0000876523-24-000018 | 10-Q | XBRL Viewer

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CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited) (Parenthetical) - $ / shares	Mar. 31, 2024	Sep. 30, 2023	Mar. 31, 2023
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)	52,057,309	51,869,569	52,561,071
Common stock, shares outstanding (in shares)	52,057,309	51,869,569	52,561,071
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

Fair Value Measurements

6 Months Ended

Mar. 31, 2024

Fair Value Disclosures [Abstract]

Fair Value Measurements

NOTE 6: 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, 2024		March 31, 2024		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
Promissory note receivable due April 2024	$	1,268	$	1,268	$	—	$	—	$	1,268
Promissory note receivable from Founders	17,706		17,706		—		—		17,706

Investments in unconsolidated affiliates	13,162		41,135		40,285		—		850
Financial liabilities:
2024 Convertible Notes	$	34,347	$	34,303	$	—	$	34,303	$	—
2025 Convertible Notes	102,817		97,171		—		97,171		—
2029 Convertible Notes	223,756		268,893		—		268,893		—


	Carrying Value		Estimated Fair Value
	March 31, 2023		March 31, 2023		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
Promissory note receivable due April 2024	$	1,233	$	1,233	$	—	$	—	$	1,233
Promissory note receivable from Founders	15,600		15,600		—		—		15,600

Investments in unconsolidated affiliates	10,681		42,917		42,917		—		—

Financial liabilities:
2024 Convertible Notes	$	34,184	$	34,389	$	—	$	34,389	$	—
2025 Convertible Notes	102,312		94,690		—		94,690		—
2029 Convertible Notes	222,791		221,529		—		221,529		—


	Carrying Value		Estimated Fair Value
	September 30, 2023		September 30, 2023		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
Promissory note receivable due April 2024	$	1,251	$	1,251	$	—	$	—	$	1,251
Promissory note receivable from Founders	16,500		16,500		—		—		16,500
Investments in unconsolidated affiliates	10,987		35,998		35,998		—		—

Financial liabilities:
2024 Convertible Notes	$	34,265	$	35,765	$	—	$	35,765	$	—
2025 Convertible Notes	102,563		96,137		—		96,137		—
2029 Convertible Notes	223,284		224,112		—		224,112		—

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

The Company remeasured its acquisition-related contingent obligation associated with the acquisition in June 2021 of PLO del Bajio S. de R.S. de C.V., which owned stores operating under the name "Cash Apoyo Efectivo," at the end of each reporting period. This remeasurement resulted in a $2.5 million reduction of the obligation with an offset recorded to "Other" as an operating item in our condensed consolidated statement of operations during the second quarter of fiscal 2023. The remaining obligation of $2.5 million is included in "Accounts payable, accrued expenses and other current liabilities" in our Consolidated Balance Sheet as of March 31, 2023. 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. Based primarily on the short-term nature of the note, we estimate that its carrying value approximates fair value as of March 31, 2024. As of March 31, 2024, our $1.3 million carrying value of the promissory note is recorded within “Prepaid expenses and other current assets” in our condensed consolidated balance sheets. All principal and accrued interest was received in April 2024.

In December 2022, we loaned $15.0 million to Founders in exchange for a Demand Promissory Note secured by the common interest in Founders held by the other member. As of March 31, 2024, the interest rate on the note was 15.00% per annum, and all principal and accrued interest is due on demand. Based primarily on the short-term nature of the note, we estimate that its carrying value approximates fair value as of March 31, 2024.

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 measured the fair value of the 2024, 2025 and 2029 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.

- 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

Supplemental Consolidated Financial Information

6 Months Ended

Mar. 31, 2024

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Supplemental Consolidated Financial Information

NOTE 11: SUPPLEMENTAL CONSOLIDATED FINANCIAL INFORMATION

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


(in thousands)	March 31, 2024		March 31, 2023		September 30, 2023

Gross pawn service charges receivable	$	48,812	$	42,335	$	50,881
Allowance for uncollectible pawn service charges receivable	(10,544)		(9,219)		(11,996)
Pawn service charges receivable, net	$	38,268	$	33,116	$	38,885

Gross inventory	$	166,557	$	153,348	$	169,138
Inventory reserves	(3,128)		(3,051)		(2,661)
Inventory, net	$	163,429	$	150,297	$	166,477

Prepaid expenses and other	$	8,846	$	7,677	$	4,106
Accounts receivable, notes receivable and other	33,849		27,817		30,548
Income taxes prepaid and receivable	4,447		10,070		4,969
Prepaid expenses and other current assets	$	47,142	$	45,564	$	39,623

Property and equipment, gross	$	281,239	$	325,458	$	345,461
Accumulated depreciation	(217,933)		(265,683)		(277,365)
Property and equipment, net	$	63,306	$	59,775	$	68,096

Accounts payable	$	11,413	$	18,443	$	23,022
Accrued payroll	12,176		8,842		11,472
Incentive accrual	9,454		8,997		18,544
Other payroll related expenses	5,178		8,351		5,262
Accrued sales and VAT taxes	5,111		6,949		5,565
Accrued income taxes payable	3,014		3,662		2,628
Other current liabilities	16,492		17,451		15,112
Accounts payable, accrued expenses and other current liabilities	$	62,838	$	72,695	$	81,605

The following table provides supplemental disclosure of condensed consolidated statements of cash flows information:


	Six Months Ended March 31,
(in thousands)	2024		2023

Supplemental disclosure of cash flow information
Cash and cash equivalents at beginning of period	$	220,595	$	206,028
Restricted cash at beginning of period	8,373		8,341
Total cash and cash equivalents and restricted cash at beginning of period	$	228,968	$	214,369

Cash and cash equivalents at end of period	$	229,111	$	243,128
Restricted cash at end of period	8,581		8,451
Total cash and cash equivalents and restricted cash at end of period	$	237,692	$	251,579

Non-cash investing and financing activities:
Pawn loans forfeited and transferred to inventory	$	183,532	$	159,398

Transfer of equity consideration for acquisition	—		99
Acquisition earn-out contingency	—		2,000
Accrued acquisition consideration	616		1,145

Supplemental Consolidated Financial Information - Supplemental Consolidated Balance Sheet Information (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023	Mar. 31, 2023
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Gross pawn service charges receivable	$ 48,812	$ 50,881	$ 42,335
Allowance for uncollectible pawn service charges receivable	(10,544)	(11,996)	(9,219)
Pawn service charges receivable, net	38,268	38,885	33,116
Gross inventory	166,557	169,138	153,348
Inventory reserves	(3,128)	(2,661)	(3,051)
Inventory, net	163,429	166,477	150,297
Prepaid expenses and other	8,846	4,106	7,677
Accounts receivable, notes receivable and other	33,849	30,548	27,817
Income taxes prepaid and receivable	4,447	4,969	10,070
Prepaid expenses and other current assets	47,142	39,623	45,564
Property and equipment, gross	281,239	345,461	325,458
Accumulated depreciation	(217,933)	(277,365)	(265,683)
Property and equipment, net	63,306	68,096	59,775
Accounts payable	11,413	23,022	18,443
Accrued payroll	12,176	11,472	8,842
Incentive accrual	9,454	18,544	8,997
Other payroll related expenses	5,178	5,262	8,351
Accrued sales and VAT taxes	5,111	5,565	6,949
Accrued income taxes payable	3,014	2,628	3,662
Other current liabilities	16,492	15,112	17,451
Accounts payable, accrued expenses and other current liabilities	$ 62,838	$ 81,605	$ 72,695

Debt (Tables)

6 Months Ended

Mar. 31, 2024

Debt Disclosure [Abstract]

Schedule of Long Term Debt Instruments

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


	March 31, 2024						March 31, 2023						September 30, 2023
(in thousands)	Gross Amount		Debt Issuance Costs		Carrying Amount		Gross Amount		Debt Issuance Costs		Carrying Amount		Gross Amount		Debt Issuance Costs		Carrying Amount

2029 Convertible Notes	$	230,000	$	(6,244)	$	223,756	$	230,000	$	(7,209)	$	222,791	$	230,000	$	(6,716)	$	223,284
2025 Convertible Notes	103,373		(556)		102,817		103,373		(1,061)		102,312		103,373		(810)		102,563
2024 Convertible Notes	34,389		(42)		34,347		34,389		(205)		34,184		34,389		(124)		34,265

Total	$	367,762	$	(6,842)	$	360,920	$	367,762	$	(8,475)	$	359,287	$	367,762	$	(7,650)	$	360,112
Less current portion	34,389		(42)		34,347		—		—		—		34,389		(124)		34,265
Total long-term debt	$	333,373	$	(6,800)	$	326,573	$	367,762	$	(8,475)	$	359,287	$	333,373	$	(7,526)	$	325,847

Schedule of Maturities of Long-Term Debt

The following table presents the Company’s contractual maturities related to the debt instruments as of March 31, 2024:


	Schedule of Contractual Maturities
(in thousands)	2029 Convertible Notes		2025 Convertible Notes		2024 Convertible Notes		Total

Remaining 2024	$	—	$	—	$	34,389	$	34,389
Fiscal 2025	—		103,373		—		103,373
Fiscal 2026	—		—		—		—
Fiscal 2027	—		—		—		—
Fiscal 2028	—		—		—		—
Thereafter	230,000		—		—		230,000
Total long-term debt	$	230,000	$	103,373	$	34,389	$	367,762

Schedule of Interest Expense

The following table presents the Company’s interest expense related to the Convertible Notes for the three and six months ended March 31, 2024 and 2023:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands)	2024		2023		2024		2023

2029 Convertible Notes:
Contractual interest expense	$	2,157	$	2,156	$	4,313	$	2,587
Amortization of deferred financing costs	228		197		472		249

Total interest expense	$	2,385	$	2,353	$	4,785	$	2,836

2025 Convertible Notes:
Contractual interest expense	$	614	$	614	$	1,228	$	1,556
Amortization of deferred financing costs	123		120		254		308
Gain on extinguishment	—		—		—		(5,389)
Total interest expense	$	737	$	734	$	1,482	$	(3,525)

2024 Convertible Notes:
Contractual interest expense	$	247	$	247	$	494	$	1,123
Amortization of deferred financing costs	39		41		81		179
Loss on extinguishment	—		—		—		8,935
Total interest expense	$	286	$	288	$	575	$	10,237

- 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

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+ Details

Goodwill - Schedule of Goodwill (Details) - USD ($) $ in Thousands	6 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Goodwill [Roll Forward]
Beginning balance	$ 302,372	$ 286,828
Acquisitions	6,330	9,468
Effect of foreign currency translation changes	1,956	3,782
Ending balance	310,658	300,078
U.S. Pawn
Goodwill [Roll Forward]
Beginning balance	255,942	245,503
Acquisitions	6,330	9,468
Effect of foreign currency translation changes	0	0
Ending balance	262,272	254,971
Latin America Pawn
Goodwill [Roll Forward]
Beginning balance	46,430	41,325
Acquisitions	0	0
Effect of foreign currency translation changes	1,956	3,782
Ending balance	$ 48,386	$ 45,107

- Definition

Amount after accumulated impairment loss of an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.

+ References + Details

Organization and Summary of Significant Accounting Policies - Merchandise Sales Revenue Recognition (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023	Mar. 31, 2023
Accounting Policies [Abstract]
Customer layaway deposits	$ 20,352	$ 18,920	$ 18,761

Strategic Investments - Additional Information (Details) - USD ($) $ in Thousands		1 Months Ended		3 Months Ended		6 Months Ended
	Dec. 02, 2022	Oct. 31, 2023	Oct. 31, 2021	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023	Sep. 30, 2023
Schedule of Equity Method Investments [Line Items]
Dividends from unconsolidated affiliates						$ 0	$ 1,775
Income (loss) from equity method investments				$ 1,719	$ (32,501)	2,872	(30,917)
Notes receivable, net				$ 0	1,233	$ 0	1,233	$ 0
Cash Converters International Limited
Schedule of Equity Method Investments [Line Items]
Shares owned (in shares)				273,939,157		273,939,157
Ownership percentage				43.70%		43.70%
Percentage of ownership increase						30.00%
Dividends from unconsolidated affiliates						$ 1,700	1,800
Founders One LLC
Schedule of Equity Method Investments [Line Items]
Payments to acquire equity investment	$ 15,000	$ 15,000	$ 15,000
Notes receivable, net				$ 15,000		15,000
Equity securities, fair value		$ 45,000		45,000		45,000
Cash Converted International Limited
Schedule of Equity Method Investments [Line Items]
Income (loss) from equity method investments				$ 1,700	(32,500)	$ 2,900	$ (30,900)
Impairment					$ 32,400

Segment Information

6 Months Ended

Mar. 31, 2024

Segment Reporting [Abstract]

Segment Information

NOTE 10: 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 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 income of Cash Converters along with our investment in RDC and our investment in and notes receivable from 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 income (loss) before income taxes tables present revenue for each reportable segment, disaggregated revenue within our reportable segments and Corporate, segment profits and segment contribution.


