer layaway deposits	15,046,000	12,557,000	11,401,000
Lease liability	52,446,000	52,263,000	41,060,000
Total current liabilities	137,187,000	155,088,000	121,480,000
Long-term debt, net	312,168,000	264,186,000	257,143,000
Deferred tax liability, net	179,000	3,684,000	167,000
Lease liability	163,506,000	161,330,000	138,622,000
Other long-term liabilities	11,940,000	10,385,000	9,597,000
Total liabilities	624,980,000	594,673,000	527,009,000
Commitments and Contingencies (Note 10)
Stockholders’ equity:
Additional paid-in capital	341,913,000	403,312,000	399,439,000
Retained earnings	384,246,000	326,781,000	327,798,000
Accumulated other comprehensive loss	(51,710,000)	(58,415,000)	(58,551,000)
Total stockholders' equity	675,016,000	672,238,000	669,244,000
Total liabilities and stockholders' equity	1,299,996,000	1,266,911,000	1,196,253,000
Common Stock Class A Non-voting
Stockholders’ equity:
Common stock	537,000	530,000	528,000
Common Stock Class B Voting
Stockholders’ equity:
Common stock	$ 30,000	$ 30,000	$ 30,000

Condensed Consolidated Balance Sheets (Parenthetical) - $ / shares	Mar. 31, 2022	Sep. 30, 2021	Mar. 31, 2021
Common Stock Class A Non-voting
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	100,000,000	100,000,000	100,000,000
Common stock, shares issued (in shares)	53,685,333	53,086,438	52,873,568
Common stock, shares outstanding (in shares)	53,685,333	53,086,438	52,873,568
Common Stock Class B Voting
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	3,000,000	3,000,000	3,000,000
Common stock, shares issued (in shares)	2,970,171	2,970,171	2,970,171
Common stock, shares outstanding (in shares)	2,970,171	2,970,171	2,970,171

Condensed Consolidated Statements of Operations (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Revenues:
Total revenues	$ 215,982	$ 184,939	$ 436,976	$ 363,074
Net revenues	128,928	113,748	261,039	222,138
Operating expenses:
Store expenses	85,743	81,149	172,514	160,458
General and administrative	12,227	13,771	27,772	26,281
Depreciation and amortization	7,450	8,089	15,024	15,661
(Gain) loss on sale or disposal of assets and other	(697)	112	(692)	90
Total operating expenses	104,723	103,121	214,618	202,490
Operating income	24,205	10,627	46,421	19,648
Interest expense	2,527	5,518	4,958	10,973
Interest income	(255)	(585)	(559)	(1,406)
Equity in net loss (income) of unconsolidated affiliates	1,439	(1,250)	301	(1,766)
Other expense (income)	371	145	251	(454)
Income before income taxes	20,123	6,799	41,470	12,301
Income tax expense	5,236	1,469	10,862	2,672
Net income	$ 14,887	$ 5,330	$ 30,608	$ 9,629
Basic earnings per share (in dollars per share)	$ 0.26	$ 0.10	$ 0.54	$ 0.17
Diluted earnings per share (in dollars per share)	$ 0.20	$ 0.10	$ 0.42	$ 0.17
Weighted-average basic shares outstanding (in shares)	56,561	55,661	56,370	55,509
Weighted-average diluted shares outstanding (in shares)	82,407	55,665	82,270	55,511
Merchandise sales
Revenues:
Total revenues	$ 133,556	$ 115,225	$ 271,276	$ 223,008
Cost of revenues	82,246	65,790	165,357	130,333
Jewelry scrapping sales
Revenues:
Total revenues	5,690	6,075	12,634	12,834
Cost of revenues	4,808	5,401	10,580	10,603
Pawn service charges
Revenues:
Total revenues	76,683	63,436	152,708	126,925
Other revenues, net
Revenues:
Total revenues	$ 53	$ 203	$ 358	307
Cost of revenues				$ 0

Condensed Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Statement of Comprehensive Income [Abstract]
Net income	$ 14,887	$ 5,330	$ 30,608	$ 9,629
Other comprehensive income:
Foreign currency translation adjustment, net of tax	3,666	(1,760)	6,705	9,517
Comprehensive income	$ 18,553	$ 3,570	$ 37,313	$ 19,146

- Definition

Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income. Excludes changes in equity resulting from investments by owners and distributions to owners.

+ References + Details

- Definition

The consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(g)(1)(ii))
-URI http://asc.fasb.org/extlink&oid=120395691&loc=d3e23780-122690

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 1A
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=124509347&loc=SL7669619-108580

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 810
-SubTopic 10
-Section 50
-Paragraph 1A
-Subparagraph (a)(1)
-URI http://asc.fasb.org/extlink&oid=109239629&loc=SL4573702-111684

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 250
-SubTopic 10
-Section 50
-Paragraph 9
-URI http://asc.fasb.org/extlink&oid=124431687&loc=d3e22663-107794

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 10
-Section S99
-Paragraph 1A
-Subparagraph (SX 210.13-01(a)(4)(i))
-URI http://asc.fasb.org/extlink&oid=124359900&loc=SL124442526-122756

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 10
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(4)(i))
-URI http://asc.fasb.org/extlink&oid=124359900&loc=SL124442552-122756

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 22
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8736-108599

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 32
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8933-108599

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 40
-Section 65
-Paragraph 1
-Subparagraph (f)
-URI http://asc.fasb.org/extlink&oid=123482062&loc=SL123482106-238011

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 10
-Section S99
-Paragraph 1A
-Subparagraph (SX 210.13-01(a)(5))
-URI http://asc.fasb.org/extlink&oid=124359900&loc=SL124442526-122756

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 10
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(4)(iv))
-URI http://asc.fasb.org/extlink&oid=124359900&loc=SL124442552-122756

Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=124431353&loc=SL124452729-227067

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 30
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8906-108599

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=123570139&loc=d3e3000-108585

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 810
-SubTopic 10
-Section 45
-Paragraph 19
-URI http://asc.fasb.org/extlink&oid=123454820&loc=SL4569616-111683

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 323
-SubTopic 10
-Section 50
-Paragraph 3
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=114001798&loc=d3e33918-111571

Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 32
-Subparagraph (f)
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8933-108599

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 10
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(4)(iii)(A))
-URI http://asc.fasb.org/extlink&oid=124359900&loc=SL124442552-122756

Reference 19: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 205
-SubTopic 20
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=109222650&loc=SL51721683-107760

Reference 20: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 250
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (b)(2)
-URI http://asc.fasb.org/extlink&oid=124431687&loc=d3e22499-107794

Reference 21: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 28
-Subparagraph (f)
-URI http://asc.fasb.org/extlink&oid=123596393&loc=d3e14064-108612

Reference 22: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 235
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-05(b)(2))
-URI http://asc.fasb.org/extlink&oid=120399901&loc=d3e537907-122884

Reference 23: http://www.xbrl.org/2003/role/exampleRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 31
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8924-108599

Reference 24: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 1B
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=124509347&loc=SL7669625-108580

Reference 25: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 10
-Section S99
-Paragraph 1A
-Subparagraph (SX 210.13-01(a)(4)(iv))
-URI http://asc.fasb.org/extlink&oid=124359900&loc=SL124442526-122756

Reference 26: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 10
-Section S99
-Paragraph 1A
-Subparagraph (SX 210.13-01(a)(4)(iii)(A))
-URI http://asc.fasb.org/extlink&oid=124359900&loc=SL124442526-122756

Reference 27: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 10
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(5))
-URI http://asc.fasb.org/extlink&oid=124359900&loc=SL124442552-122756

Reference 28: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 10
-Section S99
-Paragraph 1B
-Subparagraph (SX 210.13-02(a)(4)(iii)(B))
-URI http://asc.fasb.org/extlink&oid=124359900&loc=SL124442552-122756

Reference 29: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 10
-Section S99
-Paragraph 1A
-Subparagraph (SX 210.13-01(a)(4)(ii))
-URI http://asc.fasb.org/extlink&oid=124359900&loc=SL124442526-122756

Reference 30: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 810
-SubTopic 10
-Section 50
-Paragraph 1A
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=109239629&loc=SL4573702-111684

Reference 31: http://www.xbrl.org/2003/role/exampleRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 810
-SubTopic 10
-Section 55
-Paragraph 4J
-URI http://asc.fasb.org/extlink&oid=120409616&loc=SL4591551-111686

Reference 32: http://www.xbrl.org/2003/role/exampleRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 810
-SubTopic 10
-Section 55
-Paragraph 4K
-URI http://asc.fasb.org/extlink&oid=120409616&loc=SL4591552-111686

Reference 33: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 250
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=124431687&loc=d3e22658-107794

+ Details

Condensed Consolidated Statements of Stockholders' Equity - USD ($) shares in Thousands, $ in Thousands	Total	Cumulative Effect, Period of Adoption, Adjustment	Common Stock	Additional Paid-in Capital	Additional Paid-in Capital Cumulative Effect, Period of Adoption, Adjustment	Retained Earnings	Retained Earnings Cumulative Effect, Period of Adoption, Adjustment	Accumulated Other Comprehensive Loss
Beginning Balance (in shares) at Sep. 30, 2020			55,303
Beginning Balance at Sep. 30, 2020	$ 649,127		$ 551	$ 398,475		$ 318,169		$ (68,068)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	524			524
Release of restricted stock (in shares)			296
Release of restricted stock	5		$ 5
Taxes paid related to net share settlement of equity awards	(730)			(730)
Foreign currency translation gain (loss)	11,277							11,277
Net income	4,299					4,299
Ending Balance (in shares) at Dec. 31, 2020			55,599
Ending Balance at Dec. 31, 2020	664,502		$ 556	398,269		322,468		(56,791)
Beginning Balance (in shares) at Sep. 30, 2020			55,303
Beginning Balance at Sep. 30, 2020	649,127		$ 551	398,475		318,169		(68,068)
Ending Balance (in shares) at Sep. 30, 2021			56,057
Ending Balance at Sep. 30, 2021	$ 672,238	$ (37,406)	$ 560	403,312	$ (64,263)	326,781	$ 26,857	(58,415)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Accounting Standards Update [Extensible Enumeration]	Accounting Standards Update 2020-06
Beginning Balance (in shares) at Dec. 31, 2020			55,599
Beginning Balance at Dec. 31, 2020	$ 664,502		$ 556	398,269		322,468		(56,791)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	1,094			1,094
Transfer of consideration for prior period acquisition (in shares)			33
Transfer of consideration for prior period acquisition	185			185
Release of restricted stock (in shares)			212
Release of restricted stock	2		$ 2
Taxes paid related to net share settlement of equity awards	(109)			(109)
Foreign currency translation gain (loss)	(1,760)							(1,760)
Net income	5,330					5,330
Ending Balance (in shares) at Mar. 31, 2021			55,844
Ending Balance at Mar. 31, 2021	669,244		$ 558	399,439		327,798		(58,551)
Beginning Balance (in shares) at Sep. 30, 2021			56,057
Beginning Balance at Sep. 30, 2021	672,238	(37,406)	$ 560	403,312	(64,263)	326,781	26,857	(58,415)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	1,698			1,698
Release of restricted stock (in shares)			257
Release of restricted stock	3		$ 3
Taxes paid related to net share settlement of equity awards	(792)			(792)
Foreign currency translation gain (loss)	3,039							3,039
Net income	15,721					15,721
Ending Balance (in shares) at Dec. 31, 2021			56,314
Ending Balance at Dec. 31, 2021	654,501		$ 563	339,955		369,359		(55,376)
Beginning Balance (in shares) at Sep. 30, 2021			56,057
Beginning Balance at Sep. 30, 2021	672,238	$ (37,406)	$ 560	403,312	$ (64,263)	326,781	$ 26,857	(58,415)
Ending Balance (in shares) at Mar. 31, 2022			56,656
Ending Balance at Mar. 31, 2022	675,016		$ 567	341,913		384,246		(51,710)
Beginning Balance (in shares) at Dec. 31, 2021			56,314
Beginning Balance at Dec. 31, 2021	654,501		$ 563	339,955		369,359		(55,376)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	460			460
Transfer of consideration for other investment (in shares)			213
Transfer of consideration for other investment	1,500		$ 2	1,498
Release of restricted stock (in shares)			129
Release of restricted stock	2		$ 2
Foreign currency translation gain (loss)	3,666							3,666
Net income	14,887					14,887
Ending Balance (in shares) at Mar. 31, 2022			56,656
Ending Balance at Mar. 31, 2022	$ 675,016		$ 567	$ 341,913		$ 384,246		$ (51,710)

Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Operating activities:
Net income	$ 30,608	$ 9,629
Adjustments to reconcile net income to net cash flows from operating activities:
Depreciation and amortization	15,024	15,661
Amortization of debt discount and deferred financing costs	698	6,754
Amortization of lease right-of-use asset	25,746	23,835
Deferred income taxes	212	(1,119)
Other adjustments	(708)	(250)
Provision for inventory reserve	(1,780)	(5,265)
Stock compensation expense	2,158	1,618
Equity in net loss (income) of unconsolidated affiliates	301	(1,766)
Changes in operating assets and liabilities:
Service charges and fees receivable	687	(106)
Inventory	(2,779)	6,481
Prepaid expenses, other current assets and other assets	88	3,874
Accounts payable, accrued expenses and other liabilities	(50,258)	(43,436)
Customer layaway deposits	2,342	238
Income taxes	6,576	2,573
Dividends from unconsolidated affiliates	1,660	0
Net cash provided by operating activities	30,575	18,721
Investing activities:
Loans made	(329,459)	(269,468)
Loans repaid	199,836	177,888
Recovery of pawn loan principal through sale of forfeited collateral	129,311	109,019
Capital expenditures, net	(10,498)	(8,359)
Issuance of note receivable	(1,000)	0
Investment in unconsolidated affiliates	(3,577)	0
Investment in other investments	(16,500)	0
Net cash (used in) provided by investing activities	(31,887)	9,080
Financing activities:
Taxes paid related to net share settlement of equity awards	(792)	(839)
Payments on assumed debt and other borrowings	0	(871)
Net cash used in financing activities	(792)	(1,710)
Effect of exchange rate changes on cash and cash equivalents and restricted cash	2,157	5,000
Net increase in cash, cash equivalents and restricted cash	53	31,091
Cash, cash equivalents and restricted cash at beginning of period	263,624	312,553
Cash, cash equivalents and restricted cash at end of period	263,677	343,644
Supplemental disclosure of cash flow information
Cash and cash equivalents	254,964	335,638
Restricted cash	8,713	8,006
Total cash and cash equivalents and restricted cash	263,677	343,644
Non-cash investing and financing activities:
Pawn loans forfeited and transferred to inventory	134,562	99,285
Inventory, net	$ 1,500	$ 0

Organization and Summary of Significant Accounting Policies

6 Months Ended

Mar. 31, 2022

Accounting Policies [Abstract]

Organization and Summary of Significant Accounting Policies

NOTE 1: ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Description of Business

EZCORP, Inc. (collectively with its subsidiaries, the “Company,” “we,” “us,” or “our”) is a leading provider of pawn loans in the United States ("U.S.") and Latin America. Pawn loans are non-recourse loans collateralized by tangible property. We also sell merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers.