	Three Months Ended March 31, 2024
(in thousands)	U.S. Pawn		Latin America Pawn		Other Investments		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	114,849	$	49,838	$	—	$	164,687	$	—	$	164,687
Jewelry scrapping sales	12,686		1,028		—		13,714		—		13,714
Pawn service charges	80,010		27,153		—		107,163		—		107,163
Other revenues	29		15		31		75		—		75
Total revenues	207,574		78,034		31		285,639		—		285,639
Merchandise cost of goods sold	72,798		33,461		—		106,259		—		106,259
Jewelry scrapping cost of goods sold	10,794		994		—		11,788		—		11,788

Gross profit	123,982		43,579		31		167,592		—		167,592
Segment and corporate expenses (income):
Store expenses	80,840		33,742		—		114,582		—		114,582
General and administrative	—		—		—		—		18,266		18,266

Depreciation and amortization	2,516		2,392		—		4,908		3,311		8,219
(Gain) loss on sale or disposal of assets and other	(30)		(66)		—		(96)		99		3
Other income	—		—		—		—		(765)		(765)
Interest expense	—		—		—		—		3,402		3,402
Interest income	—		(608)		(633)		(1,241)		(1,641)		(2,882)
Equity in net income of unconsolidated affiliates	—		—		(1,719)		(1,719)		—		(1,719)

Other expense (income)	—		1		14		15		(180)		(165)

Segment contribution	$	40,656	$	8,118	$	2,369	$	51,143
Income (loss) before income taxes							$	51,143	$	(22,492)	$	28,651


	Three Months Ended March 31, 2023
(in thousands)	U.S. Pawn		Latin America Pawn		Other Investments		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	108,740	$	43,767	$	—	$	152,507	$	—	$	152,507
Jewelry scrapping sales	9,814		3,011		—		12,825		—		12,825
Pawn service charges	69,945		23,085		—		93,030		—		93,030
Other revenues	32		19		10		61		—		61
Total revenues	188,531		69,882		10		258,423		—		258,423
Merchandise cost of goods sold	67,643		29,696		—		97,339		—		97,339
Jewelry scrapping cost of goods sold	8,550		3,352		—		11,902		—		11,902

Gross profit	112,338		36,834		10		149,182		—		149,182
Segment and corporate expenses (income):
Store expenses	71,946		29,323		—		101,269		—		101,269
General and administrative	—		—		—		—		15,609		15,609

Depreciation and amortization	2,560		2,332		—		4,892		3,071		7,963
Loss (gain) on sale or disposal of assets	81		(8)		—		73		—		73
Other income	—		(2,465)		—		(2,465)		—		(2,465)
Interest expense	—		—		—		—		3,390		3,390
Interest income	(1)		(298)		—		(299)		(1,599)		(1,898)
Equity in net loss of unconsolidated affiliates	—		—		32,501		32,501		—		32,501

Other (income) expense	—		(46)		6		(40)		120		80
Segment contribution (loss)	$	37,752	$	7,996	$	(32,497)	$	13,251
Income (loss) before income taxes							$	13,251	$	(20,591)	$	(7,340)


	Six Months Ended March 31, 2024
(in thousands)	U.S. Pawn		Latin America Pawn		Other Investments		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	240,362	$	103,728	$	—	$	344,090	$	—	$	344,090
Jewelry scrapping sales	25,501		2,295		—		27,796		—		27,796
Pawn service charges	159,083		54,529		—		213,612		—		213,612
Other revenues	66		31		35		132		—		132
Total revenues	425,012		160,583		35		585,630		—		585,630
Merchandise cost of goods sold	151,507		69,962		—		221,469		—		221,469
Jewelry scrapping cost of goods sold	22,078		1,918		—		23,996		—		23,996

Gross profit	251,427		88,703		35		340,165		—		340,165
Segment and corporate expenses (income):
Store expenses	158,095		67,042		—		225,137		—		225,137
General and administrative	—		—		—		—		34,809		34,809

Depreciation and amortization	5,140		4,731		—		9,871		6,913		16,784
(Gain) loss on sale or disposal of assets and other	(4)		(262)		—		(266)		97		(169)
Other income	—		—		—		—		(765)		(765)
Interest expense	—		—		—		—		6,842		6,842
Interest income	—		(1,028)		(1,206)		(2,234)		(3,287)		(5,521)
Equity in net loss of unconsolidated affiliates	—		—		(2,872)		(2,872)		—		(2,872)

Other (income) expense	—		(47)		15		(32)		(404)		(436)

Segment contribution	$	88,196	$	18,267	$	4,098	$	110,561
Income (loss) before income taxes							$	110,561	$	(44,205)	$	66,356


	Six Months Ended March 31, 2023
(in thousands)	U.S. Pawn		Latin America Pawn		Other Investments		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	227,054	$	89,240	$	—	$	316,294	$	—	$	316,294
Jewelry scrapping sales	16,990		3,719		—		20,709		—		20,709
Pawn service charges	139,255		46,368		—		185,623		—		185,623
Other revenues	57		35		32		124		—		124
Total revenues	383,356		139,362		32		522,750		—		522,750
Merchandise cost of goods sold	140,899		61,317		—		202,216		—		202,216
Jewelry scrapping cost of goods sold	14,766		4,089		—		18,855		—		18,855

Gross profit	227,691		73,956		32		301,679		—		301,679
Segment and corporate expenses (income):
Store expenses	145,250		56,822		—		202,072		—		202,072
General and administrative	—		(3)		—		(3)		31,088		31,085

Depreciation and amortization	5,315		4,547		—		9,862		6,089		15,951
Loss (gain) on sale or disposal of assets	84		(27)		—		57		—		57
Other income	—		(2,465)		—		(2,465)		—		(2,465)
Interest expense	—		—		—		—		9,580		9,580
Interest income	(1)		(467)		—		(468)		(2,094)		(2,562)
Equity in net loss of unconsolidated affiliates	—		—		30,917		30,917		—		30,917
Other expense (income)	—		24		10		34		(188)		(154)
Segment contribution (loss)	$	77,043	$	15,525	$	(30,895)	$	61,673
Income (loss) before income taxes							$	61,673	$	(44,475)	$	17,198

The following table presents separately identified segment assets:


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

As of March 31, 2024
Pawn loans	$	173,744	$	62,029	$	—	$	—	$	235,773
Pawn service charges receivable, net	33,218		5,050		—		—		38,268
Inventory, net	121,863		41,566		—		—		163,429
Total assets	1,003,447		330,256		81,238		93,201		1,508,142

As of March 31, 2023
Pawn loans	$	157,043	$	49,053	$	—	$	—	$	206,096
Pawn service charges receivable, net	28,944		4,172		—		—		33,116
Inventory, net	112,147		38,150		—		—		150,297
Total assets	901,745		291,886		66,011		160,890		1,420,532

As of September 30, 2023
Pawn loans	$	190,624	$	55,142	$	—	$	—	$	245,766
Pawn service charges receivable, net	34,318		4,567		—		—		38,885
Inventory, net	128,901		37,576		—		—		166,477
Total assets	984,539		313,164		63,707		106,301		1,467,711

(a) Segment assets as of September 30, 2023 have been recast to conform to current year presentation as CCV no longer meets the 10 percent threshold to be considered its own segment.

- 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
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 22
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-22

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 15
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-15

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 31
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-31

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-32

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 42
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-42

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-32

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 40
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-40

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org//280/tableOfContent

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 26
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-26

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 34
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-34

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 41
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-41

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 21
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-21

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 21
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-21

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
-Topic 280
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 32
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482810/280-10-50-32

+ Details

CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Revenues:
Total revenues	$ 285,639	$ 258,423	$ 585,630	$ 522,750
Gross profit	167,592	149,182	340,165	301,679
Operating expenses:
Store expenses	114,582	101,269	225,137	202,072
General and administrative	18,266	15,609	34,809	31,085
Depreciation and amortization	8,219	7,963	16,784	15,951
Loss (gain) on sale or disposal of assets and other	3	73	(169)	57
Other income	(765)	(2,465)	(765)	(2,465)
Total operating expenses	140,305	122,449	275,796	246,700
Operating income	27,287	26,733	64,369	54,979
Interest expense	3,402	3,390	6,842	9,580
Interest income	(2,882)	(1,898)	(5,521)	(2,562)
Equity in net (income) loss of unconsolidated affiliates	(1,719)	32,501	(2,872)	30,917
Other (income) expense	(165)	80	(436)	(154)
Income (loss) before income taxes	28,651	(7,340)	66,356	17,198
Income tax expense (benefit)	7,172	(550)	16,407	7,210
Net income (loss)	$ 21,479	$ (6,790)	$ 49,949	$ 9,988
Basic earnings (loss) per share (in dollars per share)	$ 0.39	$ (0.12)	$ 0.91	$ 0.18
Diluted earnings (loss) per share (in dollars per share)	$ 0.29	$ (0.12)	$ 0.65	$ 0.11
Weighted-average basic shares outstanding (in shares)	55,093	55,648	55,084	55,981
Weighted-average diluted shares outstanding (in shares)	83,045	55,648	84,948	65,269
Merchandise sales
Revenues:
Total revenues	$ 164,687	$ 152,507	$ 344,090	$ 316,294
Cost of revenues	106,259	97,339	221,469	202,216
Jewelry scrapping sales
Revenues:
Total revenues	13,714	12,825	27,796	20,709
Cost of revenues	11,788	11,902	23,996	18,855
Pawn service charges
Revenues:
Total revenues	107,163	93,030	213,612	185,623
Other revenues
Revenues:
Total revenues	$ 75	$ 61	$ 132	$ 124

Strategic Investments - Equity Method Investments (Details) - USD ($) $ in Thousands	3 Months Ended				6 Months Ended
	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2024	Mar. 31, 2023	Sep. 30, 2023	Sep. 30, 2022
Summary of financial information for Cash Converters International Limited
Current assets	$ 722,304		$ 686,652		$ 722,304	$ 686,652	$ 719,719
Total assets	1,508,142		1,420,532		1,508,142	1,420,532	1,467,711
Current liabilities	173,195		145,377		173,195	145,377	191,972
Shareholders’ equity	800,396	$ 774,883	712,588	$ 705,335	800,396	712,588	745,768	$ 692,231
Total liabilities and equity	1,508,142		1,420,532		1,508,142	1,420,532	$ 1,467,711
Gross profit	167,592		149,182		340,165	301,679
Net profit (loss)	21,479	28,470	(6,790)	16,778	$ 49,949	$ 9,988
Cash Converters International Limited
Summary of financial information for Cash Converters International Limited
Current assets		186,572		189,179
Non-current assets		137,271		98,301
Total assets		323,843		287,480
Current liabilities		101,097		91,601
Non-current liabilities		79,926		56,792
Shareholders’ equity		142,820		139,087
Total liabilities and equity		$ 323,843		$ 287,480
Gross revenues	124,874		98,768
Gross profit	73,675		63,800
Net profit (loss)	$ 6,499		$ (73,197)

Segment Information - Operating Segment Information (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2024 USD ($)	Mar. 31, 2023 USD ($)	Mar. 31, 2024 USD ($) segment	Mar. 31, 2023 USD ($)
Segment Reporting Information [Line Items]
Number of reportable segments \| segment			3
Revenues:
Total revenues	$ 285,639	$ 258,423	$ 585,630	$ 522,750
Gross profit	167,592	149,182	340,165	301,679
Segment and corporate expenses (income):
Store expenses	114,582	101,269	225,137	202,072
General and administrative	18,266	15,609	34,809	31,085
Depreciation and amortization	8,219	7,963	16,784	15,951
Loss (gain) on sale or disposal of assets and other	3	73	(169)	57
Other income		(2,465)	(765)	(2,465)
Interest expense	3,402	3,390	6,842	9,580
Interest income	(2,882)	(1,898)	(5,521)	(2,562)
Equity in net income of unconsolidated affiliates	(1,719)	32,501	(2,872)	30,917
Other expense (income)	(165)	80	(436)	(154)
Income (loss) before income taxes	28,651	(7,340)	66,356	17,198
Operating Segments
Revenues:
Total revenues	285,639	258,423	585,630	522,750
Gross profit	167,592	149,182	340,165	301,679
Segment and corporate expenses (income):
Store expenses	114,582	101,269	225,137	202,072
General and administrative	0	0	0	(3)
Depreciation and amortization	4,908	4,892	9,871	9,862
Loss (gain) on sale or disposal of assets and other	(96)	73	(266)	57
Other income		(2,465)	0	(2,465)
Interest expense	0	0	0	0
Interest income	(1,241)	(299)	(2,234)	(468)
Equity in net income of unconsolidated affiliates	(1,719)	32,501	(2,872)	30,917
Other expense (income)	15	(40)	(32)	34
Income (loss) before income taxes	51,143	13,251	110,561	61,673
Operating Segments \| U.S. Pawn
Revenues:
Total revenues	207,574	188,531	425,012	383,356
Gross profit	123,982	112,338	251,427	227,691
Segment and corporate expenses (income):
Store expenses	80,840	71,946	158,095	145,250
General and administrative	0	0	0	0
Depreciation and amortization	2,516	2,560	5,140	5,315
Loss (gain) on sale or disposal of assets and other	(30)	81	(4)	84
Other income		0	0	0
Interest expense	0	0	0	0
Interest income	0	(1)	0	(1)
Equity in net income of unconsolidated affiliates	0	0	0	0
Other expense (income)	0	0	0	0
Income (loss) before income taxes	40,656	37,752	88,196	77,043
Operating Segments \| Latin America Pawn
Revenues:
Total revenues	78,034	69,882	160,583	139,362
Gross profit	43,579	36,834	88,703	73,956
Segment and corporate expenses (income):
Store expenses	33,742	29,323	67,042	56,822
General and administrative	0	0	0	(3)
Depreciation and amortization	2,392	2,332	4,731	4,547
Loss (gain) on sale or disposal of assets and other	(66)	(8)	(262)	(27)
Other income		(2,465)	0	(2,465)
Interest expense	0	0	0	0
Interest income	(608)	(298)	(1,028)	(467)
Equity in net income of unconsolidated affiliates	0	0	0	0
Other expense (income)	1	(46)	(47)	24
Income (loss) before income taxes	8,118	7,996	18,267	15,525
Operating Segments \| Other Investments
Revenues:
Total revenues	31	10	35	32
Gross profit	31	10	35	32
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
Loss (gain) on sale or disposal of assets and other	0	0	0	0
Other income		0	0	0
Interest expense	0	0	0	0
Interest income	(633)	0	(1,206)	0
Equity in net income of unconsolidated affiliates	(1,719)	32,501	(2,872)	30,917
Other expense (income)	14	6	15	10
Income (loss) before income taxes	2,369	(32,497)	4,098	(30,895)
Corporate Items
Revenues:
Total revenues	0	0	0	0
Gross profit	0	0	0	0
Segment and corporate expenses (income):
Store expenses	0	0	0	0
General and administrative	18,266	15,609	34,809	31,088
Depreciation and amortization	3,311	3,071	6,913	6,089
Loss (gain) on sale or disposal of assets and other	99	0	97	0
Other income		0	(765)	0
Interest expense	3,402	3,390	6,842	9,580
Interest income	(1,641)	(1,599)	(3,287)	(2,094)
Equity in net income of unconsolidated affiliates	0	0	0	0
Other expense (income)	(180)	120	(404)	(188)
Income (loss) before income taxes	(22,492)	(20,591)	(44,205)	(44,475)
Merchandise sales
Revenues:
Total revenues	164,687	152,507	344,090	316,294
Cost of goods sold	106,259	97,339	221,469	202,216
Merchandise sales \| Operating Segments
Revenues:
Total revenues	164,687	152,507	344,090	316,294
Cost of goods sold	106,259	97,339	221,469	202,216
Merchandise sales \| Operating Segments \| U.S. Pawn
Revenues:
Total revenues	114,849	108,740	240,362	227,054
Cost of goods sold	72,798	67,643	151,507	140,899
Merchandise sales \| Operating Segments \| Latin America Pawn
Revenues:
Total revenues	49,838	43,767	103,728	89,240
Cost of goods sold	33,461	29,696	69,962	61,317
Merchandise sales \| Operating 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	13,714	12,825	27,796	20,709
Cost of goods sold	11,788	11,902	23,996	18,855
Jewelry scrapping sales \| Operating Segments
Revenues:
Total revenues	13,714	12,825	27,796	20,709
Cost of goods sold	11,788	11,902	23,996	18,855
Jewelry scrapping sales \| Operating Segments \| U.S. Pawn
Revenues:
Total revenues	12,686	9,814	25,501	16,990
Cost of goods sold	10,794	8,550	22,078	14,766
Jewelry scrapping sales \| Operating Segments \| Latin America Pawn
Revenues:
Total revenues	1,028	3,011	2,295	3,719
Cost of goods sold	994	3,352	1,918	4,089
Jewelry scrapping sales \| Operating 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	107,163	93,030	213,612	185,623
Pawn service charges \| Operating Segments
Revenues:
Total revenues	107,163	93,030	213,612	185,623
Pawn service charges \| Operating Segments \| U.S. Pawn
Revenues:
Total revenues	80,010	69,945	159,083	139,255
Pawn service charges \| Operating Segments \| Latin America Pawn
Revenues:
Total revenues	27,153	23,085	54,529	46,368
Pawn service charges \| Operating Segments \| Other Investments
Revenues:
Total revenues	0	0	0	0
Pawn service charges \| Corporate Items
Revenues:
Total revenues	0	0	0	0
Other revenues
Revenues:
Total revenues	75	61	132	124
Other revenues \| Operating Segments
Revenues:
Total revenues	75	61	132	124
Other revenues \| Operating Segments \| U.S. Pawn
Revenues:
Total revenues	29	32	66	57
Other revenues \| Operating Segments \| Latin America Pawn
Revenues:
Total revenues	15	19	31	35
Other revenues \| Operating Segments \| Other Investments
Revenues:
Total revenues	31	10	35	32
Other revenues \| Corporate Items
Revenues:
Total revenues	$ 0	$ 0	$ 0	$ 0

Debt

6 Months Ended

Mar. 31, 2024

Debt Disclosure [Abstract]

Debt

NOTE 7: DEBT

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


	March 31, 2024						March 31, 2023						September 30, 2023
(in thousands)	Gross Amount		Debt Issuance Costs		Carrying Amount		Gross Amount		Debt Issuance Costs		Carrying Amount		Gross Amount		Debt Issuance Costs		Carrying Amount

2029 Convertible Notes	$	230,000	$	(6,244)	$	223,756	$	230,000	$	(7,209)	$	222,791	$	230,000	$	(6,716)	$	223,284
2025 Convertible Notes	103,373		(556)		102,817		103,373		(1,061)		102,312		103,373		(810)		102,563
2024 Convertible Notes	34,389		(42)		34,347		34,389		(205)		34,184		34,389		(124)		34,265

Total	$	367,762	$	(6,842)	$	360,920	$	367,762	$	(8,475)	$	359,287	$	367,762	$	(7,650)	$	360,112
Less current portion	34,389		(42)		34,347		—		—		—		34,389		(124)		34,265
Total long-term debt	$	333,373	$	(6,800)	$	326,573	$	367,762	$	(8,475)	$	359,287	$	333,373	$	(7,526)	$	325,847

The following table presents the Company’s contractual maturities related to the debt instruments as of March 31, 2024:


	Schedule of Contractual Maturities
(in thousands)	2029 Convertible Notes		2025 Convertible Notes		2024 Convertible Notes		Total

Remaining 2024	$	—	$	—	$	34,389	$	34,389
Fiscal 2025	—		103,373		—		103,373
Fiscal 2026	—		—		—		—
Fiscal 2027	—		—		—		—
Fiscal 2028	—		—		—		—
Thereafter	230,000		—		—		230,000
Total long-term debt	$	230,000	$	103,373	$	34,389	$	367,762

The following table presents the Company’s interest expense related to the Convertible Notes for the three and six months ended March 31, 2024 and 2023:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands)	2024		2023		2024		2023

2029 Convertible Notes:
Contractual interest expense	$	2,157	$	2,156	$	4,313	$	2,587
Amortization of deferred financing costs	228		197		472		249

Total interest expense	$	2,385	$	2,353	$	4,785	$	2,836

2025 Convertible Notes:
Contractual interest expense	$	614	$	614	$	1,228	$	1,556
Amortization of deferred financing costs	123		120		254		308
Gain on extinguishment	—		—		—		(5,389)
Total interest expense	$	737	$	734	$	1,482	$	(3,525)

2024 Convertible Notes:
Contractual interest expense	$	247	$	247	$	494	$	1,123
Amortization of deferred financing costs	39		41		81		179
Loss on extinguishment	—		—		—		8,935
Total interest expense	$	286	$	288	$	575	$	10,237

3.750% Convertible Senior Notes Due 2029

In December 2022, we issued $230.0 million aggregate principal amount of 3.750% Convertible Senior Notes Due 2029 (the “2029 Convertible Notes”), for which $230.0 million remains outstanding as of March 31, 2024. The 2029 Convertible Notes were issued pursuant to an indenture dated December 12, 2022 (the “2022 Indenture”) by and between the Company and Truist Bank, as trustee. The 2029 Convertible Notes were issued in a private offering under Rule 144A under the Securities Act of 1933. The 2029 Convertible Notes pay interest semi-annually in arrears at a rate of 3.750% per annum on June 15 and December 15 of each year, commencing June 15, 2023, and mature on December 15, 2029 (the “2029 Maturity Date”), unless converted, redeemed or repurchased in accordance with the terms prior to such date. At maturity, the holders of the 2029 Convertible Notes will be entitled to receive cash equal to the principal of the 2029 Convertible Notes plus accrued interest.

The effective interest rate for the three and six months ended March 31, 2024 was approximately 4.28%. As of March 31, 2024, the remaining unamortized debt issuance costs will be amortized using the effective interest method through the 2029 Maturity Date assuming no early conversion.

The 2029 Convertible Notes are convertible based on an initial conversion rate of 89.0313 shares of Class A Common Stock per $1,000 principal amount (equivalent to an initial conversion price of $11.23 per share). The conversion rate will not be adjusted for any accrued and unpaid interest. The 2029 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 June 15, 2029, the 2029 Convertible Notes will be convertible only under the following circumstances: (1) during any fiscal quarter commencing after the fiscal quarter ending on March 31, 2023 (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 2022 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 2029 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 2022 Indenture. On or after June 15, 2029 until the close of business on the business day immediately preceding the 2029 Maturity Date, holders of 2029 Convertible Notes may, at their option, convert their 2029 Convertible Notes at any time, regardless of the foregoing circumstances.

We may not redeem the 2029 Convertible Notes prior to December 21, 2026. At our option, we may redeem for cash all or any portion of the 2029 Convertible Notes on or after December 21, 2026, 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 2029 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, 2024. As of March 31, 2024, the if-converted value of the 2029 Convertible Notes did not exceed the principal amount.

Note Repurchases

In December 2022, the Company repurchased approximately $109.4 million aggregate principal amount of 2.875% Convertible Senior Notes Due 2024 for approximately $117.5 million plus accrued interest and approximately $69.1 million aggregate principal amount of 2.375% Convertible Senior Notes Due 2025 for approximately $62.9 million plus accrued interest and recognized a $3.5 million loss on extinguishment of debt recorded to “Interest expense” in the Company’s condensed consolidated statement of operations for the three months ended December 31, 2022.

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”), for which $103.4 million remains outstanding as of March 31, 2024. 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 ended March 31, 2024 was approximately 2.88% for the 2025 Convertible Notes. As of March 31, 2024, 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.

At our option, we may redeem for cash all or any portion of the 2025 Convertible Notes 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, 2024. As of March 31, 2024, the if-converted value of the 2025 Convertible Notes did not exceed the principal amount.

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”), of which $34.4 million remains outstanding as of March 31, 2024. 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 ended March 31, 2024 was approximately 3.35%. As of March 31, 2024, 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.

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.

Because we did not elect an alternative settlement method prior to January 1, 2024, conversions will be settled by combination settlement, which is $1,000 cash (per the $1,000 principal value) plus stock equal to the accreted value as defined in the 2017 Indenture.

As of March 31, 2024, based on the terms of the 2017 Indenture, the if-converted value of the 2024 Convertible Notes exceeded the principal amount by $2.2 million, or approximately 205,000 Class A common shares. As of March 31, 2024, no holders of the 2024 Convertible Notes have delivered a conversion notice.

- 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://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 235
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08(c))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480678/235-10-S99-1

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 470
-Name Accounting Standards Codification
-Publisher FASB
-URI https://asc.fasb.org//470/tableOfContent

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1B
-Subparagraph (i)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1B

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1C
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1C

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1C
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1C

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1C
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1C

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1E
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1E

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1I
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1I

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1I
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1I

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1I
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1I

+ Details

Leases - Lessee Assets and Liabilities (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023	Mar. 31, 2023
Lease assets:
Operating lease right-of-use assets	$ 243,752	$ 234,388	$ 234,287
Financing lease assets	2,094	2,178	1,289
Total lease assets	245,846	236,566	235,576
Current:
Operating lease liabilities	55,658	57,182	53,921
Financing lease liabilities	583	530	282
Total current lease liabilities	56,241	57,712	54,203
Non-current:
Operating lease liabilities	197,285	193,187	191,874
Financing lease liabilities	1,626	1,715	1,024
Total non-current lease liabilities	198,911	194,902	192,898
Total lease liabilities	$ 255,152	$ 252,614	$ 247,101
Finance Lease, Other Assets, Statement of Financial Position [Extensible Enumeration]	Other Assets, Noncurrent	Other Assets, Noncurrent	Other Assets, Noncurrent
Finance Lease, Liability, Current, Statement of Financial Position [Extensible Enumeration]	Accounts payable, accrued expenses and other current liabilities	Accounts payable, accrued expenses and other current liabilities	Accounts payable, accrued expenses and other current liabilities
Finance Lease, Liability, Noncurrent, Statement of Financial Position [Extensible Enumeration]	Other Liabilities, Noncurrent	Other Liabilities, Noncurrent	Other Liabilities, Noncurrent