Basis of Presentation

The accompanying interim unaudited condensed consolidated financial statements (“Condensed Consolidated Financial Statements”) have been prepared in accordance with U.S. generally accepted accounting principles (“U.S. GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10-01 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by U.S. GAAP for complete financial statements.

These Condensed Consolidated Financial Statements should be read in conjunction with the audited consolidated financial statements and related notes contained in our Annual Report on Form 10-K for the year ended September 30, 2021, filed with the Securities and Exchange Commission ("SEC") on November 17, 2021 (“2021 Annual Report”).

In the opinion of management, the accompanying Condensed Consolidated Financial Statements include all adjustments, consisting of normal recurring adjustments, considered necessary for a fair presentation. Financial results for the three and six-month period ended March 31, 2022, are not necessarily indicative of results that may be expected for the fiscal year ending September 30, 2022.

Our business is subject to seasonal variations, and operating results for the three and six months ended March 31, 2022 and 2021 (the "current quarter" and "prior-year quarter," respectively) are not necessarily indicative of the results of operations for the full fiscal year. There have been no changes that have had a material impact in significant accounting policies as described in our Annual Report on Form 10-K for the year ended September 30, 2021 except for as disclosed below related to the adoption of Accounting Standards Update ("ASU") 2020-06.

Principles of Consolidation

The accompanying Condensed Consolidated Financial Statements include the accounts of EZCORP, Inc. and its wholly-owned subsidiaries. We use the equity method of accounting for entities in which we have a 50% or less investment and exercise significant influence. We account for equity investments for which we do not have significant influence and without readily determinable fair values at cost with adjustments for observable changes in price in orderly transactions for identical or similar investments of the same issuer or impairments. All inter-company accounts and transactions have been eliminated in consolidation.

Use of Estimates

The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Such estimates and assumptions include the determination of inventory reserves, expected credit losses, useful lives of long-lived and intangible assets, valuation of share-based compensation, valuation of equity investments, valuation of deferred tax assets and liabilities, loss contingencies related to litigation and discount rates used for operating leases. Actual results may result in actual amounts differing from reported amounts.

Impact of COVID-19

The COVID-19 pandemic continues to affect the U.S. and global economies, as disclosed in our 2021 Annual Report on Form 10-K. The full extent and duration of the COVID-19 impact on the global economy generally, and on our business specifically, is currently unknown. The impact of the pandemic, and the recovery therefrom, continued to adversely affect net revenues and earnings into fiscal 2021. During the latter part of fiscal 2021, we saw pawn transaction activity continue to rebuild, driving pawn loans outstanding ("PLO") balances closer to pre-pandemic levels, which will drive accelerating pawn service charges ("PSC") revenue in the coming quarters given the natural lag between pawn originations and related fees. We continue to assess what type of impact various COVID-19 variants may have to our business net revenues and operating expenses in fiscal year 2022. A prolonged pandemic and recovery may have an adverse effect on our results of operations, financial position and cash flows. Our estimates, judgments and assumptions related to COVID-19 could ultimately differ over time.

Recently Adopted Accounting Policies

In August 2020, the Financial Accounting Standards Board ("FASB") issued its ASU 2020-06, Debt – Debt with Conversion and Other Options (Subtopic 470-20) and Derivatives and Hedging – Contracts in Entity’s Own Equity (Subtopic 815 – 40), (“ASU 2020-06”). ASU 2020-06 simplifies the accounting for certain financial instruments with characteristics of liabilities and equity, including convertible instruments and contracts on an entity’s own equity. Additionally, ASU 2020-06 eliminates beneficial conversion feature and cash conversion models resulting in more convertible instruments being accounted for as a single unit. The ASU 2020-06 amendments are effective for fiscal years beginning after December 15, 2021, and interim periods within those fiscal years. Early adoption is permitted, but no earlier than fiscal years beginning after December 15, 2020, including interim periods within those fiscal years. We early adopted this standard on October 1, 2021 under the modified retrospective basis.

Impact of the Adoption of ASU 2020-06

On October 1, 2021, we early adopted ASU 2020-06 on a modified retrospective basis. Under ASU 2020-06, we no longer separate the convertible senior notes into liability and equity components. We recognized the cumulative effect of initially applying this new standard as of October 1, 2021. We recognized a cumulative effect of initially applying the ASU as an adjustment to the October 1, 2021 opening balance of retained earnings. The conversion option that was previously accounted for in equity under the cash conversion model was recombined into the convertible debt outstanding, and as a result, additional paid in capital and the related unamortized debt discount on the convertible senior notes were reduced. The removal of the remaining debt discounts recorded for this previous separation has the effect of increasing our net debt balance. The prior period consolidated financial statements have not been retrospectively adjusted and continue to be reported under the accounting standards in effect for those periods.


(in thousands)	As Reported September 30, 2021		Adjustments		Under ASU 2020-06 October 1, 2021
Principal	$	316,250	$	—	$	316,250
Unamortized debt discount	(48,785)		48,785		—
Deferred financing costs, net	(3,279)		(1,500)		(4,779)
Net carrying amount	264,186		47,285		311,471

Deferred tax asset	9,746		5,839		15,585
Deferred tax liability	3,684		(4,040)		(356)

Additional paid-in capital	403,312		(64,263)		339,049
Retained earnings	326,781		26,857		353,638

The impact of adoption on our condensed consolidated statements of operations for the three and six months ended March 31, 2022 was primarily to decrease interest expense by $3.4 million and $6.8 million, respectively. This had the effect of increasing our basic earnings per share for the three and six months ended March 31, 2022 by $0.05 and $0.09, and decreasing our diluted earnings per common share for the three and six months ended March 31, 2022 by $0.01 and $0.03, respectively. Additionally, adoption of the standard requires interest charges on the convertible debt to be added to net income as well as the use of the “if-converted” method to calculate diluted earnings per common share. Refer to Note 4: Earnings Per Share for a discussion of the effect of the convertible notes on diluted earnings per common share.

Recently Issued Accounting Pronouncements

We reviewed all recently issued accounting pronouncements and concluded that they were either not applicable or not expected to have a material impact on our Condensed Consolidated Financial Statements.

Acquisitions

6 Months Ended

Mar. 31, 2022

Business Combination and Asset Acquisition [Abstract]

Acquisitions

NOTE 2: ACQUISITIONS

On June 8, 2021, we completed the acquisition of 100% of the common shares of PLO del Bajio S. de R.L. de C.V. (“Bajio”) and gained control of the entity, further expanding our geographic footprint within Mexico with the addition of 128 pawn stores. These stores operate under the name "Cash Apoyo Efectivo" and are located principally in the Mexico City metropolitan area.

At the time of acquisition, the total consideration for Bajio was $23.6 million, consisting of $17.4 million of cash, and 212,870 shares of our Class A Non-Voting Common Stock valued at $1.6 million. In addition, the sellers are entitled to additional payments of up to $4.6 million to be paid in two payments over the next two years, contingent on the growth of the loan portfolios of the acquired stores. Up to 50% of any

future contingent payments can be made in shares of our Class A Non-Voting Common Stock at our discretion. The value of the contingent consideration was included in the total consideration as the metrics were considered achievable on the date of acquisition. Cash paid at closing was $11.6 million and an additional $3.8 million was paid during the fourth quarter of 2021.

During the first quarter of 2022, both parties completed the formal working capital reconciliation stipulated within the purchase agreement. As part of the working capital reconciliation, the Company and the seller agreed to reduce the purchase price, which was held in restricted cash as of September 30, 2021, by $1.3 million. As the working capital adjustment was recorded as of September 30, 2021, this reduction to the purchase price is a measurement period adjustment, and resulted in a $1.3 million reduction to goodwill during the period ended December 31, 2021. This reduced the total consideration for Bajio to $22.3 million. As the future payments decreased, we released $1.3 million of the previously held $2.0 million in restricted cash to our unrestricted cash. Of the remaining $0.7 million in restricted cash, $0.3 million is expected to be paid prior to June 30, 2022, and $0.4 million is expected to be paid on or around the fifth anniversary of the date of acquisition. During the second quarter of 2022, we obtained new information about the seller's calculation of pawn service charges receivable balance as of the date of acquisition, which resulted in a $0.6 million measurement period adjustment to reduce pawn service charges receivable and increase goodwill.

The assets acquired and liabilities assumed are based upon the estimated fair values at the date of acquisition. The excess purchase price over the estimated fair market value of the new assets acquired has been recorded as goodwill.

The purchase price allocation is as follows, in thousands:


Cash and cash equivalents	$	308
Pawn loans	4,619
Pawn service charges receivable	691
Inventory	1,319
Property and equipment	2,025
Right-of-use assets	10,651
Goodwill	25,422
Intangible assets	3,965
Deferred tax asset, net	381
Other assets	746
Accounts payable, accrued expenses and other liabilities	(2,290)
Debt	(14,931)
Lease liabilities	(10,651)
Total consideration	$	22,255

Intangible assets acquired consist of indefinite-lived trade names.

Goodwill

6 Months Ended

Mar. 31, 2022

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill

NOTE 3: GOODWILL

The following table summarizes the changes in the carrying amount of goodwill by segment and in total:


	Six Months Ended March 31, 2022
(in thousands)	U.S. Pawn		Latin America Pawn		Consolidated

Balances as of September 30, 2021	$	244,471	$	41,287	$	285,758

Measurement period adjustments	—		(678)		(678)

Effect of foreign currency translation changes	—		1,134		1,134
Balances as of March 31, 2022	$	244,471	$	41,743	$	286,214


	Six Months Ended March 31, 2021
(in thousands)	U.S. Pawn		Latin America Pawn		Consolidated

Balances as of September 30, 2020	$	241,928	$	15,654	$	257,582
Effect of foreign currency translation changes	—		617		617


Balances as of March 31, 2021	$	241,928	$	16,271	$	258,199

Earnings per Share

6 Months Ended

Mar. 31, 2022

Earnings Per Share [Abstract]

Earnings per Share

NOTE 4: EARNINGS PER SHARE

The following table reconciles the number of common shares used to compute basic and diluted earnings per share attributable to EZCORP Inc., shareholders:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands, except per share amounts)	2022		2021		2022		2021

Basic earnings per common share:
Net income - basic	$	14,887	$	5,330	$	30,608	$	9,629
Weighted shares outstanding - basic	56,561		55,661		56,370		55,509
Basic earnings per common share	$	0.26	$	0.10	$	0.54	$	0.17

Diluted earnings per common share:
Net income - basic	$	14,887	$	5,330	$	30,608	$	9,629
Add: Convertible Notes interest expense, net of tax	1,846		—		3,730		—
Net income - diluted	$	16,733	$	5,330	$	34,338	$	9,629
Weighted shares outstanding - basic	56,561		55,661		56,370		55,509
Effect of dilution from equity-based compensation awards*	622		4		676		2
Effect of dilution from if-converted Convertible Notes**	25,224		—		25,224		—
Weighted shares outstanding - diluted	82,407		55,665		82,270		55,511
Diluted earnings per common share	$	0.20	$	0.10	$	0.42	$	0.17

Potential common shares excluded from the calculation of diluted earnings per share above:
Restricted stock***	1,756		964		1,847		831

* Includes time-based share-based awards and performance based awards for which targets for fiscal year tranches have been achieved and vesting is subject only to achievement of service conditions.

** See Note 8: Debt for conversion price and initial conversion rate of the 2024 Convertible Notes and 2025 Convertible Notes.

*** Includes antidilutive share-based awards as well as performance-based share-based awards that are contingently issuable, but for which the condition for issuance has not been met as of the end of the reporting period.

As a result of our adoption of ASU 2020-06 on October 1, 2021, the dilutive impact of the Convertible Notes for our calculation of diluted net income per share is considered using the if-converted method. During the three months and six months ended March 31, 2022, we increased net income by $1.8 million and $3.7 million respectively to arrive at the numerator used to calculate diluted earnings per common share, which represents interest expense recognized on the convertible notes that were subject to this change in methodology. For periods prior to our October 1, 2021 adoption of ASU 2020-06, we applied the treasury stock method to account for the dilutive impact of the 2024 and 2025 Convertible Notes for diluted earnings per share purposes

Leases

6 Months Ended

Mar. 31, 2022

Leases [Abstract]

Leases

NOTE 5: LEASES

We determine if a contract contains a lease at inception. Our lease portfolio consists primarily of operating leases for pawn store locations and corporate offices with lease terms ranging from three to ten years.

The information below provides a summary of our leasing activities. See Note 12: Leases in our 2021 Annual Report for additional information about our leasing activities. The table below presents balances of our operating leases:


(in thousands)	March 31, 2022		March 31, 2021		September 30, 2021

Right-of-use asset	$	204,343	$	170,479	$	200,990



Lease liability, current	$	52,446	$	41,060	$	52,263
Lease liability, non-current	163,506		138,622		161,330
Total lease liability	$	215,952	$	179,682	$	213,593

The table below provides the composition of our lease costs:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands)	2022		2021		2022		2021

Operating lease expense*	$	16,789	$	14,616	$	33,151	$	29,815
Variable lease expense	3,834		2,064		7,376		4,243

Total lease expense	$	20,623	$	16,680	$	40,527	$	34,058
* Includes a reduction for sublease rental income.

Lease expense is recognized on a straight-line basis over the lease term with variable lease expense recognized in the period in which the costs are incurred. The components of lease expense are included in "Store" and "General and Administrative" expense, based on the underlying lease use.

Other supplemental information includes the following for our operating leases:


	Six Months Ended March 31,
	2022		2021

Weighted-average remaining contractual lease term (years)	5.00		5.07
Weighted-average incremental borrowing rate	8.27	%	7.88	%

Maturities of lease liabilities as of March 31, 2022 were as follows (in thousands):


Remaining 2022	$	34,749
Fiscal 2023	62,161
Fiscal 2024	49,882
Fiscal 2025	39,081
Fiscal 2026	29,380
Thereafter	47,828
Total lease payments	$	263,081
Less: Portion representing interest	47,129
Present value of operating lease liabilities	$	215,952
Less: Current portion	52,446
Non-current portion	$	163,506

We recorded $28.1 million and $6.6 million in non-cash additions to our right of use assets and lease liabilities for the six months ended March 31, 2022 and March 31, 2021, respectively.

Strategic Investments

6 Months Ended

Mar. 31, 2022

Equity Method Investments and Joint Ventures [Abstract]

Strategic Investments

NOTE 6: STRATEGIC INVESTMENTS

Cash Converters International Limited

On October 1, 2021, we purchased an additional 13 million shares of Cash Converters International Limited ("Cash Converters") for $2.5 million. This purchase increased our total ownership in Cash Converters to 236,702,991 shares, representing a 37.72% ownership interest. Additionally, on October 14, 2021, we received a cash dividend of $1.7 million from Cash Converters.

On March 10, 2022, we purchased an additional 5.5 million shares of Cash Converters for $1.0 million. This purchase increased our total ownership in Cash Converters to 242,239,157 shares, representing a 38.60% ownership interest.

On April 5, 2022 (subsequent to the end of the quarter), we acquired an additional 13 million shares for $2.5 million, bringing our total ownership to 255,239,157 shares, representing an ownership interest of 40.67%. Additionally, on April 14, 2022, we received a cash dividend of $1.8 million from Cash Converters. See Note 13: Subsequent Events.