CONDENSED CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY (Unaudited) - USD ($) shares in Thousands, $ in Thousands	Total	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Loss
Beginning balance (in shares) at Sep. 30, 2022		56,425
Beginning balance at Sep. 30, 2022	$ 692,231	$ 564	$ 345,330	$ 402,006	$ (55,669)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	1,886		1,886
Transfer of equity consideration for acquisition (in shares)		10
Transfer of equity consideration for acquisition	99		99
Release of restricted stock, net of shares withheld for taxes (in shares)		235
Release of restricted stock, net of shares withheld for taxes	2	$ 2
Taxes paid related to net share settlement of equity awards	(1,138)		(1,138)
Foreign currency translation gain	2,504				2,504
Purchase and retirement of treasury stock (in shares)		(822)
Purchase and retirement of treasury stock	(7,027)	$ (7)	(3,165)	(3,855)
Net income (loss)	16,778			16,778
Ending balance (in shares) at Dec. 31, 2022		55,848
Ending balance at Dec. 31, 2022	705,335	$ 559	343,012	414,929	(53,165)
Beginning balance (in shares) at Sep. 30, 2022		56,425
Beginning balance at Sep. 30, 2022	692,231	$ 564	345,330	402,006	(55,669)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)	9,988
Ending balance (in shares) at Mar. 31, 2023		55,531
Ending balance at Mar. 31, 2023	712,588	$ 556	343,088	405,961	(37,017)
Beginning balance (in shares) at Dec. 31, 2022		55,848
Beginning balance at Dec. 31, 2022	705,335	$ 559	343,012	414,929	(53,165)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	1,855		1,855
Release of restricted stock, net of shares withheld for taxes (in shares)		132
Release of restricted stock, net of shares withheld for taxes	2	$ 2
Taxes paid related to net share settlement of equity awards (in shares)		(1)
Taxes paid related to net share settlement of equity awards	(11)		(11)
Foreign currency translation gain	16,148				16,148
Purchase and retirement of treasury stock (in shares)		(448)
Purchase and retirement of treasury stock	(3,951)	$ (5)	(1,768)	(2,178)
Net income (loss)	(6,790)			(6,790)
Ending balance (in shares) at Mar. 31, 2023		55,531
Ending balance at Mar. 31, 2023	712,588	$ 556	343,088	405,961	(37,017)
Beginning balance (in shares) at Sep. 30, 2023		54,840
Beginning balance at Sep. 30, 2023	745,768	$ 549	346,181	431,140	(32,102)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	2,264		2,264
Release of restricted stock, net of shares withheld for taxes (in shares)		758
Release of restricted stock, net of shares withheld for taxes	8	$ 8
Taxes paid related to net share settlement of equity awards	(3,253)		(3,253)
Foreign currency translation gain	4,633				4,633
Purchase and retirement of treasury stock (in shares)		(355)
Purchase and retirement of treasury stock	(3,007)	$ (4)	(1,322)	(1,681)
Net income (loss)	28,470			28,470
Ending balance (in shares) at Dec. 31, 2023		55,243
Ending balance at Dec. 31, 2023	774,883	$ 553	343,870	457,929	(27,469)
Beginning balance (in shares) at Sep. 30, 2023		54,840
Beginning balance at Sep. 30, 2023	745,768	$ 549	346,181	431,140	(32,102)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)	49,949
Ending balance (in shares) at Mar. 31, 2024		55,027
Ending balance at Mar. 31, 2024	800,396	$ 551	345,174	477,683	(23,012)
Beginning balance (in shares) at Dec. 31, 2023		55,243
Beginning balance at Dec. 31, 2023	774,883	$ 553	343,870	457,929	(27,469)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	2,580		2,580
Release of restricted stock, net of shares withheld for taxes (in shares)		89
Release of restricted stock, net of shares withheld for taxes	0	$ 1	(1)
Foreign currency translation gain	4,457				4,457
Purchase and retirement of treasury stock (in shares)		(305)
Purchase and retirement of treasury stock	(3,003)	$ (3)	(1,275)	(1,725)
Net income (loss)	21,479			21,479
Ending balance (in shares) at Mar. 31, 2024		55,027
Ending balance at Mar. 31, 2024	$ 800,396	$ 551	$ 345,174	$ 477,683	$ (23,012)

Debt - Convertible Senior Notes Due 2029 (Details)				1 Months Ended	3 Months Ended			6 Months Ended
Debt - Convertible Senior Notes Due 2029 (Details)	Dec. 12, 2022 day $ / shares	May 14, 2018 USD ($) day $ / shares	Jul. 05, 2017 USD ($) $ / shares	Dec. 31, 2022 USD ($)	Mar. 31, 2024 USD ($) $ / shares	Mar. 31, 2023 USD ($)	Dec. 31, 2022 USD ($)	Mar. 31, 2024 USD ($) $ / shares	Mar. 31, 2023 USD ($)
Debt Instrument [Line Items]
Loss on extinguishment of debt \| $							$ 3,500,000	$ 0	$ 3,545,000
2029 Convertible Notes \| Common Class A
Debt Instrument [Line Items]
Conversion rate per $1,000 principal amount				0.0890313
2029 Convertible Notes \| Senior Notes
Debt Instrument [Line Items]
Stated interest rate	3.75%			3.75%			3.75%
Principle amount \| $				$ 230,000,000			$ 230,000,000
Effective interest rate					4.28%			4.28%
Conversion price, per share (in dollars per share) \| $ / shares	$ 11.23
2029 Convertible Notes \| Senior Notes \| Debt Conversion, Condition One
Debt Instrument [Line Items]
Threshold trading days (whether or not consecutive)	20
Threshold consecutive trading days	30
Threshold percentage of stock price trigger	130.00%
2029 Convertible Notes \| Senior Notes \| Debt Conversion, Condition One \| Debt Instrument, Redemption, Period One
Debt Instrument [Line Items]
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%
2029 Convertible Notes \| Senior Notes \| Debt Conversion, Condition Two
Debt Instrument [Line Items]
Threshold consecutive trading days	5
Threshold percentage of stock price trigger	98.00%
Business day threshold	5
2024 Convertible Notes \| Common Class A
Debt Instrument [Line Items]
Conversion rate per $1,000 principal amount			0.1
2024 Convertible Notes \| Senior Notes
Debt Instrument [Line Items]
Stated interest rate			2.875%
Principle amount \| $			$ 143,750,000
Conversion price, per share (in dollars per share) \| $ / shares			$ 10.00		$ 10.00			$ 10.00
Loss on extinguishment of debt \| $					$ 0	$ 0		$ 0	8,935,000
2024 Convertible Notes \| Notes Repurchases
Debt Instrument [Line Items]
Repurchased principal amount \| $				109,400,000			109,400,000
Repurchase price \| $				117,500,000			117,500,000
2025 Convertible Notes \| Senior Notes
Debt Instrument [Line Items]
Stated interest rate		2.375%
Principle amount \| $		$ 172,500,000
Conversion rate per $1,000 principal amount		0.0628931
Conversion price, per share (in dollars per share) \| $ / shares		$ 15.90
Loss on extinguishment of debt \| $					$ 0	$ 0		$ 0	$ (5,389,000)
2025 Convertible Notes \| Senior Notes \| Debt Instrument, Redemption, Period One
Debt Instrument [Line Items]
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
Debt Instrument [Line Items]
Threshold trading days (whether or not consecutive)		20
Threshold consecutive trading days		30
Threshold percentage of stock price trigger		130.00%
2025 Convertible Notes \| Senior Notes \| Debt Conversion, Condition Two
Debt Instrument [Line Items]
Threshold consecutive trading days		5
Threshold percentage of stock price trigger		98.00%
Business day threshold		5
2025 Convertible Notes \| Notes Repurchases
Debt Instrument [Line Items]
Repurchased principal amount \| $				69,100,000			69,100,000
Repurchase price \| $				$ 62,900,000			$ 62,900,000

Organization and Summary of Significant Accounting Policies (Policies)	6 Months Ended
	Mar. 31, 2024
Accounting Policies [Abstract]
Basis of Presentation and Principles of Consolidation	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, 2023, filed with the Securities and Exchange Commission (“SEC”) on November 15, 2023 (“2023 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 periods ended March 31, 2024, are not necessarily indicative of results that may be expected for the fiscal year ending September 30, 2024 or any other period due, in part, to seasonal variations. There have been no changes that have had a material impact in significant accounting policies as described in our 2023 Annual Report. 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 and Assumptions	Use of Estimates and Assumptions 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. We base our estimates on historical experience, observable trends and various other assumptions we believe are reasonable. Actual results may differ materially from these estimates under different assumptions or conditions.
Merchandise Sales Revenue Recognition	Merchandise Sales Revenue Recognition Customer layaway deposits are recorded as liabilities when a customer provides a deposit for merchandise. Customer layaway deposits are generally refundable upon cancellation.
Investments	Investments We account for our investment in Rich Data Corporation (“RDC”) in accordance with Accounting Standards Codification (“ASC”) 321, Investments — Equity Securities, and we have elected to use the measurement alternative to measure this investment at cost, less any impairment, plus or minus changes resulting from observable price changes in orderly transactions for identical or similar investments of the same issuer, if any.
Recently Issued Accounting Pronouncements	Recently Issued Accounting Pronouncements In October 2023, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2023-06, Disclosure Improvements - Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative (“ASU 2023-06”). ASU 2023-06 will impact various disclosure areas, including the statement of cash flows, accounting changes and error corrections, earnings per share, debt, equity, derivatives, and transfers of financial assets. The amendments in this ASU 2023-06 will be effective on the date the related disclosures are removed from Regulation S-X or Regulation S-K by the SEC, and will no longer be effective if the SEC has not removed the applicable disclosure requirement by June 30, 2027. Early adoption is prohibited. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures. In November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures (“ASU 2023-07”). ASU 2023-07 requires disclosure of significant segment expenses regularly provided to the chief operating decision maker (“CODM”) included within segment operating profit or loss. Additionally, the ASU requires a description of how the CODM utilizes segment operating profit or loss to assess segment performance. The requirements of this ASU 2023-07 are effective for the Company for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted, and retrospective application is required for all periods presented. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures. In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures (“ASU 2023-09”). ASU 2023-09 requires disclosure of specific categories and disaggregation of information in the rate reconciliation table. The ASU also requires disclosure of disaggregated information related to income taxes paid, income or loss from continuing operations before income tax expense or benefit, and income tax expense or benefit from continuing operations. The requirements of this ASU 2023-09 are effective for the Company for fiscal years beginning after December 15, 2024. Early adoption is permitted, and the amendments should be applied on a prospective basis. Retrospective application is permitted. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures. In March 2024, the FASB issued ASU 2024-02, Codification Improvements—Amendments to Remove References to the Concepts Statements (“ASU 2024-02”). ASU 2024-02 contains amendments to the Codification that remove references to various FASB Concepts Statements. The requirements of this ASU 2024-02 are effective for the Company for fiscal years beginning after December 15, 2024 and can be applied on a prospective or retrospective basis. This standard is not expected to have a significant impact on our consolidated financial statements and related disclosures.

Segment Information (Tables)

6 Months Ended

Mar. 31, 2024

Segment Reporting [Abstract]

Schedule of Operating Segment Information


	Three Months Ended March 31, 2024
(in thousands)	U.S. Pawn		Latin America Pawn		Other Investments		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	114,849	$	49,838	$	—	$	164,687	$	—	$	164,687
Jewelry scrapping sales	12,686		1,028		—		13,714		—		13,714
Pawn service charges	80,010		27,153		—		107,163		—		107,163
Other revenues	29		15		31		75		—		75
Total revenues	207,574		78,034		31		285,639		—		285,639
Merchandise cost of goods sold	72,798		33,461		—		106,259		—		106,259
Jewelry scrapping cost of goods sold	10,794		994		—		11,788		—		11,788

Gross profit	123,982		43,579		31		167,592		—		167,592
Segment and corporate expenses (income):
Store expenses	80,840		33,742		—		114,582		—		114,582
General and administrative	—		—		—		—		18,266		18,266

Depreciation and amortization	2,516		2,392		—		4,908		3,311		8,219
(Gain) loss on sale or disposal of assets and other	(30)		(66)		—		(96)		99		3
Other income	—		—		—		—		(765)		(765)
Interest expense	—		—		—		—		3,402		3,402
Interest income	—		(608)		(633)		(1,241)		(1,641)		(2,882)
Equity in net income of unconsolidated affiliates	—		—		(1,719)		(1,719)		—		(1,719)

Other expense (income)	—		1		14		15		(180)		(165)

Segment contribution	$	40,656	$	8,118	$	2,369	$	51,143
Income (loss) before income taxes							$	51,143	$	(22,492)	$	28,651


	Three Months Ended March 31, 2023
(in thousands)	U.S. Pawn		Latin America Pawn		Other Investments		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	108,740	$	43,767	$	—	$	152,507	$	—	$	152,507
Jewelry scrapping sales	9,814		3,011		—		12,825		—		12,825
Pawn service charges	69,945		23,085		—		93,030		—		93,030
Other revenues	32		19		10		61		—		61
Total revenues	188,531		69,882		10		258,423		—		258,423
Merchandise cost of goods sold	67,643		29,696		—		97,339		—		97,339
Jewelry scrapping cost of goods sold	8,550		3,352		—		11,902		—		11,902

Gross profit	112,338		36,834		10		149,182		—		149,182
Segment and corporate expenses (income):
Store expenses	71,946		29,323		—		101,269		—		101,269
General and administrative	—		—		—		—		15,609		15,609

Depreciation and amortization	2,560		2,332		—		4,892		3,071		7,963
Loss (gain) on sale or disposal of assets	81		(8)		—		73		—		73
Other income	—		(2,465)		—		(2,465)		—		(2,465)
Interest expense	—		—		—		—		3,390		3,390
Interest income	(1)		(298)		—		(299)		(1,599)		(1,898)
Equity in net loss of unconsolidated affiliates	—		—		32,501		32,501		—		32,501

Other (income) expense	—		(46)		6		(40)		120		80
Segment contribution (loss)	$	37,752	$	7,996	$	(32,497)	$	13,251
Income (loss) before income taxes							$	13,251	$	(20,591)	$	(7,340)


	Six Months Ended March 31, 2024
(in thousands)	U.S. Pawn		Latin America Pawn		Other Investments		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	240,362	$	103,728	$	—	$	344,090	$	—	$	344,090
Jewelry scrapping sales	25,501		2,295		—		27,796		—		27,796
Pawn service charges	159,083		54,529		—		213,612		—		213,612
Other revenues	66		31		35		132		—		132
Total revenues	425,012		160,583		35		585,630		—		585,630
Merchandise cost of goods sold	151,507		69,962		—		221,469		—		221,469
Jewelry scrapping cost of goods sold	22,078		1,918		—		23,996		—		23,996

Gross profit	251,427		88,703		35		340,165		—		340,165
Segment and corporate expenses (income):
Store expenses	158,095		67,042		—		225,137		—		225,137
General and administrative	—		—		—		—		34,809		34,809

Depreciation and amortization	5,140		4,731		—		9,871		6,913		16,784
(Gain) loss on sale or disposal of assets and other	(4)		(262)		—		(266)		97		(169)
Other income	—		—		—		—		(765)		(765)
Interest expense	—		—		—		—		6,842		6,842
Interest income	—		(1,028)		(1,206)		(2,234)		(3,287)		(5,521)
Equity in net loss of unconsolidated affiliates	—		—		(2,872)		(2,872)		—		(2,872)

Other (income) expense	—		(47)		15		(32)		(404)		(436)

Segment contribution	$	88,196	$	18,267	$	4,098	$	110,561
Income (loss) before income taxes							$	110,561	$	(44,205)	$	66,356


	Six Months Ended March 31, 2023
(in thousands)	U.S. Pawn		Latin America Pawn		Other Investments		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	227,054	$	89,240	$	—	$	316,294	$	—	$	316,294
Jewelry scrapping sales	16,990		3,719		—		20,709		—		20,709
Pawn service charges	139,255		46,368		—		185,623		—		185,623
Other revenues	57		35		32		124		—		124
Total revenues	383,356		139,362		32		522,750		—		522,750
Merchandise cost of goods sold	140,899		61,317		—		202,216		—		202,216
Jewelry scrapping cost of goods sold	14,766		4,089		—		18,855		—		18,855

Gross profit	227,691		73,956		32		301,679		—		301,679
Segment and corporate expenses (income):
Store expenses	145,250		56,822		—		202,072		—		202,072
General and administrative	—		(3)		—		(3)		31,088		31,085

Depreciation and amortization	5,315		4,547		—		9,862		6,089		15,951
Loss (gain) on sale or disposal of assets	84		(27)		—		57		—		57
Other income	—		(2,465)		—		(2,465)		—		(2,465)
Interest expense	—		—		—		—		9,580		9,580
Interest income	(1)		(467)		—		(468)		(2,094)		(2,562)
Equity in net loss of unconsolidated affiliates	—		—		30,917		30,917		—		30,917
Other expense (income)	—		24		10		34		(188)		(154)
Segment contribution (loss)	$	77,043	$	15,525	$	(30,895)	$	61,673
Income (loss) before income taxes							$	61,673	$	(44,475)	$	17,198

Schedule of Reconciliation of Segment Assets to Consolidated

The following table presents separately identified segment assets:


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

As of March 31, 2024
Pawn loans	$	173,744	$	62,029	$	—	$	—	$	235,773
Pawn service charges receivable, net	33,218		5,050		—		—		38,268
Inventory, net	121,863		41,566		—		—		163,429
Total assets	1,003,447		330,256		81,238		93,201		1,508,142

As of March 31, 2023
Pawn loans	$	157,043	$	49,053	$	—	$	—	$	206,096
Pawn service charges receivable, net	28,944		4,172		—		—		33,116
Inventory, net	112,147		38,150		—		—		150,297
Total assets	901,745		291,886		66,011		160,890		1,420,532

As of September 30, 2023
Pawn loans	$	190,624	$	55,142	$	—	$	—	$	245,766
Pawn service charges receivable, net	34,318		4,567		—		—		38,885
Inventory, net	128,901		37,576		—		—		166,477
Total assets	984,539		313,164		63,707		106,301		1,467,711

(a) Segment assets as of September 30, 2023 have been recast to conform to current year presentation as CCV no longer meets the 10 percent threshold to be considered its own segment.

Pay vs Performance Disclosure - USD ($) $ in Thousands	3 Months Ended				6 Months Ended
Pay vs Performance Disclosure - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2024	Mar. 31, 2023
Pay vs Performance Disclosure
Net profit (loss)	$ 21,479	$ 28,470	$ (6,790)	$ 16,778	$ 49,949	$ 9,988

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

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-URI https://asc.fasb.org//1943274/2147482810/280-10-50-32

Reference 34: http://www.xbrl.org/2003/role/disclosureRef
-Topic 205
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 7
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483499/205-20-50-7

Reference 35: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 230
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 28
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482740/230-10-45-28

Reference 36: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 1A
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482790/220-10-45-1A

Reference 37: http://www.xbrl.org/2003/role/disclosureRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section 45
-Paragraph 1B
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482790/220-10-45-1B

Reference 38: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 220
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03(20))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483621/220-10-S99-2

Reference 39: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 942
-SubTopic 220
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(22))
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147483589/942-220-S99-1

+ Details

Organization and Summary of Significant Accounting Policies	6 Months Ended
	Mar. 31, 2024
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 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, 2023, filed with the Securities and Exchange Commission (“SEC”) on November 15, 2023 (“2023 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 periods ended March 31, 2024, are not necessarily indicative of results that may be expected for the fiscal year ending September 30, 2024 or any other period due, in part, to seasonal variations. There have been no changes that have had a material impact in significant accounting policies as described in our 2023 Annual Report. 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 and Assumptions 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. We base our estimates on historical experience, observable trends and various other assumptions we believe are reasonable. Actual results may differ materially from these estimates under different assumptions or conditions. Merchandise Sales Revenue Recognition Customer layaway deposits are recorded as liabilities when a customer provides a deposit for merchandise. Customer layaway deposits are generally refundable upon cancellation. Our customer layaway deposits balance as of March 31, 2024, 2023 and September 30, 2023 was $20.4 million, $18.8 million and $18.9 million, respectively, and are generally recognized as revenue within a one-year period. Investments We account for our investment in Rich Data Corporation (“RDC”) in accordance with Accounting Standards Codification (“ASC”) 321, Investments — Equity Securities, and we have elected to use the measurement alternative to measure this investment at cost, less any impairment, plus or minus changes resulting from observable price changes in orderly transactions for identical or similar investments of the same issuer, if any. As of March 31, 2024, 2023 and September 30, 2023, the carrying value of our investment in RDC was $6.2 million. Refer to Note 5: Strategic Investments for details on our investment in Founders One, LLC (“Founders”). Recently Issued Accounting Pronouncements In October 2023, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2023-06, Disclosure Improvements - Codification Amendments in Response to the SEC’s Disclosure Update and Simplification Initiative (“ASU 2023-06”). ASU 2023-06 will impact various disclosure areas, including the statement of cash flows, accounting changes and error corrections, earnings per share, debt, equity, derivatives, and transfers of financial assets. The amendments in this ASU 2023-06 will be effective on the date the related disclosures are removed from Regulation S-X or Regulation S-K by the SEC, and will no longer be effective if the SEC has not removed the applicable disclosure requirement by June 30, 2027. Early adoption is prohibited. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures. In November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280): Improvements to Reportable Segment Disclosures (“ASU 2023-07”). ASU 2023-07 requires disclosure of significant segment expenses regularly provided to the chief operating decision maker (“CODM”) included within segment operating profit or loss. Additionally, the ASU requires a description of how the CODM utilizes segment operating profit or loss to assess segment performance. The requirements of this ASU 2023-07 are effective for the Company for fiscal years beginning after December 15, 2023, and interim periods within fiscal years beginning after December 15, 2024. Early adoption is permitted, and retrospective application is required for all periods presented. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures. In December 2023, the FASB issued ASU 2023-09, Income Taxes (Topic 740): Improvements to Income Tax Disclosures (“ASU 2023-09”). ASU 2023-09 requires disclosure of specific categories and disaggregation of information in the rate reconciliation table. The ASU also requires disclosure of disaggregated information related to income taxes paid, income or loss from continuing operations before income tax expense or benefit, and income tax expense or benefit from continuing operations. The requirements of this ASU 2023-09 are effective for the Company for fiscal years beginning after December 15, 2024. Early adoption is permitted, and the amendments should be applied on a prospective basis. Retrospective application is permitted. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures. In March 2024, the FASB issued ASU 2024-02, Codification Improvements—Amendments to Remove References to the Concepts Statements (“ASU 2024-02”). ASU 2024-02 contains amendments to the Codification that remove references to various FASB Concepts Statements. The requirements of this ASU 2024-02 are effective for the Company for fiscal years beginning after December 15, 2024 and can be applied on a prospective or retrospective basis. This standard is not expected to have a significant impact on our consolidated financial statements and related disclosures.

Common Stock and Stock Compensation

6 Months Ended

Mar. 31, 2024

Share-Based Payment Arrangement [Abstract]

Common Stock and Stock Compensation

NOTE 8: COMMON STOCK AND STOCK COMPENSATION

Common Stock Repurchase Program

On May 3, 2022, the Company’s Board of Directors (the “Board”) authorized the repurchase of up to $50 million of our Class A Common Stock over three years (the “Common Stock Repurchase Program”). 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. As of March 31, 2024, we had repurchased and retired 2,287,402 shares of our Class A Common Stock for $20.0 million under the Common Stock Repurchase Program, of which 305,475 and 660,357 shares were repurchased and retired for $3.0 million and $6.0 million during the three and six months ended March 31, 2024, respectively. During the three and six months ended March 31, 2023, 448,331 and 691,393 shares were repurchased and retired for $3.9 million and $6.0 million, respectively, under the Common Stock Repurchase Program. The repurchase amount is allocated between “Additional paid-in capital” and “Retained earnings” in our condensed consolidated balance sheets.

Other Common Stock Repurchases

During December 2022, the Company used approximately $5.0 million of the net proceeds from the 2029 Convertible Notes offering to repurchase for cash 578,703 shares of its Class A common stock from purchasers of the notes in privately negotiated transactions. Such transactions were authorized separately from, and not considered a part of, the publicly announced share repurchase program discussed above. The repurchase amount is allocated between “Additional paid-in capital” and “Retained earnings” in our condensed consolidated balance sheets.

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, 2023	2,555,899	$	6.80
Granted (a)	1,430,997	7.56
Released (b)	(1,225,328)	5.25
Cancelled	(32,566)	6.96
Outstanding as of March 31, 2024	2,729,002	$	7.89

(a) Includes performance adjustment of 353,993 shares awarded above their target grants resulting from the achievement of performance targets established at the grant date.

(b) 377,231 shares were withheld to satisfy related income tax withholding.

Goodwill (Tables)

6 Months Ended

Mar. 31, 2024

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, 2024
(in thousands)	U.S. Pawn		Latin America Pawn		Consolidated

Balances as of September 30, 2023	$	255,942	$	46,430	$	302,372
Acquisitions (a)	6,330		—		6,330


Effect of foreign currency translation changes	—		1,956		1,956
Balances as of March 31, 2024	$	262,272	$	48,386	$	310,658


	Six Months Ended March 31, 2023
(in thousands)	U.S. Pawn		Latin America Pawn		Consolidated

Balances as of September 30, 2022	$	245,503	$	41,325	$	286,828
Acquisitions (a)	9,468		—		9,468

Effect of foreign currency translation changes	—		3,782		3,782

Balances as of March 31, 2023	$	254,971	$	45,107	$	300,078

(a) Amount represents goodwill recognized in connection with acquisitions within the U.S. Pawn segment that were immaterial, individually and in the aggregate, and we have therefore omitted certain disclosures.

- Definition

Tabular disclosure of goodwill by reportable segment and in total which includes a rollforward schedule.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 24
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482548/350-20-55-24

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (a)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-1

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (h)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-1

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
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-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-1

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-1

Reference 6: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (c)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-1

Reference 7: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (d)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-1

Reference 8: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (e)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-1

Reference 9: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
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-Paragraph 1
-Subparagraph (f)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-1

Reference 10: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Subparagraph (g)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-1

Reference 11: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 1A
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-1A

Reference 12: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 350
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 2
-Subparagraph (b)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147482573/350-20-50-2

+ Details

Supplemental Consolidated Financial Information - Supplemental of Consolidated Statements of Cash Flows Information (Details) - USD ($) $ in Thousands	6 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents [Roll Forward]
Cash and cash equivalents at beginning of period	$ 220,595	$ 206,028
Restricted cash at beginning of period	8,373	8,341
Cash and cash equivalents and restricted cash at beginning of period	228,968	214,369
Cash and cash equivalents at end of period	229,111	243,128
Restricted cash at end of period	8,581	8,451
Cash and cash equivalents and restricted cash at end of period	237,692	251,579
Non-cash investing and financing activities:
Pawn loans forfeited and transferred to inventory	183,532	159,398
Transfer of equity consideration for acquisition	0	99
Acquisition earn-out contingency	0	2,000
Accrued acquisition consideration	$ 616	$ 1,145

Leases

6 Months Ended

Mar. 31, 2024

Leases [Abstract]

Leases

NOTE 4: 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 and finance leases for vehicles with lease terms ranging from two to five years.