The following tables present summary financial information for Cash Converters most recently reported results at December 31, 2021 after translation to U.S. dollars:


	December 31,
(in thousands)	2021		2020

Current assets	$	162,558	$	170,412
Non-current assets	185,780		189,810
Total assets	$	348,338	$	360,222

Current liabilities	$	59,701	$	59,962
Non-current liabilities	59,915		58,368
Shareholders’ equity	228,722		241,892
Total liabilities and shareholders’ equity	$	348,338	$	360,222


	Half-Year Ended December 31,
(in thousands)	2021		2020

Gross revenues	$	84,185	$	71,153
Gross profit	55,280		51,231
Net profit (loss)	1		5,561

See Note 7: Fair Value Measurements for the fair value and carrying value of our investment in Cash Converters.

Founders One, LLC

In October 2021, we invested $15.0 million in exchange for a non-redeemable voting participating preferred equity interest in Founders One, LLC (“Founders”), a newly-formed entity with one other member. Founders used that $15.0 million to acquire an equity interest in Simple Management Group, Inc. (“SMG”), which owns and operates more than 20 pawn stores principally in the Caribbean region, with plans to build and acquire more stores in that region. The investment in Founders is a variable interest entity, but because the Company is not the primary beneficiary, we do not consolidate it. Further, as we are not the appointed manager, we do not have the ability to direct the activities of the investment entity that most significantly impact its economic performance. Consequently, our investment in Founders is accounted for utilizing the measurement alternative within ASC 321, Investments — Equity Securities. Our $15.0 million carrying value of the investment is included in “Other Investments” in our consolidated balance sheets. Our maximum exposure for losses in this investment is its contributed investment of $15.0 million.

See Note 7: Fair Value Measurements for the fair value and carrying value of our investment in Founders.

Fair Value Measurements

6 Months Ended

Mar. 31, 2022

Fair Value Disclosures [Abstract]

Fair Value Measurements

NOTE 7: FAIR VALUE MEASUREMENTS

The fair value of a financial instrument is the amount that could be received upon the sale of an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. The fair value hierarchy prioritizes the quality and reliability of the information used to determine fair values. Categorization within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The fair value hierarchy is defined into the following three categories:

•Level 1 — Quoted market prices in active markets for identical assets or liabilities.

•Level 2 — Other observable market-based inputs or unobservable inputs that are corroborated by market data.

•Level 3 — Unobservable inputs that are not corroborated by market data.

We have elected not to measure at fair value any eligible items for which fair value measurement is optional.

There were no transfers in or out of Level 1, Level 2 or Level 3 for financial assets or liabilities measured at fair value on a recurring basis during the periods presented.

Financial Assets and Liabilities Not Measured at Fair Value

The tables below present our estimates of fair value of financial assets and liabilities that were not measured at fair value:


	Carrying Value		Estimated Fair Value
	March 31, 2022		March 31, 2022		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
2.89% promissory note receivable due April 2024	$	1,198	$	1,198	$	—	$	—	$	1,198
Investments in unconsolidated affiliates	42,002		51,502		44,529		—		6,973
Other investments	18,000		18,000		—		—		18,000
Financial liabilities:
2024 Convertible Notes	$	142,248	$	141,594	$	—	$	141,594	$	—
2025 Convertible Notes	169,920		153,525		—		153,525		—


	Carrying Value		Estimated Fair Value
	March 31, 2021		March 31, 2021		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
2.89% promissory note receivable due April 2024	$	1,164	$	1,164	$	—	$	—	$	1,164
Investments in unconsolidated affiliates	34,961		45,581		37,984		—		7,597

Financial liabilities:
2024 Convertible Notes	$	120,307	$	132,609	$	—	$	132,609	$	—
2025 Convertible Notes	136,836		143,175		—		143,175		—


	Carrying Value		Estimated Fair Value
	September 30, 2021		September 30, 2021		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
2.89% promissory note receivable due April 2024	$	1,181	$	1,181	$	—	$	—	$	1,181
Investments in unconsolidated affiliates	37,724		48,954		41,638		—		7,316

Financial liabilities:
2024 Convertible Notes	$	123,543	$	153,281	$	—	$	153,281	$	—
2025 Convertible Notes	140,643		155,250		—		155,250		—

Due to the short-term nature of cash and cash equivalents, pawn loans, pawn service charges receivable and other debt, we estimate that the carrying value approximates fair value. We consider our cash and cash equivalents to be measured using Level 1 inputs and our pawn loans, pawn service charges receivable and other debt to be measured using Level 3 inputs. Significant increases or decreases in the underlying assumptions used to value pawn loans, pawn service charges receivable, consumer loans, fees and interest receivable and other debt could significantly increase or decrease these fair value estimates.

Included in “Accounts payable, accrued expenses and other current liabilities“ in our Consolidated Balance Sheets as of March 31, 2022 is $4.6 million which represents the fair value of acquisition-related contingent consideration as discussed in Note 2: Acquisitions. The key assumptions used to determine the fair value of acquisition-related contingent consideration are estimated by management, not observable in the market and, therefore considered Level 3 inputs within the fair value hierarchy.

In March 2019, we received $1.1 million in previously escrowed seller funds as a result of settling certain indemnification claims with the seller of GPMX. In April 2019, we loaned the $1.1 million back to the seller of GPMX in exchange for a promissory note. The note bears interest at the rate of 2.89% per annum and is secured by certain marketable securities owned by the seller and held in a U.S. brokerage

account. All principal and accrued interest is due and payable in April 2024. The fair value of the note approximated its carrying value as of March 31, 2022.

We use the equity method of accounting to account for our ownership interest in Cash Converters. The inputs used to generate the fair value of the investment in Cash Converters were considered Level 1 inputs. These inputs consist of (a) the quoted stock price on the Australian Stock Exchange multiplied by (b) the number of shares we owned multiplied by (c) the applicable foreign currency exchange rate as of the end of our reporting period. We included no control premium for owning a large percentage of outstanding shares.

We use the equity method of accounting to account for our 13.14% ownership in Rich Data Corporation ("RDC"), a previously consolidated variable interest entity for which we no longer have the power to direct the activities that most significantly affect its economic performance. We believe its fair value approximated carrying value although such fair value is highly variable and includes significant unobservable inputs.

Of the $18.0 million included in the table above, $15.0 million is related the investment in Founders. We believe the investment's fair value approximated it's carrying value although such fair value is highly variable and includes significant unobservable inputs.

We measured the fair value of the 2024 and 2025 Convertible Notes using quoted price inputs. The notes are not actively traded, and thus the price inputs represent a Level 2 measurement. As the quoted price inputs are highly variable from day to day, the fair value estimates disclosed above could significantly increase or decrease.

In September 2020, we received the final payment from AlphaCredit on the notes receivable related to the sale of Grupo Finmart and recorded the amount under “Restricted cash” in our consolidated balance sheet as of March 31, 2022. In August 2019, AlphaCredit notified us of an indemnity claim for certain pre-closing taxes, but the nature, extent and validity of such claim has yet to be determined.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References + Details

Debt

6 Months Ended

Mar. 31, 2022

Debt Disclosure [Abstract]

Debt

NOTE 8: DEBT

The Company adopted ASU 2020-06 on October 1, 2021. See Note 1: Organization And Summary Of Significant Accounting Policies for further discussion of this recently adopted accounting policy.

The following table presents the Company's debt instruments outstanding:


	March 31, 2022						March 31, 2021						September 30, 2021
(in thousands)	Gross Amount		Debt Issuance Costs		Carrying Amount		Gross Amount		Debt Discount and Issuance Costs		Carrying Amount		Gross Amount		Debt Discount and Issuance Costs		Carrying Amount

2024 Convertible Notes	$	143,750	$	(1,502)	$	142,248	$	143,750	$	(23,443)	$	120,307	$	143,750	$	(20,207)	$	123,543
2025 Convertible Notes	172,500		(2,580)		169,920		172,500		(35,664)		136,836		172,500		(31,857)		140,643



Total long-term debt	$	316,250	$	(4,082)	$	312,168	$	316,250	$	(59,107)	$	257,143	$	316,250	$	(52,064)	$	264,186

The following table presents the Company's contractual maturities related to the debt instruments as of March 31, 2022:


	Schedule of Contractual Maturities
(in thousands)	Total		Less Than 1 Year		1 - 3 Years		3 - 5 Years		More Than 5 Years

2024 Convertible Notes	$	143,750	$	—	$	143,750	$	—	$	—
2025 Convertible Notes	172,500		—		—		172,500		—

	$	316,250	$	—	$	143,750	$	172,500	$	—

The following table presents the Company's interest expense related to the Convertible Notes for the three and six months ended March 31, 2022 and 2021:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands)	2022		2021		2022		2021

2024 Convertible Notes:
Contractual interest expense	$	1,033	$	1,033	$	2,066	$	2,066
Amortization of deferred financing costs	142		111		309		223
Amortization of debt discount	—		1,461		—		2,891
Total interest expense	$	1,175	$	2,605	$	2,375	$	5,180

2025 Convertible Notes:
Contractual interest expense	$	1,024	$	1,024	$	2,048	$	2,048
Amortization of deferred financing costs	182		141		389		281
Amortization of debt discount	—		1,712		—		3,391
Total interest expense	$	1,206	$	2,877	$	2,437	$	5,720

2.875% Convertible Senior Notes Due 2024

In July 2017, we issued $143.75 million aggregate principal amount of 2.875% Convertible Senior Notes Due 2024 (the “2024 Convertible Notes”). The 2024 Convertible Notes were issued pursuant to an indenture dated July 5, 2017 (the "2017 Indenture") by and between the Company and Wells Fargo Bank, National Association, as the original trustee. Effective October 1, 2019, Truist (formerly BB&T) assumed the duties and responsibilities as trustee under the 2017 Indenture. The 2024 Convertible Notes were issued in a private offering under Rule 144A under the Securities Act of 1933. The 2024 Convertible Notes pay interest semi-annually in arrears at a rate of 2.875% per annum on January 1 and July 1 of each year, commencing January 1, 2018, and mature on July 1, 2024 (the "2024 Maturity Date"), unless converted, redeemed or repurchased in accordance with the terms prior to such date. At maturity, the holders of the 2024 Convertible Notes will be entitled to receive cash equal to the principal of the 2024 Convertible Notes plus accrued interest.

The effective interest rate for the three and six months months ended March 31, 2022 was approximately 3.35%. As of March 31, 2022, the remaining unamortized debt issuance costs will be amortized using the effective interest method through the 2024 Maturity Date assuming no early conversion.

The 2024 Convertible Notes are convertible based on an initial conversion rate of 100 shares of Class A Common Stock per $1,000 principal amount (equivalent to an initial conversion price of $10.00 per share). The conversion rate will not be adjusted for any accrued and unpaid interest. The 2024 Convertible Notes contain certain make-whole fundamental change premiums and customary anti-dilution adjustments. Upon conversion, we may settle in cash, shares of Class A Common Stock or any combination thereof, at our election.

Prior to January 1, 2024, the 2024 Convertible Notes will be convertible only under the following circumstances: (1) during any fiscal quarter commencing after the fiscal quarter ending on September 30, 2017 (and only during such fiscal quarter), if the last reported sale price of our Class A Common Stock for at least 20 trading days (whether or not consecutive) during a period of 30 consecutive trading days ending on the last trading day of the immediately preceding fiscal quarter is greater than or equal to 130% of the conversion price on each applicable trading day; (2) during the five business day period after any five consecutive trading day period (the “measurement period”) in which the trading price, as defined in the 2017 Indenture, per $1,000 principal amount of notes for each trading day of the measurement period was less than 98% of the product of the last reported sale price of our Class A Common Stock and the conversion rate on such trading day; (3) if we call any or all of the 2024 Convertible Notes for redemption, at any time prior to the close of business on the business day immediately preceding the redemption date; or (4) upon the occurrence of specified corporate events, as defined in the 2017 Indenture. On or after January 1, 2024 until the close of business on the business day immediately preceding the 2024 Maturity Date, holders of 2024 Convertible Notes may, at their option, convert their 2024 Convertible Notes at any time, regardless of the foregoing circumstances.

At our option, we may redeem for cash all or any portion of the 2024 Convertible Notes on or after July 6, 2021, if the last reported sale price of the Class A Common Stock has been at least 130% of the conversion price then in effect for at least 20 trading days (whether or not consecutive), including the trading day immediately preceding the date on which we provide notice of redemption, during any 30 consecutive trading day period ending on, and including, the trading day immediately preceding the date on which we provide notice of redemption. The redemption price will be equal to 100% of the principal amount of the 2024 Convertible Notes to be redeemed, plus accrued and unpaid interest to, but excluding, the redemption date.

The stock trading price condition and other triggers are measured on a quarter-by-quarter basis and were not met as of March 31, 2022. As of March 31, 2022, the if-converted value of the 2024 Convertible Notes did not exceed the principal amount.

2.375% 2025 Convertible Senior Notes Due 2025

In May 2018, we issued $172.5 million aggregate principal amount of 2.375% Convertible Senior Notes Due 2025 (the “2025 Convertible Notes”). The 2025 Convertible Notes were issued pursuant to an indenture dated May 14, 2018 (the "2018 Indenture") by and between the Company and Wells Fargo Bank, National Association, as the original trustee. Effective October 1, 2019, Truist (formerly BB&T) assumed the duties and responsibilities as trustee under the 2018 Indenture. The 2025 Convertible Notes were issued in a private offering under Rule 144A under the Securities Act of 1933. The 2025 Convertible Notes pay interest semi-annually in arrears at a rate of 2.375% per annum on May 1 and November 1 of each year, commencing November 1, 2018, and mature on May 1, 2025 (the "2025 Maturity Date"), unless converted, redeemed or repurchased in accordance with the terms prior to such date.

The effective interest rate for the three and six months months ended March 31, 2022 was approximately 2.88% for the 2025 Convertible Notes. As of March 31, 2022, the remaining unamortized debt issuance costs will be amortized using the effective interest method through the 2025 Maturity Date assuming no early conversion.

The 2025 Convertible Notes are convertible based on an initial conversion rate of 62.8931 shares of Class A Common Stock per $1,000 principal amount (equivalent to an initial conversion price of $15.90 per share). The conversion rate will not be adjusted for any accrued and unpaid interest. The 2025 Convertible Notes contain certain make-whole fundamental change premiums and customary anti-dilution adjustments. Upon conversion, we may settle in cash, shares of Class A Common Stock or any combination thereof, at our election.

Prior to November 1, 2024, the 2025 Convertible Notes are convertible only under the following circumstances: (1) during any fiscal quarter commencing after the fiscal quarter ended on June 30, 2018 (and only during such fiscal quarter), if the last reported sale price of our Class A Common Stock for at least 20 trading days (whether or not consecutive) during a period of 30 consecutive trading days ending on the last trading day of the immediately preceding fiscal quarter is greater than or equal to 130% of the conversion price on each applicable trading day; (2) during the five business day period after any five consecutive trading day period (the “measurement period”) in which the trading price, as defined in the 2018 Indenture, per $1,000 principal amount of notes for each trading day of the measurement period was less than 98% of the product of the last reported sale price of our Class A Common Stock and the conversion rate on such trading day; (3) if we call any or all of the 2025 Convertible Notes for redemption, at any time prior to the close of business on the business day immediately preceding the redemption date; or (4) upon the occurrence of specified corporate events, as defined in the 2018 Indenture. On or after November 1, 2024 until the close of business on the business day immediately preceding the 2025 Maturity Date, holders of 2025 Convertible Notes may, at their option, convert their 2025 Convertible Notes at any time, regardless of the foregoing circumstances.

We may not redeem the 2025 Convertible Notes prior to May 1, 2022. At our option, we may redeem for cash all or any portion of the 2025 Convertible Notes on or after May 1, 2022, if the last reported sale price of the Class A Common Stock has been at least 130% of the conversion price then in effect for at least 20 trading days (whether or not consecutive), including the trading day immediately preceding the date on which we provide notice of redemption, during any 30 consecutive trading day period ending on, and including, the trading day immediately preceding the date on which we provide notice of redemption. The redemption price will be equal to 100% of the principal amount of the 2025 Convertible Notes to be redeemed, plus accrued and unpaid interest to, but excluding, the redemption date.

The stock trading price condition and other triggers are measured on a quarter-by-quarter basis and were not met as of March 31, 2022. As of March 31, 2022, the if-converted value of the 2025 Convertible Notes did not exceed the principal amount.

- Definition

The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-URI http://asc.fasb.org/topic&trid=2208564

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 20
-Section 50
-Paragraph 1B
-Subparagraph (h)
-URI http://asc.fasb.org/extlink&oid=123466505&loc=SL123495323-112611

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 20
-Section 50
-Paragraph 1C
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=123466505&loc=SL123495334-112611

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 20
-Section 50
-Paragraph 1I
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=123466505&loc=SL123495371-112611

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 20
-Section 50
-Paragraph 1I
-Subparagraph (d)
-URI http://asc.fasb.org/extlink&oid=123466505&loc=SL123495371-112611

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(c))
-URI http://asc.fasb.org/extlink&oid=120395691&loc=d3e23780-122690

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 20
-Section 50
-Paragraph 1B
-Subparagraph (g)
-URI http://asc.fasb.org/extlink&oid=123466505&loc=SL123495323-112611

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 20
-Section 50
-Paragraph 1C
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=123466505&loc=SL123495334-112611

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 20
-Section 50
-Paragraph 1C
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=123466505&loc=SL123495334-112611

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 20
-Section 50
-Paragraph 1E
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=123466505&loc=SL123495348-112611

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 20
-Section 50
-Paragraph 1B
-URI http://asc.fasb.org/extlink&oid=123466505&loc=SL123495323-112611

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 20
-Section 50
-Paragraph 1I
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=123466505&loc=SL123495371-112611

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 20
-Section 50
-Paragraph 1B
-Subparagraph (i)
-URI http://asc.fasb.org/extlink&oid=123466505&loc=SL123495323-112611

+ Details

Common Stock and Stock Compensation

6 Months Ended

Mar. 31, 2022

Share-based Payment Arrangement [Abstract]

Common Stock and Stock Compensation

NOTE 9: COMMON STOCK AND STOCK COMPENSATION

Share Repurchase Program

In December 2019, the Company's Board of Directors (the "Board") authorized the repurchase of up to $60.0 million of our Class A Common Stock over three years. During fiscal 2020, we repurchased and retired 943,149 shares of our Class A Common Stock for $5.2 million, which was allocated between "Additional paid-in capital" and "Retained earnings" in our condensed consolidated balance sheets. Repurchases under the program were suspended in March 2020 in order to preserve liquidity as a result of uncertainties related to the COVID-19 pandemic and no further share repurchases have been made since March of 2020.

On May 3, 2022, the Board approved a new share repurchase program, which will replace the previous program that was suspended in March 2020. Note 13: Subsequent Events.

Stock Compensation

We maintain a Board-approved incentive plan to retain the services of our valued officers, directors and employees and to incentivize such persons to make contributions to our company and motivate excellent performance (the "Incentive Plan"). Under the Incentive Plan, we grant awards of restricted stock or restricted stock units to employees and non-employee directors. Awards granted to employees are typically subject to performance and service conditions. Awards granted to non-employee directors are time-based awards subject only to service conditions. Awards granted under the Incentive Plan are measured at the grant date fair value with compensation costs associated with the awards recognized over the requisite service period, usually the vesting period, on a straight-line basis.

The following table presents a summary of stock compensation activity:


	Shares	Weighted Average Grant Date Fair Value

Outstanding as of September 30, 2021	2,218,777	$	4.86
Granted	1,362,750	7.37
Released (a)	(486,627)	4.77
Cancelled	(711,844)	6.47
Outstanding as of March 31, 2022	2,383,056	$	6.30

(a) 101,103 shares were withheld to satisfy related income tax withholding.

Contingencies	6 Months Ended
Contingencies	Mar. 31, 2022
Commitments and Contingencies Disclosure [Abstract]
Contingencies	NOTE 10: CONTINGENCIES Currently, and from time to time, we are involved in various claims, disputes, lawsuits, investigations, and legal and regulatory proceedings, including the matter described below. We accrue for contingencies if it is probable that a liability has been incurred and the amount of the loss can be reasonably estimated. Because these matters are inherently unpredictable and unfavorable developments or resolutions can occur, assessing contingencies requires judgments and is highly subjective about future events, and the amount of resulting loss may differ from these estimates. Except as noted below, we do not believe the resolution of any particular matter will have a material adverse effect on our financial condition, results of operations or liquidity. On October 14, 2021, Andrew Kowlessar filed an action in the Circuit Court of the 17th Judicial Circuit in and for Broward County, Florida styled Andrew Kowlessar, individually and on behalf of all others similarly situated vs. EZCORP, Inc. d/b/a Value Pawn & Jewelry (Case No. CACE-21-018864). The matter subsequently was amended and removed to the United States District Court of the Southern District of Florida as Andrew Kowlessar, individually and on behalf of all others similarly situated vs. EZPAWN Florida, Inc. d/b/a Value Pawn & Jewelry (Case No. 0:21-cv-62362-RKA). The amended complaint is brought under Section 501.059, Florida Statutes, the Florida Telephone Solicitation Act (“Act”), and alleges certain text messages were sent in violation of the Act. The matter currently involves claims by a single individual, but alleges a class of persons who may have similar claims of violations of the Act and seeks class certification. The parties are conducting discovery and are scheduled to conduct certain pre-trial mediation discussions. We intend to defend vigorously against all claims, whether asserted individually or as a representative of any class. We have not recorded a liability for this matter as of March 31, 2022. An unfavorable resolution could have a material adverse effect on our results of operations for the period in which such resolution is recorded.

Segment Information

6 Months Ended

Mar. 31, 2022

Segment Reporting [Abstract]

Segment Information

NOTE 11: SEGMENT INFORMATION

Our operations are primarily managed on a geographical basis and are comprised of three reportable segments. The factors for determining our reportable segments include the manner in which our chief operating decision maker ("CODM") evaluates performance for purposes of allocating resources and assessing performance.

We currently report our segments as follows:

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

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

•Other Investments — primarily our equity interest in the net results of Cash Converters and RDC along with our investment in Founders.

There are no inter-segment revenues presented below, and the amounts below were determined in accordance with the same accounting principles used in our condensed consolidated financial statements.

The following tables present revenue for each reportable segment, disaggregated revenue within our three reportable segments and Corporate, segment profits and segment contribution.


	Three Months Ended March 31, 2022
(in thousands)	U.S. Pawn		Latin America Pawn		Other Investments		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	100,064	$	33,492	$	—	$	133,556	$	—	$	133,556
Jewelry scrapping sales	3,480		2,210		—		5,690		—		5,690
Pawn service charges	58,772		17,911		—		76,683		—		76,683
Other revenues	24		—		29		53		—		53
Total revenues	162,340		53,613		29		215,982		—		215,982
Merchandise cost of goods sold	58,613		23,633		—		82,246		—		82,246
Jewelry scrapping cost of goods sold	2,798		2,010		—		4,808		—		4,808

Net revenues	100,929		27,970		29		128,928		—		128,928
Segment and corporate expenses (income):
Store expenses	64,492		21,251		—		85,743		—		85,743
General and administrative	—		—		—		—		12,227		12,227

Depreciation and amortization	2,625		1,891		—		4,516		2,934		7,450
Gain on sale or disposal of assets and other	—		(9)		—		(9)		(688)		(697)

Interest expense	—		—		—		—		2,527		2,527
Interest income	—		(255)		—		(255)		—		(255)
Equity in net loss of unconsolidated affiliates	—		—		1,439		1,439		—		1,439

Other expense	—		334		8		342		29		371
Segment contribution (loss)	$	33,812	$	4,758	$	(1,418)	$	37,152
Income (loss) before income taxes							$	37,152	$	(17,029)	$	20,123


	Three Months Ended March 31, 2021
(in thousands)	U.S. Pawn		Latin America Pawn		Other Investments		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	93,827	$	21,398	$	—	$	115,225	$	—	$	115,225
Jewelry scrapping sales	3,581		2,494		—		6,075		—		6,075
Pawn service charges	49,577		13,859		—		63,436		—		63,436
Other revenues	29		—		174		203		—		203
Total revenues	147,014		37,751		174		184,939		—		184,939
Merchandise cost of goods sold	51,812		13,978		—		65,790		—		65,790
Jewelry scrapping cost of goods sold	3,149		2,252		—		5,401		—		5,401

Net revenues	92,053		21,521		174		113,748		—		113,748
Segment and corporate expenses (income):
Store expenses	63,657		17,492		—		81,149		—		81,149
General and administrative	—		—		—		—		13,771		13,771

Depreciation and amortization	2,636		1,793		—		4,429		3,660		8,089
Loss on sale or disposal of assets and other	—		101		—		101		11		112

Interest expense	—		—		—		—		5,518		5,518
Interest income	—		(571)		—		(571)		(14)		(585)
Equity in net income of unconsolidated affiliates	—		—		(1,250)		(1,250)		—		(1,250)

Other expense	—		85		9		94		51		145
Segment contribution	$	25,760	$	2,621	$	1,415	$	29,796
Income (loss) before income taxes							$	29,796	$	(22,997)	$	6,799


	Six Months Ended March 31, 2022
(in thousands)	U.S. Pawn		Latin America Pawn		Other Investments		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	202,142	$	69,134	$	—	$	271,276	$	—	$	271,276
Jewelry scrapping sales	8,460		4,174		—		12,634		—		12,634
Pawn service charges	115,329		37,379		—		152,708		—		152,708
Other revenues	46		240		72		358		—		358
Total revenues	325,977		110,927		72		436,976		—		436,976
Merchandise cost of goods sold	116,445		48,912		—		165,357		—		165,357
Jewelry scrapping cost of goods sold	6,773		3,807		—		10,580		—		10,580

Net revenues	202,759		58,208		72		261,039		—		261,039
Segment and corporate expenses (income):
Store expenses	129,181		43,333		—		172,514		—		172,514
General and administrative	—		—		—		—		27,772		27,772

Depreciation and amortization	5,295		3,871		—		9,166		5,858		15,024
Gain on sale or disposal of assets and other	—		(4)		—		(4)		(688)		(692)

Interest expense	—		—		—		—		4,958		4,958
Interest income	—		(437)		—		(437)		(122)		(559)
Equity in net loss of unconsolidated affiliates	—		—		301		301		—		301

Other expense (income)	—		200		(4)		196		55		251
Segment contribution (loss)	$	68,283	$	11,245	$	(225)	$	79,303
Income (loss) before income taxes							$	79,303	$	(37,833)	$	41,470


	Six Months Ended March 31, 2021
(in thousands)	U.S. Pawn		Latin America Pawn		Other Investments		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	176,080	$	46,928	$	—	$	223,008	$	—	$	223,008
Jewelry scrapping sales	7,585		5,249		—		12,834		—		12,834
Pawn service charges	99,797		27,128		—		126,925		—		126,925
Other revenues	51		7		249		307		—		307
Total revenues	283,513		79,312		249		363,074		—		363,074
Merchandise cost of goods sold	99,871		30,462		—		130,333		—		130,333
Jewelry scrapping cost of goods sold	5,993		4,610		—		10,603		—		10,603
Other cost of revenues	—		—				—		—		—
Net revenues	177,649		44,240		249		222,138		—		222,138
Segment and corporate expenses (income):
Store expenses	125,749		34,709		—		160,458		—		160,458
General and administrative	—		—		—		—		26,281		26,281

Depreciation and amortization	5,372		3,653		—		9,025		6,636		15,661
Loss on sale or disposal of assets and other	27		—		—		27		63		90
Interest expense	—		—		—		—		10,973		10,973
Interest income	—		(1,335)		—		(1,335)		(71)		(1,406)
Equity in net income of unconsolidated affiliates	—		—		(1,766)		(1,766)		—		(1,766)
Other (income) expense	—		(370)		(201)		(571)		117		(454)
Segment contribution	$	46,501	$	7,583	$	2,216	$	56,300
Income (loss) before income taxes							$	56,300	$	(43,999)	$	12,301

The following table presents separately identified net earning assets by segment:


(in thousands)	U.S. Pawn		Latin America Pawn		Other Investments		Corporate Items		Total

As of March 31, 2022
Pawn loans	$	133,515	$	40,103	$	—	$	—	$	173,618
Inventory, net	93,320		26,570		—		—		119,890

As of March 31, 2021
Pawn loans	$	95,369	$	29,899	$	—	$	—	125,268
Inventory, net	69,782		16,432		—		—		86,214

- Definition

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 31
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8924-108599

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 34
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8981-108599

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 21
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8721-108599

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 40
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e9031-108599

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 32
-Subparagraph (f)
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8933-108599

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 32
-Subparagraph (e)
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8933-108599

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 26
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8844-108599

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 41
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e9038-108599

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 32
-Subparagraph (d)
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8933-108599

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 22
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8736-108599

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 42
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e9054-108599

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8657-108599

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 21
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=123359005&loc=d3e8721-108599

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-URI http://asc.fasb.org/topic&trid=2134510

+ Details

Supplemental Consolidated Financial Information

6 Months Ended

Mar. 31, 2022

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Supplemental Consolidated Financial Information

NOTE 12: SUPPLEMENTAL CONSOLIDATED FINANCIAL INFORMATION

The following table provides supplemental information on net amounts included in our condensed consolidated balance sheets:


(in thousands)	March 31, 2022		March 31, 2021		September 30, 2021

Gross pawn service charges receivable	$	35,886	$	26,607	$	37,360
Allowance for uncollectible pawn service charges receivable	(7,567)		(5,765)		(8,023)
Pawn service charges receivable, net	$	28,319	$	20,842	$	29,337

Gross inventory	$	123,944	$	93,470	$	115,300
Inventory reserves	(4,054)		(7,256)		(4,311)
Inventory, net	$	119,890	$	86,214	$	110,989

Prepaid expenses and other	$	10,245	$	7,881	$	5,386
Accounts receivable and other	8,255		8,442		9,322
Income taxes receivable	8,767		14,353		16,302
Prepaid expenses and other current assets	$	27,267	$	30,676	$	31,010

Property and equipment, gross	$	293,087	$	273,513	$	284,867
Accumulated depreciation	(242,213)		(221,677)		(231,056)
Property and equipment, net	$	50,874	$	51,836	$	53,811

Accounts payable	$	17,756	$	17,957	$	22,462
Accrued payroll	8,631		8,867		9,093
Incentive accrual	8,196		6,682		16,868
Other payroll related expenses	7,877		12,187		10,695
Accrued sales and VAT taxes	8,022		9,064		10,936
Accrued income taxes payable	4,346		2,271		3,826
Other current liabilities	14,867		11,991		16,388
Accounts payable, accrued expenses and other current liabilities	$	69,695	$	69,019	$	90,268

Subsequent Events	6 Months Ended
Subsequent Events	Mar. 31, 2022
Subsequent Events [Abstract]
SUBSEQUENT EVENTS	NOTE 13: SUBSEQUENT EVENTS Share Repurchase Program On May 3, 2022, the Board of Directors approved a new share repurchase program, which will replace the previous program that was suspended in March 2020 at the onset of the COVID-19 pandemic. See Note 9: Share-Based Compensation — Common Stock Repurchase Program. Under the new program, the Company is authorized to repurchase up to $50 million of our Class A Non-Voting common shares over the next three years. Execution of the program will be responsive to fluctuating market conditions and valuations, liquidity needs and the expected return on investment compared to other opportunities. The amount and timing of purchases will be dependent on a variety of factors, including stock price, trading volume, general market conditions, legal and regulatory requirements, general business conditions, the level of cash flows, and corporate considerations determined by management and the Board, such as liquidity and capital needs and the availability of attractive alternative investment opportunities. The Board of Directors has reserved the right to modify, suspend or terminate the program at any time. Purchase Additional Shares of Cash Converters On April 5, 2022, we purchased an additional 13 million shares of Cash Converters for $2.5 million. This purchase increased our total ownership in Cash Converters to 255,239,157 shares, representing an ownership interest of 40.67%. Additionally, in April 2022, we received a cash dividend of $1.8 million from Cash Converters.