The table below presents balances of our lease assets and liabilities and their balance sheet locations for both operating and financing leases:


(in thousands)	Balance Sheet Location	March 31, 2024		March 31, 2023		September 30, 2023
Lease assets:
Operating lease right-of-use assets	Right-of-use assets, net	$	243,752	$	234,287	$	234,388
Financing lease assets	Other assets	2,094		1,289		2,178
Total lease assets		$	245,846	$	235,576	$	236,566




Lease liabilities:
Current:
Operating lease liabilities	Operating lease liabilities, current	$	55,658	$	53,921	$	57,182
Financing lease liabilities	Accounts payable, accrued expenses and other current liabilities	583		282		530
Total current lease liabilities		$	56,241	$	54,203	$	57,712

Non-current:
Operating lease liabilities	Operating lease liabilities	$	197,285	$	191,874	$	193,187
Financing lease liabilities	Other long-term liabilities	1,626		1,024		1,715
Total non-current lease liabilities		$	198,911	$	192,898	$	194,902
Total lease liabilities		$	255,152	$	247,101	$	252,614

The table below provides major components of our lease costs:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands)	2024		2023		2024		2023

Operating lease cost:
Operating lease cost *	$	19,840	$	18,023	$	38,906	$	35,518
Variable lease cost	4,643		4,028		8,858		7,880
Total operating lease cost	$	24,483	$	22,051	$	47,764	$	43,398

Financing lease cost:
Amortization of financing lease assets	$	164	$	55	$	315	$	74
Interest on financing lease liabilities	63		24		128		35
Total financing lease cost	$	227	$	79	$	443	$	109
Total lease cost	$	24,710	$	22,130	$	48,207	$	43,507

* Includes a reduction for sublease rental income of $0.6 million and $1.1 million for the three months ended March 31, 2024 and 2023, respectively, and $1.7 million and $1.8 million for the six months ended March 31, 2024 and 2023, respectively.

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 expenses” and “General and administrative” under operating expenses, based on the underlying lease use. Cash paid for operating leases was $24.3 million and $18.9 million for the three months ended March 31, 2024 and 2023, respectively, and $44.6 million and $37.4 million for the six months ended March 31, 2024 and 2023, respectively. Cash paid for principal and interest on finance leases was $0.1 million and $0.1 million, respectively, for the three months ended March 31, 2024 and $0.3 million and $0.1 million for the six months ended March 31, 2024 respectively. There was no cash paid for principal or interest on finance leases during the three and six months ended March 31, 2023.

The weighted-average term and discount rates for leases are as follows:


	Six Months Ended March 31,
	2024		2023

Weighted-average remaining lease term (years):
Operating leases	4.88		5.16
Financing leases	3.17		3.97

Weighted-average discount rate:
Operating leases	8.41	%	8.42	%
Financing leases	11.14	%	11.14	%

As of March 31, 2024, maturities of lease liabilities under ASC 842 by fiscal year were as follows:


(in thousands)	Operating Leases		Financing Leases
Remaining 2024	$	35,375	$	382
Fiscal 2025	75,330		849
Fiscal 2026	64,181		849
Fiscal 2027	49,593		536
Fiscal 2028	34,224		28
Thereafter	50,899		—
Total lease liabilities	$	309,602	$	2,644
Less: portion representing imputed interest	56,659		435
Total net lease liabilities	$	252,943	$	2,209
Less: current portion	55,658		583
Total long term net lease liabilities	$	197,285	$	1,626

We recorded $35.0 million and $34.5 million in non-cash additions to our operating right-of-use assets and lease liabilities for the six months ended March 31, 2024 and 2023, respectively. We recorded $0.2 million and $1.2 million in non-cash finance lease additions for the six months ended March 31, 2024 and 2023, respectively.

Leases

NOTE 4: LEASES

The table below presents balances of our lease assets and liabilities and their balance sheet locations for both operating and financing leases:


(in thousands)	Balance Sheet Location	March 31, 2024		March 31, 2023		September 30, 2023
Lease assets:
Operating lease right-of-use assets	Right-of-use assets, net	$	243,752	$	234,287	$	234,388
Financing lease assets	Other assets	2,094		1,289		2,178
Total lease assets		$	245,846	$	235,576	$	236,566




Lease liabilities:
Current:
Operating lease liabilities	Operating lease liabilities, current	$	55,658	$	53,921	$	57,182
Financing lease liabilities	Accounts payable, accrued expenses and other current liabilities	583		282		530
Total current lease liabilities		$	56,241	$	54,203	$	57,712

Non-current:
Operating lease liabilities	Operating lease liabilities	$	197,285	$	191,874	$	193,187
Financing lease liabilities	Other long-term liabilities	1,626		1,024		1,715
Total non-current lease liabilities		$	198,911	$	192,898	$	194,902
Total lease liabilities		$	255,152	$	247,101	$	252,614

The table below provides major components of our lease costs:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands)	2024		2023		2024		2023

Operating lease cost:
Operating lease cost *	$	19,840	$	18,023	$	38,906	$	35,518
Variable lease cost	4,643		4,028		8,858		7,880
Total operating lease cost	$	24,483	$	22,051	$	47,764	$	43,398

Financing lease cost:
Amortization of financing lease assets	$	164	$	55	$	315	$	74
Interest on financing lease liabilities	63		24		128		35
Total financing lease cost	$	227	$	79	$	443	$	109
Total lease cost	$	24,710	$	22,130	$	48,207	$	43,507

The weighted-average term and discount rates for leases are as follows:


	Six Months Ended March 31,
	2024		2023

Weighted-average remaining lease term (years):
Operating leases	4.88		5.16
Financing leases	3.17		3.97

Weighted-average discount rate:
Operating leases	8.41	%	8.42	%
Financing leases	11.14	%	11.14	%

As of March 31, 2024, maturities of lease liabilities under ASC 842 by fiscal year were as follows:


(in thousands)	Operating Leases		Financing Leases
Remaining 2024	$	35,375	$	382
Fiscal 2025	75,330		849
Fiscal 2026	64,181		849
Fiscal 2027	49,593		536
Fiscal 2028	34,224		28
Thereafter	50,899		—
Total lease liabilities	$	309,602	$	2,644
Less: portion representing imputed interest	56,659		435
Total net lease liabilities	$	252,943	$	2,209
Less: current portion	55,658		583
Total long term net lease liabilities	$	197,285	$	1,626

Debt - Schedule of Debt Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023	Mar. 31, 2023
Debt Instrument [Line Items]
Gross Amount	$ 333,373	$ 333,373	$ 367,762
Debt Issuance Costs	(6,800)	(7,526)	(8,475)
Carrying Amount	326,573	325,847	359,287
Gross Amount	367,762	367,762	367,762
Debt Issuance Costs	(6,842)	(7,650)	(8,475)
Carrying Amount	360,920	360,112	359,287
Less current portion, Gross Amount	34,389	34,389	0
Less current portion, Debt Issuance Costs	(42)	(124)	0
Less current portion, Carrying Amount	34,347	34,265	0
Senior Notes
Debt Instrument [Line Items]
Gross Amount	367,762
2029 Convertible Notes \| Senior Notes
Debt Instrument [Line Items]
Gross Amount	230,000	230,000	230,000
Debt Issuance Costs	(6,244)	(6,716)	(7,209)
Carrying Amount	223,756	223,284	222,791
Gross Amount	230,000
2025 Convertible Notes \| Senior Notes
Debt Instrument [Line Items]
Gross Amount	103,373	103,373	103,373
Debt Issuance Costs	(556)	(810)	(1,061)
Carrying Amount	102,817	102,563	102,312
Gross Amount	103,373
2024 Convertible Notes \| Senior Notes
Debt Instrument [Line Items]
Gross Amount	34,389	34,389	34,389
Debt Issuance Costs	(42)	(124)	(205)
Carrying Amount	34,347	$ 34,265	$ 34,184
Gross Amount	$ 34,389

Leases - Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
Leases - Lease Cost (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Operating lease cost:
Operating lease cost	$ 19,840	$ 18,023	$ 38,906	$ 35,518
Variable lease cost	4,643	4,028	8,858	7,880
Total operating lease cost	24,483	22,051	47,764	43,398
Financing lease cost:
Amortization of financing lease assets	164	55	315	74
Interest on financing lease liabilities	63	24	128	35
Total financing lease cost	227	79	443	109
Total lease cost	24,710	22,130	48,207	43,507
Sublease income	$ 600	$ 1,100	$ 1,700	$ 1,800
Weighted-average remaining lease term (years):
Operating leases	4 years 10 months 17 days	5 years 1 month 28 days	4 years 10 months 17 days	5 years 1 month 28 days
Financing leases	3 years 2 months 1 day	3 years 11 months 19 days	3 years 2 months 1 day	3 years 11 months 19 days
Weighted-average discount rate:
Operating leases	8.41%	8.42%	8.41%	8.42%
Financing leases	11.14%	11.14%	11.14%	11.14%

Debt - Interest Expense (Details) - USD ($) $ in Thousands	3 Months Ended			6 Months Ended
Debt - Interest Expense (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2024	Mar. 31, 2023
Debt Instrument [Line Items]
(Gain) loss on extinguishment			$ 3,500	$ 0	$ 3,545
Senior Notes \| 2029 Convertible Notes
Debt Instrument [Line Items]
Contractual interest expense	$ 2,157	$ 2,156		4,313	2,587
Amortization of deferred financing costs	228	197		472	249
Total interest expense	2,385	2,353		4,785	2,836
Senior Notes \| 2025 Convertible Notes
Debt Instrument [Line Items]
Contractual interest expense	614	614		1,228	1,556
Amortization of deferred financing costs	123	120		254	308
(Gain) loss on extinguishment	0	0		0	(5,389)
Total interest expense	737	734		1,482	(3,525)
Senior Notes \| 2024 Convertible Notes
Debt Instrument [Line Items]
Contractual interest expense	247	247		494	1,123
Amortization of deferred financing costs	39	41		81	179
(Gain) loss on extinguishment	0	0		0	8,935
Total interest expense	$ 286	$ 288		$ 575	$ 10,237

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
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Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
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Reference 3: http://www.xbrl.org/2003/role/disclosureRef
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Topic 470
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-Name Accounting Standards Codification
-Section 50
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Reference 14: http://www.xbrl.org/2003/role/disclosureRef
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Reference 15: http://www.xbrl.org/2003/role/disclosureRef
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-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481139/470-20-50-1I

+ Details

Common Stock and Stock Compensation (Tables)

6 Months Ended

Mar. 31, 2024

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, 2023	2,555,899	$	6.80
Granted (a)	1,430,997	7.56
Released (b)	(1,225,328)	5.25
Cancelled	(32,566)	6.96
Outstanding as of March 31, 2024	2,729,002	$	7.89

(a) Includes performance adjustment of 353,993 shares awarded above their target grants resulting from the achievement of performance targets established at the grant date.

(b) 377,231 shares were withheld to satisfy related income tax withholding.

Earnings (Loss) per Share (Tables)

6 Months Ended

Mar. 31, 2024

Earnings Per Share [Abstract]

Schedule of Net Components of Basic and Diluted (Loss) Earnings Per Share

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


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands, except per share amounts)	2024		2023		2024		2023

Basic earnings (loss) per common share:
Net income (loss) - basic	$	21,479	$	(6,790)	$	49,949	$	9,988
Weighted shares outstanding - basic	55,093		55,648		55,084		55,981
Basic earnings (loss) per common share	$	0.39	$	(0.12)	$	0.91	$	0.18

Diluted earnings (loss) per common share:
Net income (loss) - basic	$	21,479	$	(6,790)	$	49,949	$	9,988
Add: Convertible Notes interest expense (income), net of tax*	2,415		—		5,074		(2,733)



Net income (loss) - diluted	$	23,894	$	(6,790)	$	55,023	$	7,255
Weighted shares outstanding - basic	55,093		55,648		55,084		55,981
Equity-based compensation awards - effect of dilution**	974		—		1,156		1,067
Convertible Notes - effect of dilution***	26,978		—		28,708		8,221



Weighted shares outstanding - diluted	83,045		55,648		84,948		65,269
Diluted earnings (loss) per common share	$	0.29	$	(0.12)	$	0.65	$	0.11

Potential common shares excluded from the calculation of diluted earnings (loss) per common share above:
Equity-based compensation awards**	—		1,014		—		—
Convertible Notes***	—		30,417		—		20,141



Restricted stock****	1,676		1,504		1,673		1,528
Total	1,676		32,935		1,673		21,669

* Effective January 1, 2024, we are required to combination settle the 2024 Convertible Notes. As such, no interest expense is included for the three months ended March 31, 2024 and only the first quarter of 2024 interest expense is included for the six months ended March 31, 2024. The six months ended March 31,2023 includes $5.4 million gain on the partial extinguishment of debt, associated with the 2025 Convertible Notes, which was recorded to “Interest expense” in the Company’s condensed consolidated statement of operations. See Note 7: Debt for additional information.

** 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.

*** As we are required to combination settle the 2024 Convertible Notes effective January 1, 2024, the 3.4 million principal shares are not included for the three months ended March 31, 2024 and only the weighted average shares of 1.7 million are included for the six months ended March 31, 2024. Additionally, no potential common shares related to the accreted value of the 2024 Convertible Notes are included for the three or six months ended March 31, 2024 as the average market rate was not above the initial conversion price of $10.00 per share for the noted reporting periods. See Note 7: Debt for conversion price, initial conversion rate and additional information on the 2024 Convertible Notes, 2025 Convertible Notes, and 2029 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.