Organization and Summary of Significant Accounting Policies (Policies)

6 Months Ended

Mar. 31, 2022

Accounting Policies [Abstract]

Basis of Presentation and Principles of Consolidation

Basis of Presentation

Principles of Consolidation

Use of Estimates

Use of Estimates The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Such estimates and assumptions include the determination of inventory reserves, expected credit losses, useful lives of long-lived and intangible assets, valuation of share-based compensation, valuation of equity investments, valuation of deferred tax assets and liabilities, loss contingencies related to litigation and discount rates used for operating leases. Actual results may result in actual amounts differing from reported amounts.

Recently Adopted Accounting Policies and Recently Issued Accounting Pronouncements

Recently Adopted Accounting Policies

Impact of the Adoption of ASU 2020-06


(in thousands)	As Reported September 30, 2021		Adjustments		Under ASU 2020-06 October 1, 2021
Principal	$	316,250	$	—	$	316,250
Unamortized debt discount	(48,785)		48,785		—
Deferred financing costs, net	(3,279)		(1,500)		(4,779)
Net carrying amount	264,186		47,285		311,471

Deferred tax asset	9,746		5,839		15,585
Deferred tax liability	3,684		(4,040)		(356)

Additional paid-in capital	403,312		(64,263)		339,049
Retained earnings	326,781		26,857		353,638

Recently Issued Accounting Pronouncements

Organization and Summary of Significant Accounting Policies (Tables)

6 Months Ended

Mar. 31, 2022

Accounting Policies [Abstract]

Schedule of Accounting Standards Update and Change in Accounting Principle

We recognized the cumulative effect of initially applying this new standard as of October 1, 2021. We recognized a cumulative effect of initially applying the ASU as an adjustment to the October 1, 2021 opening balance of retained earnings. The conversion option that was previously accounted for in equity under the cash conversion model was recombined into the convertible debt outstanding, and as a result, additional paid in capital and the related unamortized debt discount on the convertible senior notes were reduced. The removal of the remaining debt discounts recorded for this previous separation has the effect of increasing our net debt balance. The prior period consolidated financial statements have not been retrospectively adjusted and continue to be reported under the accounting standards in effect for those periods.


(in thousands)	As Reported September 30, 2021		Adjustments		Under ASU 2020-06 October 1, 2021
Principal	$	316,250	$	—	$	316,250
Unamortized debt discount	(48,785)		48,785		—
Deferred financing costs, net	(3,279)		(1,500)		(4,779)
Net carrying amount	264,186		47,285		311,471

Deferred tax asset	9,746		5,839		15,585
Deferred tax liability	3,684		(4,040)		(356)

Additional paid-in capital	403,312		(64,263)		339,049
Retained earnings	326,781		26,857		353,638

Acquisitions (Tables)

6 Months Ended

Mar. 31, 2022

Business Combination and Asset Acquisition [Abstract]

Schedule of Purchase Price Allocation

The purchase price allocation is as follows, in thousands:


Cash and cash equivalents	$	308
Pawn loans	4,619
Pawn service charges receivable	691
Inventory	1,319
Property and equipment	2,025
Right-of-use assets	10,651
Goodwill	25,422
Intangible assets	3,965
Deferred tax asset, net	381
Other assets	746
Accounts payable, accrued expenses and other liabilities	(2,290)
Debt	(14,931)
Lease liabilities	(10,651)
Total consideration	$	22,255

Goodwill (Tables)

6 Months Ended

Mar. 31, 2022

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of Goodwill

The following table summarizes the changes in the carrying amount of goodwill by segment and in total:


	Six Months Ended March 31, 2022
(in thousands)	U.S. Pawn		Latin America Pawn		Consolidated

Balances as of September 30, 2021	$	244,471	$	41,287	$	285,758

Measurement period adjustments	—		(678)		(678)

Effect of foreign currency translation changes	—		1,134		1,134
Balances as of March 31, 2022	$	244,471	$	41,743	$	286,214


	Six Months Ended March 31, 2021
(in thousands)	U.S. Pawn		Latin America Pawn		Consolidated

Balances as of September 30, 2020	$	241,928	$	15,654	$	257,582
Effect of foreign currency translation changes	—		617		617


Balances as of March 31, 2021	$	241,928	$	16,271	$	258,199

Earnings per Share (Tables)

6 Months Ended

Mar. 31, 2022

Earnings Per Share [Abstract]

Schedule of Net Components of Basic and Diluted Earnings Per Share

The following table reconciles the number of common shares used to compute basic and diluted earnings per share attributable to EZCORP Inc., shareholders:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands, except per share amounts)	2022		2021		2022		2021

Basic earnings per common share:
Net income - basic	$	14,887	$	5,330	$	30,608	$	9,629
Weighted shares outstanding - basic	56,561		55,661		56,370		55,509
Basic earnings per common share	$	0.26	$	0.10	$	0.54	$	0.17

Diluted earnings per common share:
Net income - basic	$	14,887	$	5,330	$	30,608	$	9,629
Add: Convertible Notes interest expense, net of tax	1,846		—		3,730		—
Net income - diluted	$	16,733	$	5,330	$	34,338	$	9,629
Weighted shares outstanding - basic	56,561		55,661		56,370		55,509
Effect of dilution from equity-based compensation awards*	622		4		676		2
Effect of dilution from if-converted Convertible Notes**	25,224		—		25,224		—
Weighted shares outstanding - diluted	82,407		55,665		82,270		55,511
Diluted earnings per common share	$	0.20	$	0.10	$	0.42	$	0.17

Potential common shares excluded from the calculation of diluted earnings per share above:
Restricted stock***	1,756		964		1,847		831

* Includes time-based share-based awards and performance based awards for which targets for fiscal year tranches have been achieved and vesting is subject only to achievement of service conditions.

** See Note 8: Debt for conversion price and initial conversion rate of the 2024 Convertible Notes and 2025 Convertible Notes.

Leases (Tables)

6 Months Ended

Mar. 31, 2022

Leases [Abstract]

Schedule of Lessee Assets and Liabilities

The table below presents balances of our operating leases:


(in thousands)	March 31, 2022		March 31, 2021		September 30, 2021

Right-of-use asset	$	204,343	$	170,479	$	200,990



Lease liability, current	$	52,446	$	41,060	$	52,263
Lease liability, non-current	163,506		138,622		161,330
Total lease liability	$	215,952	$	179,682	$	213,593

Schedule of Lease Cost

The table below provides the composition of our lease costs:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands)	2022		2021		2022		2021

Operating lease expense*	$	16,789	$	14,616	$	33,151	$	29,815
Variable lease expense	3,834		2,064		7,376		4,243

Total lease expense	$	20,623	$	16,680	$	40,527	$	34,058
* Includes a reduction for sublease rental income.

Other supplemental information includes the following for our operating leases:


	Six Months Ended March 31,
	2022		2021

Weighted-average remaining contractual lease term (years)	5.00		5.07
Weighted-average incremental borrowing rate	8.27	%	7.88	%

Schedule of Operating Lease Maturity

Maturities of lease liabilities as of March 31, 2022 were as follows (in thousands):


Remaining 2022	$	34,749
Fiscal 2023	62,161
Fiscal 2024	49,882
Fiscal 2025	39,081
Fiscal 2026	29,380
Thereafter	47,828
Total lease payments	$	263,081
Less: Portion representing interest	47,129
Present value of operating lease liabilities	$	215,952
Less: Current portion	52,446
Non-current portion	$	163,506

Strategic Investments (Tables)

6 Months Ended

Mar. 31, 2022

Equity Method Investments and Joint Ventures [Abstract]

Schedule of Equity Method Investments

The following tables present summary financial information for Cash Converters most recently reported results at December 31, 2021 after translation to U.S. dollars:


	December 31,
(in thousands)	2021		2020

Current assets	$	162,558	$	170,412
Non-current assets	185,780		189,810
Total assets	$	348,338	$	360,222

Current liabilities	$	59,701	$	59,962
Non-current liabilities	59,915		58,368
Shareholders’ equity	228,722		241,892
Total liabilities and shareholders’ equity	$	348,338	$	360,222


	Half-Year Ended December 31,
(in thousands)	2021		2020

Gross revenues	$	84,185	$	71,153
Gross profit	55,280		51,231
Net profit (loss)	1		5,561

Fair Value Measurements (Tables)

6 Months Ended

Mar. 31, 2022

Fair Value Disclosures [Abstract]

Schedule of Financial Assets, Temporary Equity, and Liabilities Not Measured at Fair Value in the Consolidated Balance Sheet

The tables below present our estimates of fair value of financial assets and liabilities that were not measured at fair value:


	Carrying Value		Estimated Fair Value
	March 31, 2022		March 31, 2022		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
2.89% promissory note receivable due April 2024	$	1,198	$	1,198	$	—	$	—	$	1,198
Investments in unconsolidated affiliates	42,002		51,502		44,529		—		6,973
Other investments	18,000		18,000		—		—		18,000
Financial liabilities:
2024 Convertible Notes	$	142,248	$	141,594	$	—	$	141,594	$	—
2025 Convertible Notes	169,920		153,525		—		153,525		—


	Carrying Value		Estimated Fair Value
	March 31, 2021		March 31, 2021		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
2.89% promissory note receivable due April 2024	$	1,164	$	1,164	$	—	$	—	$	1,164
Investments in unconsolidated affiliates	34,961		45,581		37,984		—		7,597

Financial liabilities:
2024 Convertible Notes	$	120,307	$	132,609	$	—	$	132,609	$	—
2025 Convertible Notes	136,836		143,175		—		143,175		—


	Carrying Value		Estimated Fair Value
	September 30, 2021		September 30, 2021		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
2.89% promissory note receivable due April 2024	$	1,181	$	1,181	$	—	$	—	$	1,181
Investments in unconsolidated affiliates	37,724		48,954		41,638		—		7,316

Financial liabilities:
2024 Convertible Notes	$	123,543	$	153,281	$	—	$	153,281	$	—
2025 Convertible Notes	140,643		155,250		—		155,250		—

Debt (Tables)

6 Months Ended

Mar. 31, 2022

Debt Disclosure [Abstract]

Schedule of Long Term Debt Instruments

The Company adopted ASU 2020-06 on October 1, 2021. See Note 1: Organization And Summary Of Significant Accounting Policies for further discussion of this recently adopted accounting policy.

The following table presents the Company's debt instruments outstanding:


	March 31, 2022						March 31, 2021						September 30, 2021
(in thousands)	Gross Amount		Debt Issuance Costs		Carrying Amount		Gross Amount		Debt Discount and Issuance Costs		Carrying Amount		Gross Amount		Debt Discount and Issuance Costs		Carrying Amount

2024 Convertible Notes	$	143,750	$	(1,502)	$	142,248	$	143,750	$	(23,443)	$	120,307	$	143,750	$	(20,207)	$	123,543
2025 Convertible Notes	172,500		(2,580)		169,920		172,500		(35,664)		136,836		172,500		(31,857)		140,643



Total long-term debt	$	316,250	$	(4,082)	$	312,168	$	316,250	$	(59,107)	$	257,143	$	316,250	$	(52,064)	$	264,186

The following table presents the Company's contractual maturities related to the debt instruments as of March 31, 2022:


	Schedule of Contractual Maturities
(in thousands)	Total		Less Than 1 Year		1 - 3 Years		3 - 5 Years		More Than 5 Years

2024 Convertible Notes	$	143,750	$	—	$	143,750	$	—	$	—
2025 Convertible Notes	172,500		—		—		172,500		—

	$	316,250	$	—	$	143,750	$	172,500	$	—

The following table presents the Company's interest expense related to the Convertible Notes for the three and six months ended March 31, 2022 and 2021:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands)	2022		2021		2022		2021

2024 Convertible Notes:
Contractual interest expense	$	1,033	$	1,033	$	2,066	$	2,066
Amortization of deferred financing costs	142		111		309		223
Amortization of debt discount	—		1,461		—		2,891
Total interest expense	$	1,175	$	2,605	$	2,375	$	5,180

2025 Convertible Notes:
Contractual interest expense	$	1,024	$	1,024	$	2,048	$	2,048
Amortization of deferred financing costs	182		141		389		281
Amortization of debt discount	—		1,712		—		3,391
Total interest expense	$	1,206	$	2,877	$	2,437	$	5,720

- Definition

Tabular disclosure of long-debt instruments or arrangements, including identification, terms, features, collateral requirements and other information necessary to a fair presentation. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the entity, if longer.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.22)
-URI http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 3
-Subparagraph (SX 210.12-04(a))
-URI http://asc.fasb.org/extlink&oid=120395691&loc=d3e24072-122690

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 45
-Paragraph 1A
-URI http://asc.fasb.org/extlink&oid=124435984&loc=d3e28541-108399

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=123467817&loc=d3e21506-112644

Reference 5: http://www.xbrl.org/2003/role/exampleRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 20
-Section 55
-Paragraph 69B
-URI http://asc.fasb.org/extlink&oid=123466577&loc=SL123495735-112612

Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=124435984&loc=d3e28551-108399

Reference 7: http://www.xbrl.org/2003/role/exampleRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 20
-Section 55
-Paragraph 69E
-URI http://asc.fasb.org/extlink&oid=123466577&loc=SL123495743-112612

Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=123467817&loc=d3e21521-112644

Reference 9: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=123467817&loc=d3e21538-112644

Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 470
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=123599511&loc=d3e64711-112823

Reference 11: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 55
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=114775985&loc=d3e28878-108400

Reference 12: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=123467817&loc=d3e21475-112644

+ Details

Common Stock and Stock Compensation (Tables)

6 Months Ended

Mar. 31, 2022

Share-based Payment Arrangement [Abstract]

Schedule of Restricted Stock Award Activity

The following table presents a summary of stock compensation activity:


	Shares	Weighted Average Grant Date Fair Value

Outstanding as of September 30, 2021	2,218,777	$	4.86
Granted	1,362,750	7.37
Released (a)	(486,627)	4.77
Cancelled	(711,844)	6.47
Outstanding as of March 31, 2022	2,383,056	$	6.30

(a) 101,103 shares were withheld to satisfy related income tax withholding.