Insider Trading Arrangements	3 Months Ended	6 Months Ended
Insider Trading Arrangements	Mar. 31, 2024 shares	Mar. 31, 2024 shares
Trading Arrangements, by Individual
Material Terms of Trading Arrangement		On February 7, 2024, Matthew Appel, Director, entered into a prearranged trading plan to sell up to 26,490 shares of the Company’s Class A Non-Voting Common Stock between May 15, 2024 and May 12, 2025 pursuant to the terms of the plan. The plan is designed to satisfy the affirmative defense conditions of Rule 10b5-1(c) under the Exchange Act and comply with the Company’s policies regarding stock transactions.
Non-Rule 10b5-1 Arrangement Adopted	false
Rule 10b5-1 Arrangement Terminated	false
Non-Rule 10b5-1 Arrangement Terminated	false
Matthew Appel [Member]
Trading Arrangements, by Individual
Name	Matthew Appel
Title	Director
Rule 10b5-1 Arrangement Adopted	true
Adoption Date	February 7, 2024
Arrangement Duration	362 days
Aggregate Available	26,490	26,490

Strategic Investments

6 Months Ended

Mar. 31, 2024

Equity Method Investments and Joint Ventures [Abstract]

Strategic Investments

NOTE 5: STRATEGIC INVESTMENTS

Cash Converters International Limited

As of March 31, 2024, we owned 273,939,157 shares, or approximately 43.7%, of Cash Converters. We acquired our original investment (representing approximately 30% of the outstanding shares) in November 2009 and have increased our ownership through the acquisition of additional shares periodically since that time.

We received cash dividends from Cash Converters of $1.7 million and $1.8 million during the six months ended March 31, 2024 and 2023, respectively.

The following tables present summary financial information for Cash Converters’ most recently reported results at December 31, 2023 after translation to U.S. dollars:


	December 31,
(in thousands)	2023		2022

Current assets	$	186,572	$	189,179
Non-current assets	137,271		98,301
Total assets	$	323,843	$	287,480

Current liabilities	$	101,097	$	91,601
Non-current liabilities	79,926		56,792
Shareholders’ equity	142,820		139,087
Total liabilities and shareholders’ equity	$	323,843	$	287,480


	Half-Year Ended December 31,
(in thousands)	2023		2022

Gross revenues	$	124,874	$	98,768
Gross profit	$	73,675	$	63,800
Net profit (loss)	$	6,499	$	(73,197)

During the three and six months ended March 31, 2024, we recorded our share of income of $1.7 million and $2.9 million, respectively, from Cash Converters. During the three and six months ended March 31, 2023 we recorded a loss of $32.5 million and $30.9 million, respectively, from Cash Converters, which included $32.4 million as our share of their non-cash goodwill impairment charge during the quarter ended March 31, 2023 that was recorded to “Equity in net (income) loss of unconsolidated affiliates” in the condensed consolidated statements of operations.

See Note 6: 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 then newly-formed entity with one other member.

On December 2, 2022, we contributed an additional $15.0 million to Founders associated with our preferred interest. In addition, we loaned $15.0 million to Founders in exchange for a Demand Promissory Note secured by the common interest in Founders held by the other member.

In October 2023, we contributed an additional $15.0 million to Founders associated with our preferred interest, bringing our total preferred equity investment in Founders to $45.0 million.

We have an interest in Founders, a variable interest entity, but because the Company is not the primary beneficiary, we do not consolidate Founders. 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 preferred equity investment in Founders is accounted for utilizing the measurement alternative within ASC 321, Investments — Equity Securities. As of March 31, 2024, our $45.0 million carrying value of the preferred equity investment and $15.0 million Demand Promissory Note are included in “Other investments” and “Prepaid expenses and other current assets” in our condensed consolidated balance sheets, respectively. As of March 31, 2024, our maximum exposure for losses related to our investment in Founders was our $45.0 million preferred equity investment and $15.0 million Demand Promissory Note plus accrued and unpaid interest.

See Note 6: Fair Value Measurements for the fair value and carrying value of our loan to Founders

Fair Value Measurements - Financial Assets and Liabilities (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Apr. 30, 2019	Mar. 31, 2019
Promissory note receivable due April 2024
Financial assets:
Notes receivable, fair value					$ 1,100	$ 1,100
Promissory note receivable due April 2024 \| Carrying Value
Financial assets:
Notes receivable, fair value	$ 1,268	$ 1,251	$ 1,233
Promissory note receivable due April 2024 \| Estimated Fair Value
Financial assets:
Notes receivable, fair value	1,268	1,251	1,233
Promissory note receivable due April 2024 \| Estimated Fair Value \| Level 1
Financial assets:
Notes receivable, fair value	0	0	0
Promissory note receivable due April 2024 \| Estimated Fair Value \| Level 2
Financial assets:
Notes receivable, fair value	0	0	0
Promissory note receivable due April 2024 \| Estimated Fair Value \| Level 3
Financial assets:
Notes receivable, fair value	1,268	1,251	1,233
Promissory note receivable from Founders
Financial assets:
Notes receivable, fair value				$ 15,000
Promissory note receivable from Founders \| Carrying Value
Financial assets:
Notes receivable, fair value	17,706	16,500	15,600
Promissory note receivable from Founders \| Estimated Fair Value
Financial assets:
Notes receivable, fair value	17,706	16,500	15,600
Promissory note receivable from Founders \| Estimated Fair Value \| Level 1
Financial assets:
Notes receivable, fair value	0	0	0
Promissory note receivable from Founders \| Estimated Fair Value \| Level 2
Financial assets:
Notes receivable, fair value	0	0	0
Promissory note receivable from Founders \| Estimated Fair Value \| Level 3
Financial assets:
Notes receivable, fair value	17,706	16,500	15,600
Investments in unconsolidated affiliates \| Carrying Value
Financial assets:
Investments in unconsolidated affiliates	13,162	10,987	10,681
Investments in unconsolidated affiliates \| Estimated Fair Value
Financial assets:
Investments in unconsolidated affiliates	41,135	35,998	42,917
Investments in unconsolidated affiliates \| Estimated Fair Value \| Level 1
Financial assets:
Investments in unconsolidated affiliates	40,285	35,998	42,917
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	850	0	0
2024 Convertible Notes \| Carrying Value
Financial liabilities:
Debt instruments, fair value	34,347	34,265	34,184
2024 Convertible Notes \| Estimated Fair Value
Financial liabilities:
Debt instruments, fair value	34,303	35,765	34,389
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	34,303	35,765	34,389
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	102,817	102,563	102,312
2025 Convertible Notes \| Estimated Fair Value
Financial liabilities:
Debt instruments, fair value	97,171	96,137	94,690
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	97,171	96,137	94,690
2025 Convertible Notes \| Estimated Fair Value \| Level 3
Financial liabilities:
Debt instruments, fair value	0	0	0
2029 Convertible Notes \| Carrying Value
Financial liabilities:
Debt instruments, fair value	223,756	223,284	222,791
2029 Convertible Notes \| Estimated Fair Value
Financial liabilities:
Debt instruments, fair value	268,893	224,112	221,529
2029 Convertible Notes \| Estimated Fair Value \| Level 1
Financial liabilities:
Debt instruments, fair value	0	0	0
2029 Convertible Notes \| Estimated Fair Value \| Level 2
Financial liabilities:
Debt instruments, fair value	268,893	224,112	221,529
2029 Convertible Notes \| Estimated Fair Value \| Level 3
Financial liabilities:
Debt instruments, fair value	$ 0	$ 0	$ 0

Organization and Summary of Significant Accounting Policies - Investments (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023	Mar. 31, 2023
Schedule of Equity Method Investments [Line Items]
Equity method investments	$ 13,162	$ 10,987	$ 10,681
Rich Data Corporation (RDC)
Schedule of Equity Method Investments [Line Items]
Equity method investments	$ 6,200	$ 6,200	$ 6,200

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Operating activities:
Net income	$ 49,949	$ 9,988
Adjustments to reconcile net income to net cash flows from operating activities:
Depreciation and amortization	16,784	15,951
Amortization of debt discount and deferred financing costs	807	736
Non-cash lease expense	29,514	27,546
Deferred income taxes	515	(6,987)
Other adjustments	(1,429)	(2,386)
Provision for inventory reserve	183	280
Stock compensation expense	4,844	3,741
Equity in net (income) loss from investment in unconsolidated affiliates	(2,872)	30,917
Net loss on extinguishment of debt	0	3,545
Changes in operating assets and liabilities, net of business acquisitions:
Pawn service charges receivable	1,071	1,357
Inventory	1,617	(2,306)
Prepaid expenses, other current assets and other assets	(8,699)	(3,639)
Accounts payable, accrued expenses and other liabilities	(57,531)	(43,969)
Customer layaway deposits	886	1,426
Income taxes	909	8,852
Dividends from unconsolidated affiliates	0	1,775
Net cash provided by operating activities	36,548	46,827
Investing activities:
Loans made	(433,194)	(378,717)
Loans repaid	262,970	230,604
Recovery of pawn loan principal through sale of forfeited collateral	188,351	171,504
Capital expenditures, net	(13,654)	(18,439)
Acquisitions, net of cash acquired	(8,610)	(12,968)
Issuance of notes receivable	0	(15,500)
Investment in unconsolidated affiliate	(850)	(2,133)
Investment in other investments	(15,000)	(15,000)
Dividends from unconsolidated affiliates	1,745	0
Net cash used in investing activities	(18,242)	(40,649)
Financing activities:
Taxes paid related to net share settlement of equity awards	(3,253)	(1,149)
Proceeds from issuance of debt	0	230,000
Debt issuance cost	0	(7,458)
Cash paid on extinguishment of debt	0	(1,951)
Payments on debt	0	(178,488)
Purchase and retirement of treasury stock	(6,010)	(10,978)
Payments of finance leases	(276)	0
Net cash (used in) provided by financing activities	(9,539)	29,976
Effect of exchange rate changes on cash and cash equivalents and restricted cash	(43)	1,056
Net increase in cash, cash equivalents and restricted cash	8,724	37,210
Cash and cash equivalents and restricted cash at beginning of period	228,968	214,369
Cash and cash equivalents and restricted cash at end of period	$ 237,692	$ 251,579

Earnings (Loss) per Share

6 Months Ended

Mar. 31, 2024

Earnings Per Share [Abstract]

Earnings (loss) per Share

NOTE 3: EARNINGS (LOSS) PER SHARE

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


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands, except per share amounts)	2024		2023		2024		2023

Basic earnings (loss) per common share:
Net income (loss) - basic	$	21,479	$	(6,790)	$	49,949	$	9,988
Weighted shares outstanding - basic	55,093		55,648		55,084		55,981
Basic earnings (loss) per common share	$	0.39	$	(0.12)	$	0.91	$	0.18

Diluted earnings (loss) per common share:
Net income (loss) - basic	$	21,479	$	(6,790)	$	49,949	$	9,988
Add: Convertible Notes interest expense (income), net of tax*	2,415		—		5,074		(2,733)



Net income (loss) - diluted	$	23,894	$	(6,790)	$	55,023	$	7,255
Weighted shares outstanding - basic	55,093		55,648		55,084		55,981
Equity-based compensation awards - effect of dilution**	974		—		1,156		1,067
Convertible Notes - effect of dilution***	26,978		—		28,708		8,221



Weighted shares outstanding - diluted	83,045		55,648		84,948		65,269
Diluted earnings (loss) per common share	$	0.29	$	(0.12)	$	0.65	$	0.11

Potential common shares excluded from the calculation of diluted earnings (loss) per common share above:
Equity-based compensation awards**	—		1,014		—		—
Convertible Notes***	—		30,417		—		20,141



Restricted stock****	1,676		1,504		1,673		1,528
Total	1,676		32,935		1,673		21,669

** 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.

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Statement of Comprehensive Income [Abstract]
Foreign currency translation adjustment, tax	$ 98	$ 1,133	$ 41	$ 737

Strategic Investments (Tables)

6 Months Ended

Mar. 31, 2024

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, 2023 after translation to U.S. dollars:


	December 31,
(in thousands)	2023		2022

Current assets	$	186,572	$	189,179
Non-current assets	137,271		98,301
Total assets	$	323,843	$	287,480

Current liabilities	$	101,097	$	91,601
Non-current liabilities	79,926		56,792
Shareholders’ equity	142,820		139,087
Total liabilities and shareholders’ equity	$	323,843	$	287,480


	Half-Year Ended December 31,
(in thousands)	2023		2022

Gross revenues	$	124,874	$	98,768
Gross profit	$	73,675	$	63,800
Net profit (loss)	$	6,499	$	(73,197)

Fair Value Measurements (Tables)

6 Months Ended

Mar. 31, 2024

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, 2024		March 31, 2024		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
Promissory note receivable due April 2024	$	1,268	$	1,268	$	—	$	—	$	1,268
Promissory note receivable from Founders	17,706		17,706		—		—		17,706

Investments in unconsolidated affiliates	13,162		41,135		40,285		—		850
Financial liabilities:
2024 Convertible Notes	$	34,347	$	34,303	$	—	$	34,303	$	—
2025 Convertible Notes	102,817		97,171		—		97,171		—
2029 Convertible Notes	223,756		268,893		—		268,893		—


	Carrying Value		Estimated Fair Value
	March 31, 2023		March 31, 2023		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
Promissory note receivable due April 2024	$	1,233	$	1,233	$	—	$	—	$	1,233
Promissory note receivable from Founders	15,600		15,600		—		—		15,600

Investments in unconsolidated affiliates	10,681		42,917		42,917		—		—

Financial liabilities:
2024 Convertible Notes	$	34,184	$	34,389	$	—	$	34,389	$	—
2025 Convertible Notes	102,312		94,690		—		94,690		—
2029 Convertible Notes	222,791		221,529		—		221,529		—


	Carrying Value		Estimated Fair Value
	September 30, 2023		September 30, 2023		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
Promissory note receivable due April 2024	$	1,251	$	1,251	$	—	$	—	$	1,251
Promissory note receivable from Founders	16,500		16,500		—		—		16,500
Investments in unconsolidated affiliates	10,987		35,998		35,998		—		—