Segment Information (Tables)

6 Months Ended

Mar. 31, 2022

Segment Reporting [Abstract]

Schedule of Operating Segment Information

The following tables present revenue for each reportable segment, disaggregated revenue within our three reportable segments and Corporate, segment profits and segment contribution.


	Three Months Ended March 31, 2022
(in thousands)	U.S. Pawn		Latin America Pawn		Other Investments		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	100,064	$	33,492	$	—	$	133,556	$	—	$	133,556
Jewelry scrapping sales	3,480		2,210		—		5,690		—		5,690
Pawn service charges	58,772		17,911		—		76,683		—		76,683
Other revenues	24		—		29		53		—		53
Total revenues	162,340		53,613		29		215,982		—		215,982
Merchandise cost of goods sold	58,613		23,633		—		82,246		—		82,246
Jewelry scrapping cost of goods sold	2,798		2,010		—		4,808		—		4,808

Net revenues	100,929		27,970		29		128,928		—		128,928
Segment and corporate expenses (income):
Store expenses	64,492		21,251		—		85,743		—		85,743
General and administrative	—		—		—		—		12,227		12,227

Depreciation and amortization	2,625		1,891		—		4,516		2,934		7,450
Gain on sale or disposal of assets and other	—		(9)		—		(9)		(688)		(697)

Interest expense	—		—		—		—		2,527		2,527
Interest income	—		(255)		—		(255)		—		(255)
Equity in net loss of unconsolidated affiliates	—		—		1,439		1,439		—		1,439

Other expense	—		334		8		342		29		371
Segment contribution (loss)	$	33,812	$	4,758	$	(1,418)	$	37,152
Income (loss) before income taxes							$	37,152	$	(17,029)	$	20,123


	Three Months Ended March 31, 2021
(in thousands)	U.S. Pawn		Latin America Pawn		Other Investments		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	93,827	$	21,398	$	—	$	115,225	$	—	$	115,225
Jewelry scrapping sales	3,581		2,494		—		6,075		—		6,075
Pawn service charges	49,577		13,859		—		63,436		—		63,436
Other revenues	29		—		174		203		—		203
Total revenues	147,014		37,751		174		184,939		—		184,939
Merchandise cost of goods sold	51,812		13,978		—		65,790		—		65,790
Jewelry scrapping cost of goods sold	3,149		2,252		—		5,401		—		5,401

Net revenues	92,053		21,521		174		113,748		—		113,748
Segment and corporate expenses (income):
Store expenses	63,657		17,492		—		81,149		—		81,149
General and administrative	—		—		—		—		13,771		13,771

Depreciation and amortization	2,636		1,793		—		4,429		3,660		8,089
Loss on sale or disposal of assets and other	—		101		—		101		11		112

Interest expense	—		—		—		—		5,518		5,518
Interest income	—		(571)		—		(571)		(14)		(585)
Equity in net income of unconsolidated affiliates	—		—		(1,250)		(1,250)		—		(1,250)

Other expense	—		85		9		94		51		145
Segment contribution	$	25,760	$	2,621	$	1,415	$	29,796
Income (loss) before income taxes							$	29,796	$	(22,997)	$	6,799


	Six Months Ended March 31, 2022
(in thousands)	U.S. Pawn		Latin America Pawn		Other Investments		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	202,142	$	69,134	$	—	$	271,276	$	—	$	271,276
Jewelry scrapping sales	8,460		4,174		—		12,634		—		12,634
Pawn service charges	115,329		37,379		—		152,708		—		152,708
Other revenues	46		240		72		358		—		358
Total revenues	325,977		110,927		72		436,976		—		436,976
Merchandise cost of goods sold	116,445		48,912		—		165,357		—		165,357
Jewelry scrapping cost of goods sold	6,773		3,807		—		10,580		—		10,580

Net revenues	202,759		58,208		72		261,039		—		261,039
Segment and corporate expenses (income):
Store expenses	129,181		43,333		—		172,514		—		172,514
General and administrative	—		—		—		—		27,772		27,772

Depreciation and amortization	5,295		3,871		—		9,166		5,858		15,024
Gain on sale or disposal of assets and other	—		(4)		—		(4)		(688)		(692)

Interest expense	—		—		—		—		4,958		4,958
Interest income	—		(437)		—		(437)		(122)		(559)
Equity in net loss of unconsolidated affiliates	—		—		301		301		—		301

Other expense (income)	—		200		(4)		196		55		251
Segment contribution (loss)	$	68,283	$	11,245	$	(225)	$	79,303
Income (loss) before income taxes							$	79,303	$	(37,833)	$	41,470


	Six Months Ended March 31, 2021
(in thousands)	U.S. Pawn		Latin America Pawn		Other Investments		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	176,080	$	46,928	$	—	$	223,008	$	—	$	223,008
Jewelry scrapping sales	7,585		5,249		—		12,834		—		12,834
Pawn service charges	99,797		27,128		—		126,925		—		126,925
Other revenues	51		7		249		307		—		307
Total revenues	283,513		79,312		249		363,074		—		363,074
Merchandise cost of goods sold	99,871		30,462		—		130,333		—		130,333
Jewelry scrapping cost of goods sold	5,993		4,610		—		10,603		—		10,603
Other cost of revenues	—		—				—		—		—
Net revenues	177,649		44,240		249		222,138		—		222,138
Segment and corporate expenses (income):
Store expenses	125,749		34,709		—		160,458		—		160,458
General and administrative	—		—		—		—		26,281		26,281

Depreciation and amortization	5,372		3,653		—		9,025		6,636		15,661
Loss on sale or disposal of assets and other	27		—		—		27		63		90
Interest expense	—		—		—		—		10,973		10,973
Interest income	—		(1,335)		—		(1,335)		(71)		(1,406)
Equity in net income of unconsolidated affiliates	—		—		(1,766)		(1,766)		—		(1,766)
Other (income) expense	—		(370)		(201)		(571)		117		(454)
Segment contribution	$	46,501	$	7,583	$	2,216	$	56,300
Income (loss) before income taxes							$	56,300	$	(43,999)	$	12,301

Reconciliation of Assets from Segment to Consolidated

The following table presents separately identified net earning assets by segment:


(in thousands)	U.S. Pawn		Latin America Pawn		Other Investments		Corporate Items		Total

As of March 31, 2022
Pawn loans	$	133,515	$	40,103	$	—	$	—	$	173,618
Inventory, net	93,320		26,570		—		—		119,890

As of March 31, 2021
Pawn loans	$	95,369	$	29,899	$	—	$	—	125,268
Inventory, net	69,782		16,432		—		—		86,214

Supplemental Consolidated Financial Information (Tables)

6 Months Ended

Mar. 31, 2022

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Schedule of Information on Accounts Receivable, Net, Inventories, Net, Property and Equipment, Net

The following table provides supplemental information on net amounts included in our condensed consolidated balance sheets:


(in thousands)	March 31, 2022		March 31, 2021		September 30, 2021

Gross pawn service charges receivable	$	35,886	$	26,607	$	37,360
Allowance for uncollectible pawn service charges receivable	(7,567)		(5,765)		(8,023)
Pawn service charges receivable, net	$	28,319	$	20,842	$	29,337

Gross inventory	$	123,944	$	93,470	$	115,300
Inventory reserves	(4,054)		(7,256)		(4,311)
Inventory, net	$	119,890	$	86,214	$	110,989

Prepaid expenses and other	$	10,245	$	7,881	$	5,386
Accounts receivable and other	8,255		8,442		9,322
Income taxes receivable	8,767		14,353		16,302
Prepaid expenses and other current assets	$	27,267	$	30,676	$	31,010

Property and equipment, gross	$	293,087	$	273,513	$	284,867
Accumulated depreciation	(242,213)		(221,677)		(231,056)
Property and equipment, net	$	50,874	$	51,836	$	53,811

Accounts payable	$	17,756	$	17,957	$	22,462
Accrued payroll	8,631		8,867		9,093
Incentive accrual	8,196		6,682		16,868
Other payroll related expenses	7,877		12,187		10,695
Accrued sales and VAT taxes	8,022		9,064		10,936
Accrued income taxes payable	4,346		2,271		3,826
Other current liabilities	14,867		11,991		16,388
Accounts payable, accrued expenses and other current liabilities	$	69,695	$	69,019	$	90,268

Organization and Summary of Significant Accounting Policies - Accounting Standards Update and Change in Accounting Principle (Details) - USD ($)	Mar. 31, 2022	Oct. 01, 2021	Sep. 30, 2021	Mar. 31, 2021
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Principal	$ 316,250,000	$ 316,250,000
Unamortized debt discount		0
Deferred financing costs, net		(4,779,000)
Net carrying amount		311,471,000
Deferred tax asset	15,908,000	15,585,000	$ 9,746,000	$ 9,693,000
Deferred tax liability	179,000	(356,000)	3,684,000	167,000
Additional paid-in capital	341,913,000	339,049,000	403,312,000	399,439,000
Retained earnings	$ 384,246,000	$ 353,638,000	326,781,000	$ 327,798,000
As Reported September 30, 2021
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Principal			316,250,000
Unamortized debt discount			(48,785,000)
Deferred financing costs, net			(3,279,000)
Net carrying amount			264,186,000
Deferred tax asset			9,746,000
Deferred tax liability			3,684,000
Additional paid-in capital			403,312,000
Retained earnings			326,781,000
Adjustments \| Accounting Standards Update 2020-06
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Principal			0
Unamortized debt discount			48,785,000
Deferred financing costs, net			(1,500,000)
Net carrying amount			47,285,000
Deferred tax asset			5,839,000
Deferred tax liability			(4,040,000)
Additional paid-in capital			(64,263,000)
Retained earnings			$ 26,857,000

Organization and Summary of Significant Accounting Policies - Narrative (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Interest expense	$ 2,527	$ 5,518	$ 4,958	$ 10,973
Basic earnings per common share (in dollars per share)	$ 0.26	$ 0.10	$ 0.54	$ 0.17
Diluted earnings per common share (in dollars per share)	$ 0.20	0.10	$ 0.42	0.17
Accounting Standards Update 2020-06 \| Restatement Adjustment Member
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Interest expense	$ (3,400)		$ (6,800)
Basic earnings per common share (in dollars per share)		$ 0.05		$ 0.09
Diluted earnings per common share (in dollars per share)	$ 0.01		$ 0.03

- Definition

The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 40
-Section 65
-Paragraph 1
-Subparagraph (e)(4)
-URI http://asc.fasb.org/extlink&oid=123482062&loc=SL123482106-238011

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 250
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=124431687&loc=d3e22583-107794

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 250
-SubTopic 10
-Section 50
-Paragraph 11
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=124431687&loc=d3e22694-107794

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=125511455&loc=d3e1448-109256

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 250
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=124431687&loc=d3e22595-107794

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 250
-SubTopic 10
-Section 50
-Paragraph 11
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=124431687&loc=d3e22694-107794

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=125511455&loc=d3e1337-109256

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 40
-Section 65
-Paragraph 1
-Subparagraph (f)
-URI http://asc.fasb.org/extlink&oid=123482062&loc=SL123482106-238011

Reference 9: http://www.xbrl.org/2003/role/exampleRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 55
-Paragraph 52
-URI http://asc.fasb.org/extlink&oid=125512782&loc=d3e4984-109258

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 220
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04(23))
-URI http://asc.fasb.org/extlink&oid=120400993&loc=SL114874131-224263

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 55
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=125512782&loc=d3e3842-109258

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 250
-SubTopic 10
-Section 50
-Paragraph 7
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=124431687&loc=d3e22644-107794

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=124432515&loc=d3e3550-109257

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03(25))
-URI http://asc.fasb.org/extlink&oid=123367319&loc=SL114868664-224227

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=125511455&loc=d3e1252-109256

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 60B
-Subparagraph (d)
-URI http://asc.fasb.org/extlink&oid=125511455&loc=SL5780133-109256

Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 220
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(27))
-URI http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260

+ Details

- Definition

The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 55
-Paragraph 52
-URI http://asc.fasb.org/extlink&oid=125512782&loc=d3e4984-109258

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 250
-SubTopic 10
-Section 50
-Paragraph 7
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=124431687&loc=d3e22644-107794

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 55
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=125512782&loc=d3e3842-109258

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=125511455&loc=d3e1252-109256

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 250
-SubTopic 10
-Section 50
-Paragraph 11
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=124431687&loc=d3e22694-107794

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 250
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=124431687&loc=d3e22595-107794

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 250
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=124431687&loc=d3e22583-107794

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 60B
-Subparagraph (d)
-URI http://asc.fasb.org/extlink&oid=125511455&loc=SL5780133-109256

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 40
-Section 65
-Paragraph 1
-Subparagraph (f)
-URI http://asc.fasb.org/extlink&oid=123482062&loc=SL123482106-238011

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 220
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(27))
-URI http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=124432515&loc=d3e3550-109257

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 220
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04(23))
-URI http://asc.fasb.org/extlink&oid=120400993&loc=SL114874131-224263

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 250
-SubTopic 10
-Section 50
-Paragraph 11
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=124431687&loc=d3e22694-107794

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=125511455&loc=d3e1337-109256

Reference 15: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 40
-Section 65
-Paragraph 1
-Subparagraph (e)(4)
-URI http://asc.fasb.org/extlink&oid=123482062&loc=SL123482106-238011

Reference 16: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03(25))
-URI http://asc.fasb.org/extlink&oid=123367319&loc=SL114868664-224227

+ Details

Acquisitions - Additional Information Regarding Recent Acquisitions (Details) $ in Thousands		3 Months Ended			6 Months Ended	9 Months Ended
	Jun. 08, 2021 USD ($) store payment shares	Mar. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)	Sep. 30, 2021 USD ($)	Mar. 31, 2022 USD ($)	Jun. 30, 2022 USD ($)
Business Acquisition [Line Items]
Additional contingent payments		$ 4,600			$ 4,600
Measurement period adjustments					(678)
Bajio
Business Acquisition [Line Items]
Percentage of voting interests acquired	100.00%
Initial purchase price	$ 23,600		$ 22,300
Payments to acquire businesses	$ 17,400			$ 3,800
Shares of the company’s Class A Non-Voting common stock (in shares) \| shares	212,870
Value of the company’s Class A Non-Voting common stock	$ 1,600
Additional contingent payments	$ 4,600
Number of additional payments \| payment	2
Additional payment term	2 years
Maximum percentage of future contingent consideration that can be paid in shares	50.00%
Payments to acquire business, paid at closing	$ 11,600
Measurement period adjustments		$ 600	1,300
Decrease in consideration payable			1,300
Business acquisition, consideration payable			$ 700	$ 2,000
Business acquisition, final consideration payable on fifth anniversary of acquisition					$ 400
Bajio \| Forecast
Business Acquisition [Line Items]
Payments to acquire businesses						$ 300
Bajio \| MEXICO
Business Acquisition [Line Items]
Number of stores acquired \| store	128

Acquisitions - Purchase Price Allocation (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021	Jun. 08, 2021	Mar. 31, 2021	Sep. 30, 2020
Business Acquisition [Line Items]
Goodwill	$ 286,214	$ 285,758		$ 258,199	$ 257,582
Bajio
Business Acquisition [Line Items]
Cash and cash equivalents			$ 308
Pawn loans			4,619
Pawn service charges receivable			691
Inventory			1,319
Property and equipment			2,025
Right-of-use assets			10,651
Goodwill			25,422
Intangible assets			3,965
Deferred tax asset, net			381
Other assets			746
Accounts payable, accrued expenses and other liabilities			(2,290)
Debt			(14,931)
Lease liabilities			(10,651)
Total consideration			$ 22,255

Goodwill (Details) - USD ($) $ in Thousands	6 Months Ended
Goodwill (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Mar. 31, 2021
Goodwill [Roll Forward]
Beginning Balance	$ 285,758	$ 257,582
Measurement period adjustments	(678)
Effect of foreign currency translation changes	1,134	617
Ending Balance	286,214	258,199
U.S. Pawn
Goodwill [Roll Forward]
Beginning Balance	244,471	241,928
Measurement period adjustments	0
Effect of foreign currency translation changes	0	0
Ending Balance	244,471	241,928
Latin America Pawn
Goodwill [Roll Forward]
Beginning Balance	41,287	15,654
Measurement period adjustments	(678)
Effect of foreign currency translation changes	1,134	617
Ending Balance	$ 41,743	$ 16,271

Earnings per Share - Basic and Diluted Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Basic earnings per common share:
Net income - basic	$ 14,887	$ 5,330	$ 30,608	$ 9,629
Weighted shares outstanding - basic (in shares)	56,561	55,661	56,370	55,509
Basic earnings per common share (in dollars per share)	$ 0.26	$ 0.10	$ 0.54	$ 0.17
Diluted earnings per common share:
Net income - basic	$ 14,887	$ 5,330	$ 30,608	$ 9,629
Add: Convertible Notes interest expense, net of tax	1,846	0	3,730	0
Net income - diluted	$ 16,733	$ 5,330	$ 34,338	$ 9,629
Weighted shares outstanding - basic (in shares)	56,561	55,661	56,370	55,509
Effect of dilution from equity-based compensation awards (in shares)	622	4	676	2
Effect of dilution from if-converted Convertible Notes (in shares)	25,224	0	25,224	0
Weighted shares outstanding - diluted (in shares)	82,407	55,665	82,270	55,511
Diluted earnings per common share (in dollars per share)	$ 0.20	$ 0.10	$ 0.42	$ 0.17
Potential common shares excluded from the calculation of diluted earnings per share above, Restricted stock (in shares)	1,756	964	1,847	831

Leases - Additional Information (Details) - USD ($) $ in Millions	6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Lessee, Lease, Description [Line Items]
Operating lease right of use asset non cash	$ 28.1	$ 6.6
Operating lease liability non cash	$ 28.1	$ 6.6
Minimum
Lessee, Lease, Description [Line Items]
Initial term of lease (in years)	3 years
Maximum
Lessee, Lease, Description [Line Items]
Initial term of lease (in years)	10 years

Leases - Lessee Assets and Liabilities (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021	Mar. 31, 2021
Leases [Abstract]
Right-of-use asset	$ 204,343	$ 200,990	$ 170,479
Lease liability, current	52,446	52,263	41,060
Lease liability, non-current	163,506	161,330	138,622
Total lease liability	$ 215,952	$ 213,593	$ 179,682

Leases - Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
Leases - Lease Cost (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Leases [Abstract]
Operating lease expense*	$ 16,789	$ 14,616	$ 33,151	$ 29,815
Variable lease expense	3,834	2,064	7,376	4,243
Total lease expense	$ 20,623	$ 16,680	$ 40,527	$ 34,058

Leases - Supplemental Cash Flow Information (Details)	Mar. 31, 2022	Mar. 31, 2021
Leases [Abstract]
Weighted-average remaining contractual lease term (years)	5 years	5 years 25 days
Weighted-average incremental borrowing rate	8.27%	7.88%

Leases - Operating Lease Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021	Mar. 31, 2021
Leases [Abstract]
Remaining 2022	$ 34,749
Fiscal 2023	62,161
Fiscal 2024	49,882
Fiscal 2025	39,081
Fiscal 2026	29,380
Thereafter	47,828
Total lease payments	263,081
Less: Portion representing interest	47,129
Total lease liability	215,952	$ 213,593	$ 179,682
Less: Current portion	52,446	52,263	41,060
Non-current portion	$ 163,506	$ 161,330	$ 138,622

Strategic Investments - Additional Information (Details) $ in Thousands						1 Months Ended	6 Months Ended
	Apr. 14, 2022 USD ($)	Apr. 05, 2022 USD ($) shares	Mar. 10, 2022 USD ($) shares	Oct. 14, 2021 USD ($)	Oct. 01, 2021 USD ($) shares	Oct. 31, 2021 USD ($) store	Mar. 31, 2022 USD ($)	Mar. 31, 2021 USD ($)
Schedule of Equity Method Investments [Line Items]
Dividends from unconsolidated affiliates							$ 1,660	$ 0
Subsequent Event
Schedule of Equity Method Investments [Line Items]
Number of additional shares acquired (in shares) \| shares		13,000,000
Number of common shares owned (in shares) \| shares		255,239,157
Percentage of common shares owned		40.67%
Simple Management Group, Inc
Schedule of Equity Method Investments [Line Items]
Number of stores \| store						20
Cash Converters International Limited
Schedule of Equity Method Investments [Line Items]
Number of additional shares acquired (in shares) \| shares			5,500,000		13,000,000
Payments to acquire equity method investment			$ 1,000		$ 2,500
Number of common shares owned (in shares) \| shares			242,239,157		236,702,991
Percentage of common shares owned			38.60%		37.72%
Dividends from unconsolidated affiliates				$ 1,700
Cash Converters International Limited \| Subsequent Event
Schedule of Equity Method Investments [Line Items]
Number of additional shares acquired (in shares) \| shares		13,000,000
Payments to acquire equity method investment		$ 2,500
Number of common shares owned (in shares) \| shares		255,239,157
Percentage of common shares owned		40.67%
Dividends from unconsolidated affiliates	$ 1,800	$ 1,800
Founders One LLC
Schedule of Equity Method Investments [Line Items]
Payments to acquire equity investment						$ 15,000
Equity securities, fv-ni							$ 15,000
Simple Management Group, Inc \| Founders One LLC
Schedule of Equity Method Investments [Line Items]
Payments to acquire equity investment						$ 15,000

Strategic Investments - Equity Method Investments (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2021
Summary of financial information for Cash Converters International Limited
Current assets	$ 612,771	$ 606,644	$ 612,771		$ 606,644		$ 610,861
Total assets	1,299,996	1,196,253	1,299,996		1,196,253		1,266,911
Current liabilities	137,187	121,480	137,187		121,480		155,088
Total liabilities and stockholders' equity	1,299,996	1,196,253	1,299,996		1,196,253		$ 1,266,911
Gross profit	128,928	113,748	261,039		222,138
Net profit (loss)	$ 14,887	$ 5,330	$ 30,608		$ 9,629
Cash Converters International Limited
Summary of financial information for Cash Converters International Limited
Current assets				$ 162,558		$ 170,412
Non-current assets				185,780		189,810
Total assets				348,338		360,222
Current liabilities				59,701		59,962
Non-current liabilities				59,915		58,368
Shareholders’ equity				228,722		241,892
Total liabilities and stockholders' equity				348,338		360,222
Gross revenues				84,185		71,153
Gross profit				55,280		51,231
Net profit (loss)				$ 1		$ 5,561

Fair Value Measurements - Additional Information (Details) - USD ($) $ in Thousands	1 Months Ended	6 Months Ended		12 Months Ended
	Apr. 30, 2019	Mar. 31, 2022	Mar. 31, 2021	Sep. 30, 2021	Mar. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Additional contingent payments		$ 4,600
Other investments		18,000	$ 0	$ 0
Carrying Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other investments		$ 18,000
Rich Data Corp
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity method of accounting ownership percentage		13.14%
Founders One LLC
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other investments		$ 15,000
2.89% promissory note receivable due April 2024
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Notes receivable, fair value	$ 1,100				$ 1,100
Interest on note receivable	2.89%	2.89%	2.89%	2.89%
2.89% promissory note receivable due April 2024 \| Carrying Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Notes receivable, fair value		$ 1,198	$ 1,164	$ 1,181

Fair Value Measurements - Financial Assets and Liabilities (Details) - USD ($) $ in Thousands	1 Months Ended	6 Months Ended		12 Months Ended
	Apr. 30, 2019	Mar. 31, 2022	Mar. 31, 2021	Sep. 30, 2021	Mar. 31, 2019
Financial assets:
Other investments		$ 18,000	$ 0	$ 0
Carrying Value
Financial assets:
Other investments		18,000
Estimated Fair Value
Financial assets:
Other investments		18,000
Estimated Fair Value \| Level 1
Financial assets:
Other investments		0
Estimated Fair Value \| Level 2
Financial assets:
Other investments		0
Estimated Fair Value \| Level 3
Financial assets:
Other investments		$ 18,000
2.89% promissory note receivable due April 2024
Financial assets:
Notes receivable, fair value	$ 1,100				$ 1,100
Financial liabilities:
Interest on note receivable	2.89%	2.89%	2.89%	2.89%
2.89% promissory note receivable due April 2024 \| Carrying Value
Financial assets:
Notes receivable, fair value		$ 1,198	$ 1,164	$ 1,181
2.89% promissory note receivable due April 2024 \| Estimated Fair Value
Financial assets:
Notes receivable, fair value		1,198	1,164	1,181
2.89% promissory note receivable due April 2024 \| Estimated Fair Value \| Level 1
Financial assets:
Notes receivable, fair value		0	0	0
2.89% promissory note receivable due April 2024 \| Estimated Fair Value \| Level 2
Financial assets:
Notes receivable, fair value		0	0	0
2.89% promissory note receivable due April 2024 \| Estimated Fair Value \| Level 3
Financial assets:
Notes receivable, fair value		1,198	1,164	1,181
Investments in unconsolidated affiliates \| Carrying Value
Financial assets:
Investments in unconsolidated affiliates		42,002	34,961	37,724
Investments in unconsolidated affiliates \| Estimated Fair Value
Financial assets:
Investments in unconsolidated affiliates		51,502	45,581	48,954
Investments in unconsolidated affiliates \| Estimated Fair Value \| Level 1
Financial assets:
Investments in unconsolidated affiliates		44,529	37,984	41,638
Investments in unconsolidated affiliates \| Estimated Fair Value \| Level 2
Financial assets:
Investments in unconsolidated affiliates		0	0	0
Investments in unconsolidated affiliates \| Estimated Fair Value \| Level 3
Financial assets:
Investments in unconsolidated affiliates		6,973	7,597	7,316
2024 Convertible Notes \| Carrying Value
Financial liabilities:
Debt instruments, fair value		142,248	120,307	123,543
2024 Convertible Notes \| Estimated Fair Value
Financial liabilities:
Debt instruments, fair value		141,594	132,609	153,281
2024 Convertible Notes \| Estimated Fair Value \| Level 1
Financial liabilities:
Debt instruments, fair value		0	0	0
2024 Convertible Notes \| Estimated Fair Value \| Level 2
Financial liabilities:
Debt instruments, fair value		141,594	132,609	153,281
2024 Convertible Notes \| Estimated Fair Value \| Level 3
Financial liabilities:
Debt instruments, fair value		0	0	0
2025 Convertible Notes \| Carrying Value
Financial liabilities:
Debt instruments, fair value		169,920	136,836	140,643
2025 Convertible Notes \| Estimated Fair Value
Financial liabilities:
Debt instruments, fair value		153,525	143,175	155,250
2025 Convertible Notes \| Estimated Fair Value \| Level 1
Financial liabilities:
Debt instruments, fair value		0	0	0
2025 Convertible Notes \| Estimated Fair Value \| Level 2
Financial liabilities:
Debt instruments, fair value		153,525	143,175	155,250
2025 Convertible Notes \| Estimated Fair Value \| Level 3
Financial liabilities:
Debt instruments, fair value		$ 0	$ 0	$ 0

Debt - Outstanding Obligations (Details) - USD ($)	Mar. 31, 2022	Oct. 01, 2021	Sep. 30, 2021	Mar. 31, 2021
Gross Amount
Total long-term debt	$ 316,250,000		$ 316,250,000	$ 316,250,000
Debt Discount and Issuance Costs
Total long-term debt	(4,082,000)		(52,064,000)	(59,107,000)
Carrying Amount
Total		$ 311,471,000
Total long-term debt	312,168,000		264,186,000	257,143,000
Senior Notes \| 2024 Convertible Notes
Gross Amount
Total	143,750,000		143,750,000	143,750,000
Debt Discount and Issuance Costs
Total	(1,502,000)		(20,207,000)	(23,443,000)
Carrying Amount
Total	142,248,000		123,543,000	120,307,000
Senior Notes \| 2025 Convertible Notes
Gross Amount
Total	172,500,000		172,500,000	172,500,000
Debt Discount and Issuance Costs
Total	(2,580,000)		(31,857,000)	(35,664,000)
Carrying Amount
Total	$ 169,920,000		$ 140,643,000	$ 136,836,000

Debt - Principal Payments (Details) - USD ($)	Mar. 31, 2022	Oct. 01, 2021	May 14, 2018	Jul. 05, 2017
Schedule of Contractual Maturities
Total	$ 316,250,000	$ 316,250,000
Less Than 1 Year	0
1 - 3 Years	143,750,000
3 - 5 Years	172,500,000
More Than 5 Years	0
2024 Convertible Notes
Schedule of Contractual Maturities
Total				$ 143,750,000
Senior Notes \| 2024 Convertible Notes
Schedule of Contractual Maturities
Total	143,750,000
Less Than 1 Year	0
1 - 3 Years	143,750,000
3 - 5 Years	0
More Than 5 Years	0
Senior Notes \| 2025 Convertible Notes
Schedule of Contractual Maturities
Total	172,500,000		$ 172,500,000
Less Than 1 Year	0
1 - 3 Years	0
3 - 5 Years	172,500,000
More Than 5 Years	$ 0

Debt - Interest Expense (Details) - Senior Notes - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
2024 Convertible Notes
Schedule of Contractual Maturities
Contractual interest expense	$ 1,033	$ 1,033	$ 2,066	$ 2,066
Amortization of deferred financing costs	142	111	309	223
Amortization of debt discount	0	1,461	0	2,891
Total interest expense	1,175	2,605	2,375	5,180
2025 Convertible Notes
Schedule of Contractual Maturities
Contractual interest expense	1,024	1,024	2,048	2,048
Amortization of deferred financing costs	182	141	389	281
Amortization of debt discount	0	1,712	0	3,391
Total interest expense	$ 1,206	$ 2,877	$ 2,437	$ 5,720

Debt - Additional Information (Details)	May 14, 2018 USD ($) day $ / shares	Jul. 05, 2017 USD ($) day $ / shares	Mar. 31, 2022 USD ($)	Oct. 01, 2021 USD ($)
Schedule of Contractual Maturities
Principal amount \| $			$ 316,250,000	$ 316,250,000
2024 Convertible Notes
Schedule of Contractual Maturities
Stated interest rate		2.875%
Principal amount \| $		$ 143,750,000
Effective interest rate			3.35%
2024 Convertible Notes \| Common Stock Class A Non-voting
Schedule of Contractual Maturities
Conversion rate per $1,000 principal amount		0.1
Conversion price, per share (in dollars per share) \| $ / shares		$ 10.00
2024 Convertible Notes \| Senior Notes
Schedule of Contractual Maturities
Principal amount \| $			$ 143,750,000
2024 Convertible Notes \| Senior Notes \| Common Stock Class A Non-voting \| Holder Option
Schedule of Contractual Maturities
Threshold trading days (whether or not consecutive)		20
Threshold consecutive trading days		30
Threshold percentage of stock price trigger		130.00%
Business day threshold		5 days
Threshold consecutive trading days		5 days
Maximum percentage of stock price product		98.00%
2024 Convertible Notes \| Senior Notes \| Common Stock Class A Non-voting \| Company Option
Schedule of Contractual Maturities
Threshold trading days (whether or not consecutive)		20
Threshold consecutive trading days		30
Threshold percentage of stock price trigger		130.00%
Repurchase price, percent of principal amount		100.00%
2025 Convertible Notes \| Senior Notes
Schedule of Contractual Maturities
Stated interest rate	2.375%
Principal amount \| $	$ 172,500,000		$ 172,500,000
Effective interest rate			2.88%
Conversion rate per $1,000 principal amount	0.0628931
Threshold trading days (whether or not consecutive)	20
Threshold consecutive trading days	30
Debt instrument, interest rate, semi-annual stated percentage	2.375%
Share price (in dollars per share) \| $ / shares	$ 15.90
2025 Convertible Notes \| Senior Notes \| Debt Instrument, Redemption, Period One
Schedule of Contractual Maturities
Threshold consecutive trading days	30
Threshold percentage of stock price trigger	130.00%
Repurchase price, percent of principal amount	100.00%
2025 Convertible Notes \| Senior Notes \| Debt Conversion, Condition One
Schedule of Contractual Maturities
Threshold trading days (whether or not consecutive)	20
Threshold percentage of stock price trigger	130.00%
2025 Convertible Notes \| Senior Notes \| Debt Conversion, Condition Two
Schedule of Contractual Maturities
Threshold consecutive trading days	5
Threshold percentage of stock price trigger	98.00%
Threshold business days	5

Common Stock and Stock Compensation - Additional Information (Details) - USD ($)	1 Months Ended	12 Months Ended
	Dec. 31, 2019	Sep. 30, 2020
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock repurchase program, period (in years)	3 years
Class A Common Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock repurchase program, amount authorized	$ 60,000,000
Common stock repurchased and retired (in shares)		943,149
Common stock repurchased and retired		$ 5,200,000

Common Stock and Stock Compensation - Restricted Stock Award Activity (Details) - Restricted stock	6 Months Ended
	Mar. 31, 2022 $ / shares shares
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]
Outstanding, beginning balance (in shares)	2,218,777
Granted (in shares)	1,362,750
Released (in shares)	(486,627)
Cancelled (in shares)	(711,844)
Outstanding, ending balance (in shares)	2,383,056
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract]
Outstanding, beginning balance (in dollars per share) \| $ / shares	$ 4.86
Granted (in dollars per share) \| $ / shares	7.37
Released (in dollars per share) \| $ / shares	4.77
Cancelled (in dollars per share) \| $ / shares	6.47
Outstanding, ending balance (in dollars per share) \| $ / shares	$ 6.30
Shares withheld to satisfy related income tax withholding (in shares)	101,103

Segment Information - Operating Segment Information (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022 USD ($)	Mar. 31, 2021 USD ($)	Mar. 31, 2022 USD ($) segment	Mar. 31, 2021 USD ($)
Segment Reporting [Abstract]
Number of reportable segments \| segment			3
Revenues:
Total revenues	$ 215,982	$ 184,939	$ 436,976	$ 363,074
Net revenues	128,928	113,748	261,039	222,138
Segment and corporate expenses (income):
Store expenses	85,743	81,149	172,514	160,458
General and administrative	12,227	13,771	27,772	26,281
Depreciation and amortization	7,450	8,089	15,024	15,661
(Gain) loss on sale or disposal of assets and other	(697)	112	(692)	90
Interest expense	2,527	5,518	4,958	10,973
Interest income	(255)	(585)	(559)	(1,406)
Equity in net loss of unconsolidated affiliates	1,439	(1,250)	301	(1,766)
Other expense	371	145	251	(454)
Income before income taxes	20,123	6,799	41,470	12,301
Segments
Revenues:
Total revenues	215,982	184,939	436,976	363,074
Net revenues	128,928	113,748	261,039	222,138
Segment and corporate expenses (income):
Store expenses	85,743	81,149	172,514	160,458
General and administrative	0	0	0	0
Depreciation and amortization	4,516	4,429	9,166	9,025
(Gain) loss on sale or disposal of assets and other	(9)	101	(4)	27
Interest expense	0	0	0	0
Interest income	(255)	(571)	(437)	(1,335)
Equity in net loss of unconsolidated affiliates	1,439	(1,250)	301	(1,766)
Other expense	342	94	196	(571)
Income before income taxes	37,152	29,796	79,303	56,300
Segments \| U.S. Pawn
Revenues:
Total revenues	162,340	147,014	325,977	283,513
Net revenues	100,929	92,053	202,759	177,649
Segment and corporate expenses (income):
Store expenses	64,492	63,657	129,181	125,749
General and administrative	0	0	0	0
Depreciation and amortization	2,625	2,636	5,295	5,372
(Gain) loss on sale or disposal of assets and other	0	0	0	27
Interest expense	0	0	0	0
Interest income	0	0	0	0
Equity in net loss of unconsolidated affiliates	0	0	0	0
Other expense	0	0	0	0
Income before income taxes	33,812	25,760	68,283	46,501
Segments \| Latin America Pawn
Revenues:
Total revenues	53,613	37,751	110,927	79,312
Net revenues	27,970	21,521	58,208	44,240
Segment and corporate expenses (income):
Store expenses	21,251	17,492	43,333	34,709
General and administrative	0	0	0	0
Depreciation and amortization	1,891	1,793	3,871	3,653
(Gain) loss on sale or disposal of assets and other	(9)	101	(4)	0
Interest expense	0	0	0	0
Interest income	(255)	(571)	(437)	(1,335)
Equity in net loss of unconsolidated affiliates	0	0	0	0
Other expense	334	85	200	(370)
Income before income taxes	4,758	2,621	11,245	7,583
Segments \| Other Investments
Revenues:
Total revenues	29	174	72	249
Net revenues	29	174	72	249
Segment and corporate expenses (income):
Store expenses	0	0	0	0
General and administrative	0	0	0	0
Depreciation and amortization	0	0	0	0
(Gain) loss on sale or disposal of assets and other	0	0	0	0
Interest expense	0	0	0	0
Interest income	0	0	0	0
Equity in net loss of unconsolidated affiliates	1,439	(1,250)	301	(1,766)
Other expense	8	9	(4)	(201)
Income before income taxes	(1,418)	1,415	(225)	2,216
Corporate Items
Revenues:
Total revenues	0	0	0	0
Net revenues	0	0	0	0
Segment and corporate expenses (income):
Store expenses	0	0	0	0
General and administrative	12,227	13,771	27,772	26,281
Depreciation and amortization	2,934	3,660	5,858	6,636
(Gain) loss on sale or disposal of assets and other	(688)	11	(688)	63
Interest expense	2,527	5,518	4,958	10,973
Interest income	0	(14)	(122)	(71)
Equity in net loss of unconsolidated affiliates	0	0	0	0
Other expense	29	51	55	117
Income before income taxes	(17,029)	(22,997)	(37,833)	(43,999)
Merchandise sales
Revenues:
Total revenues	133,556	115,225	271,276	223,008
Cost of goods sold	82,246	65,790	165,357	130,333
Merchandise sales \| Segments
Revenues:
Total revenues	133,556	115,225	271,276	223,008
Cost of goods sold	82,246	65,790	165,357	130,333
Merchandise sales \| Segments \| U.S. Pawn
Revenues:
Total revenues	100,064	93,827	202,142	176,080
Cost of goods sold	58,613	51,812	116,445	99,871
Merchandise sales \| Segments \| Latin America Pawn
Revenues:
Total revenues	33,492	21,398	69,134	46,928
Cost of goods sold	23,633	13,978	48,912	30,462
Merchandise sales \| Segments \| Other Investments
Revenues:
Total revenues	0	0	0	0
Cost of goods sold	0	0	0	0
Merchandise sales \| Corporate Items
Revenues:
Total revenues	0	0	0	0
Cost of goods sold	0	0	0	0
Jewelry scrapping sales
Revenues:
Total revenues	5,690	6,075	12,634	12,834
Cost of goods sold	4,808	5,401	10,580	10,603
Jewelry scrapping sales \| Segments
Revenues:
Total revenues	5,690	6,075	12,634	12,834
Cost of goods sold	4,808	5,401	10,580	10,603
Jewelry scrapping sales \| Segments \| U.S. Pawn
Revenues:
Total revenues	3,480	3,581	8,460	7,585
Cost of goods sold	2,798	3,149	6,773	5,993
Jewelry scrapping sales \| Segments \| Latin America Pawn
Revenues:
Total revenues	2,210	2,494	4,174	5,249
Cost of goods sold	2,010	2,252	3,807	4,610
Jewelry scrapping sales \| Segments \| Other Investments
Revenues:
Total revenues	0	0	0	0
Cost of goods sold	0	0	0	0
Jewelry scrapping sales \| Corporate Items
Revenues:
Total revenues	0	0	0	0
Cost of goods sold	0	0	0	0
Pawn service charges
Revenues:
Total revenues	76,683	63,436	152,708	126,925
Pawn service charges \| Segments
Revenues:
Total revenues	76,683	63,436	152,708	126,925
Pawn service charges \| Segments \| U.S. Pawn
Revenues:
Total revenues	58,772	49,577	115,329	99,797
Pawn service charges \| Segments \| Latin America Pawn
Revenues:
Total revenues	17,911	13,859	37,379	27,128
Pawn service charges \| Segments \| Other Investments
Revenues:
Total revenues	0	0	0	0
Pawn service charges \| Corporate Items
Revenues:
Total revenues	0	0	0	0
Other revenues, net
Revenues:
Total revenues	53	203	358	307
Cost of goods sold				0
Other revenues, net \| Segments
Revenues:
Total revenues	53	203	358	307
Cost of goods sold				0
Other revenues, net \| Segments \| U.S. Pawn
Revenues:
Total revenues	24	29	46	51
Cost of goods sold				0
Other revenues, net \| Segments \| Latin America Pawn
Revenues:
Total revenues	0	0	240	7
Cost of goods sold				0
Other revenues, net \| Segments \| Other Investments
Revenues:
Total revenues	29	174	72	249
Cost of goods sold
Other revenues, net \| Corporate Items
Revenues:
Total revenues	$ 0	$ 0	$ 0	0
Cost of goods sold				$ 0

Segment Reporting - Revenues and Long-Lived Assets by Geographic Information (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021	Mar. 31, 2021
Segment Reporting Information [Line Items]
Pawn loans	$ 173,618	$ 175,901	$ 125,268
Inventory, net	119,890	$ 110,989	86,214
Segments \| U.S. Pawn
Segment Reporting Information [Line Items]
Pawn loans	133,515		95,369
Inventory, net	93,320		69,782
Segments \| Latin America Pawn
Segment Reporting Information [Line Items]
Pawn loans	40,103		29,899
Inventory, net	26,570		16,432
Segments \| Other Investments
Segment Reporting Information [Line Items]
Pawn loans	0		0
Inventory, net	0		0
Corporate Items
Segment Reporting Information [Line Items]
Pawn loans	0		0
Inventory, net	$ 0		$ 0

Supplemental Consolidated Financial Information (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021	Mar. 31, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Gross pawn service charges receivable	$ 35,886	$ 37,360	$ 26,607
Allowance for uncollectible pawn service charges receivable	(7,567)	(8,023)	(5,765)
Pawn service charges receivable, net	28,319	29,337	20,842
Gross inventory	123,944	115,300	93,470
Inventory reserves	(4,054)	(4,311)	(7,256)
Inventory, net	119,890	110,989	86,214
Prepaid expenses and other	10,245	5,386	7,881
Accounts receivable and other	8,255	9,322	8,442
Income taxes receivable	8,767	16,302	14,353
Prepaid expenses and other current assets	27,267	31,010	30,676
Property and equipment, gross	293,087	284,867	273,513
Accumulated depreciation	(242,213)	(231,056)	(221,677)
Property and equipment, net	50,874	53,811	51,836
Accounts payable	17,756	22,462	17,957
Accrued payroll	8,631	9,093	8,867
Incentive accrual	8,196	16,868	6,682
Other payroll related expenses	7,877	10,695	12,187
Accrued sales and VAT taxes	8,022	10,936	9,064
Accrued income taxes payable	4,346	3,826	2,271
Other current liabilities	14,867	16,388	11,991
Accounts payable, accrued expenses and other current liabilities	$ 69,695	$ 90,268	$ 69,019

Subsequent Events (Details) - USD ($)							1 Months Ended	6 Months Ended
Subsequent Events (Details) - USD ($)	May 03, 2022	Apr. 14, 2022	Apr. 05, 2022	Mar. 10, 2022	Oct. 14, 2021	Oct. 01, 2021	Dec. 31, 2019	Mar. 31, 2022	Mar. 31, 2021
Subsequent Event [Line Items]
Stock repurchase program, period (in years)							3 years
Dividends from unconsolidated affiliates								$ 1,660,000	$ 0
Class A Common Stock
Subsequent Event [Line Items]
Stock repurchase program, amount authorized							$ 60,000,000
Subsequent Event
Subsequent Event [Line Items]
Number of additional shares acquired (in shares)			13,000,000
Equity method investment, number of common shares owned			255,239,157
Equity method of accounting ownership percentage			40.67%
Subsequent Event \| Class A Common Stock
Subsequent Event [Line Items]
Stock repurchase program, amount authorized	$ 50,000,000
Stock repurchase program, period (in years)	3 years
Cash Converters International Limited
Subsequent Event [Line Items]
Number of additional shares acquired (in shares)				5,500,000		13,000,000
Payments to acquire equity method investment				$ 1,000,000		$ 2,500,000
Equity method investment, number of common shares owned				242,239,157		236,702,991
Equity method of accounting ownership percentage				38.60%		37.72%
Dividends from unconsolidated affiliates					$ 1,700,000
Cash Converters International Limited \| Subsequent Event
Subsequent Event [Line Items]
Number of additional shares acquired (in shares)			13,000,000
Payments to acquire equity method investment			$ 2,500,000
Equity method investment, number of common shares owned			255,239,157
Equity method of accounting ownership percentage			40.67%
Dividends from unconsolidated affiliates		$ 1,800,000	$ 1,800,000