Financial liabilities:
2024 Convertible Notes	$	34,265	$	35,765	$	—	$	35,765	$	—
2025 Convertible Notes	102,563		96,137		—		96,137		—
2029 Convertible Notes	223,284		224,112		—		224,112		—

Leases - Additional Information (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Lessee, Lease, Description [Line Items]
Operating lease payments	$ 24,300	$ 18,900	$ 44,600	$ 37,400
Payments of finance leases	100	0	276	0
Interest on financing lease liabilities	$ 100	$ 0	100	0
Operating lease liability non cash			35,000	34,500
Finance lease liability non cash			$ 200	$ 1,200
Minimum
Lessee, Lease, Description [Line Items]
Initial term of lease	3 years		3 years
Finance, term of lease	2 years		2 years
Maximum
Lessee, Lease, Description [Line Items]
Initial term of lease	10 years		10 years
Finance, term of lease	5 years		5 years

Leases - Operating And Financing Lease Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023	Mar. 31, 2023
Operating Leases
Remaining 2024	$ 35,375
Fiscal 2025	75,330
Fiscal 2026	64,181
Fiscal 2027	49,593
Fiscal 2028	34,224
Thereafter	50,899
Total lease liabilities	309,602
Less: portion representing imputed interest	56,659
Total net lease liabilities	252,943
Less: current portion	55,658	$ 57,182	$ 53,921
Total long term net lease liabilities	197,285	193,187	191,874
Financing Leases
Remaining 2024	382
Fiscal 2025	849
Fiscal 2026	849
Fiscal 2027	536
Fiscal 2028	28
Thereafter	0
Total lease liabilities	2,644
Less: portion representing imputed interest	435
Total net lease liabilities	2,209
Less: current portion	583	530	282
Total long term net lease liabilities	$ 1,626	$ 1,715	$ 1,024

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024	Mar. 31, 2023
Statement of Comprehensive Income [Abstract]
Net income (loss)	$ 21,479	$ (6,790)	$ 49,949	$ 9,988
Other comprehensive income:
Foreign currency translation adjustment, net of income tax expense for our investment in unconsolidated affiliate of $98 and $1,133 for the three months ended March 31, 2024, and 2023, respectively and $41 and $737 for the six months ended March 31, 2024, and 2023, respectively	4,457	16,148	9,090	18,652
Comprehensive income	$ 25,936	$ 9,358	$ 59,039	$ 28,640

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

+ Details

Supplemental Consolidated Financial Information (Tables)

6 Months Ended

Mar. 31, 2024

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, 2024		March 31, 2023		September 30, 2023

Gross pawn service charges receivable	$	48,812	$	42,335	$	50,881
Allowance for uncollectible pawn service charges receivable	(10,544)		(9,219)		(11,996)
Pawn service charges receivable, net	$	38,268	$	33,116	$	38,885

Gross inventory	$	166,557	$	153,348	$	169,138
Inventory reserves	(3,128)		(3,051)		(2,661)
Inventory, net	$	163,429	$	150,297	$	166,477

Prepaid expenses and other	$	8,846	$	7,677	$	4,106
Accounts receivable, notes receivable and other	33,849		27,817		30,548
Income taxes prepaid and receivable	4,447		10,070		4,969
Prepaid expenses and other current assets	$	47,142	$	45,564	$	39,623

Property and equipment, gross	$	281,239	$	325,458	$	345,461
Accumulated depreciation	(217,933)		(265,683)		(277,365)
Property and equipment, net	$	63,306	$	59,775	$	68,096

Accounts payable	$	11,413	$	18,443	$	23,022
Accrued payroll	12,176		8,842		11,472
Incentive accrual	9,454		8,997		18,544
Other payroll related expenses	5,178		8,351		5,262
Accrued sales and VAT taxes	5,111		6,949		5,565
Accrued income taxes payable	3,014		3,662		2,628
Other current liabilities	16,492		17,451		15,112
Accounts payable, accrued expenses and other current liabilities	$	62,838	$	72,695	$	81,605

Schedule of Supplemental Disclosure of Consolidated Statements of Cash Flows Information

The following table provides supplemental disclosure of condensed consolidated statements of cash flows information:


	Six Months Ended March 31,
(in thousands)	2024		2023

Supplemental disclosure of cash flow information
Cash and cash equivalents at beginning of period	$	220,595	$	206,028
Restricted cash at beginning of period	8,373		8,341
Total cash and cash equivalents and restricted cash at beginning of period	$	228,968	$	214,369

Cash and cash equivalents at end of period	$	229,111	$	243,128
Restricted cash at end of period	8,581		8,451
Total cash and cash equivalents and restricted cash at end of period	$	237,692	$	251,579

Non-cash investing and financing activities:
Pawn loans forfeited and transferred to inventory	$	183,532	$	159,398

Transfer of equity consideration for acquisition	—		99
Acquisition earn-out contingency	—		2,000
Accrued acquisition consideration	616		1,145

Contingencies	6 Months Ended
Contingencies	Mar. 31, 2024
Commitments and Contingencies Disclosure [Abstract]
Contingencies	NOTE 9: CONTINGENCIES Currently, and from time to time, we are involved in various claims, disputes, lawsuits, investigations, and legal and regulatory proceedings. 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. 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.

Fair Value Measurements - Additional Information (Details) - USD ($) $ in Thousands	1 Months Ended	3 Months Ended	6 Months Ended
	Apr. 30, 2019	Mar. 31, 2023	Mar. 31, 2024	Dec. 31, 2022	Mar. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Acquisition earn-out contingency		$ 2,000	$ 0
Bajio
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Obligation with an offset, other		2,500
Acquisition earn-out contingency		$ 2,500
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%
Promissory note receivable from Founders
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Notes receivable, fair value				$ 15,000
Interest on note receivable			15.00%

Goodwill

6 Months Ended

Mar. 31, 2024

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill

NOTE 2: GOODWILL

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


	Six Months Ended March 31, 2024
(in thousands)	U.S. Pawn		Latin America Pawn		Consolidated

Balances as of September 30, 2023	$	255,942	$	46,430	$	302,372
Acquisitions (a)	6,330		—		6,330


Effect of foreign currency translation changes	—		1,956		1,956
Balances as of March 31, 2024	$	262,272	$	48,386	$	310,658


	Six Months Ended March 31, 2023
(in thousands)	U.S. Pawn		Latin America Pawn		Consolidated

Balances as of September 30, 2022	$	245,503	$	41,325	$	286,828
Acquisitions (a)	9,468		—		9,468

Effect of foreign currency translation changes	—		3,782		3,782

Balances as of March 31, 2023	$	254,971	$	45,107	$	300,078

Leases (Tables)

6 Months Ended

Mar. 31, 2024

Leases [Abstract]

Schedule of Lessee Assets and Liabilities

The table below presents balances of our lease assets and liabilities and their balance sheet locations for both operating and financing leases:


(in thousands)	Balance Sheet Location	March 31, 2024		March 31, 2023		September 30, 2023
Lease assets:
Operating lease right-of-use assets	Right-of-use assets, net	$	243,752	$	234,287	$	234,388
Financing lease assets	Other assets	2,094		1,289		2,178
Total lease assets		$	245,846	$	235,576	$	236,566




Lease liabilities:
Current:
Operating lease liabilities	Operating lease liabilities, current	$	55,658	$	53,921	$	57,182
Financing lease liabilities	Accounts payable, accrued expenses and other current liabilities	583		282		530
Total current lease liabilities		$	56,241	$	54,203	$	57,712

Non-current:
Operating lease liabilities	Operating lease liabilities	$	197,285	$	191,874	$	193,187
Financing lease liabilities	Other long-term liabilities	1,626		1,024		1,715
Total non-current lease liabilities		$	198,911	$	192,898	$	194,902
Total lease liabilities		$	255,152	$	247,101	$	252,614

Schedule of Lease Cost

The table below provides major components of our lease costs:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands)	2024		2023		2024		2023

Operating lease cost:
Operating lease cost *	$	19,840	$	18,023	$	38,906	$	35,518
Variable lease cost	4,643		4,028		8,858		7,880
Total operating lease cost	$	24,483	$	22,051	$	47,764	$	43,398

Financing lease cost:
Amortization of financing lease assets	$	164	$	55	$	315	$	74
Interest on financing lease liabilities	63		24		128		35
Total financing lease cost	$	227	$	79	$	443	$	109
Total lease cost	$	24,710	$	22,130	$	48,207	$	43,507

The weighted-average term and discount rates for leases are as follows:


	Six Months Ended March 31,
	2024		2023

Weighted-average remaining lease term (years):
Operating leases	4.88		5.16
Financing leases	3.17		3.97

Weighted-average discount rate:
Operating leases	8.41	%	8.42	%
Financing leases	11.14	%	11.14	%

Schedule of Operating Lease Maturity

As of March 31, 2024, maturities of lease liabilities under ASC 842 by fiscal year were as follows:


(in thousands)	Operating Leases		Financing Leases
Remaining 2024	$	35,375	$	382
Fiscal 2025	75,330		849
Fiscal 2026	64,181		849
Fiscal 2027	49,593		536
Fiscal 2028	34,224		28
Thereafter	50,899		—
Total lease liabilities	$	309,602	$	2,644
Less: portion representing imputed interest	56,659		435
Total net lease liabilities	$	252,943	$	2,209
Less: current portion	55,658		583
Total long term net lease liabilities	$	197,285	$	1,626

Cover Page - shares	6 Months Ended
Cover Page - shares	Mar. 31, 2024	Apr. 24, 2024
Document Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2024
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	2024
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		51,972,207
Common Stock Class B Voting
Document Information [Line Items]
No Trading Symbol Class B
Entity Common Stock, Shares Outstanding		2,970,171

Debt - Convertible Senior Notes Due 2024 (Details) $ / shares in Units, shares in Thousands		6 Months Ended
	Jul. 05, 2017 USD ($) $ / shares	Mar. 31, 2024 USD ($) $ / shares shares	Sep. 30, 2023 USD ($)	Mar. 31, 2023 USD ($)
Debt Instrument [Line Items]
Amount outstanding		$ 367,762,000	$ 367,762,000	$ 367,762,000
Senior Notes
Debt Instrument [Line Items]
Amount outstanding		367,762,000
2024 Convertible Notes \| Common Class A
Debt Instrument [Line Items]
Conversion rate per $1,000 principal amount	0.1
If-converted value in excess of principal amount		$ 2,200,000
Number of shares potentially issuable \| shares		205
2024 Convertible Notes \| Senior Notes
Debt Instrument [Line Items]
Stated interest rate	2.875%
Principle amount	$ 143,750,000
Amount outstanding		$ 34,389,000
Effective interest rate		3.35%
Conversion price, per share (in dollars per share) \| $ / shares	$ 10.00	$ 10.00

Common Stock and Stock Compensation - Additional Information (Details) - USD ($) $ in Thousands		1 Months Ended	3 Months Ended				6 Months Ended		23 Months Ended
	May 03, 2022	Dec. 31, 2022	Mar. 31, 2024	Dec. 31, 2023	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2024	Mar. 31, 2023	Mar. 31, 2024
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common stock repurchased and retired (in shares)		578,703
Common stock repurchased and retired			$ 3,003	$ 3,007	$ 3,951	$ 7,027
Purchase and retirement of treasury stock		$ 5,000					$ 6,010	$ 10,978
Common Class A
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock repurchase program, amount authorized	$ 50,000
Stock repurchase program, period (in years)	3 years
Common stock repurchased and retired (in shares)			305,475		448,331		660,357	691,393	2,287,402
Common stock repurchased and retired			$ 3,000		$ 3,900		$ 6,000	$ 6,000	$ 20,000

- Definition

Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Topic 718
-SubTopic 10
-Name Accounting Standards Codification
-Section 35
-Paragraph 1D
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147480483/718-10-35-1D

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Segment Information - Reconciliation of Segment Assets (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023	Mar. 31, 2023
Segment Reporting Information [Line Items]
Pawn loans	$ 235,773	$ 245,766	$ 206,096
Pawn service charges receivable, net	38,268	38,885	33,116
Inventory, net	163,429	166,477	150,297
Total assets	1,508,142	1,467,711	1,420,532
Operating Segments \| U.S. Pawn
Segment Reporting Information [Line Items]
Pawn loans	173,744	190,624	157,043
Pawn service charges receivable, net	33,218	34,318	28,944
Inventory, net	121,863	128,901	112,147
Total assets	1,003,447	984,539	901,745
Operating Segments \| Latin America Pawn
Segment Reporting Information [Line Items]
Pawn loans	62,029	55,142	49,053
Pawn service charges receivable, net	5,050	4,567	4,172
Inventory, net	41,566	37,576	38,150
Total assets	330,256	313,164	291,886
Operating Segments \| Other Investments
Segment Reporting Information [Line Items]
Pawn loans	0	0	0
Pawn service charges receivable, net	0	0	0
Inventory, net	0	0	0
Total assets	81,238	63,707	66,011
Corporate Items
Segment Reporting Information [Line Items]
Pawn loans	0	0	0
Pawn service charges receivable, net	0	0	0
Inventory, net	0	0	0
Total assets	$ 93,201	$ 106,301	$ 160,890

Debt - Convertible Senior Notes Due 2025 (Details)	May 14, 2018 USD ($) day $ / shares	Mar. 31, 2024 USD ($)	Sep. 30, 2023 USD ($)	Mar. 31, 2023 USD ($)
Debt Instrument [Line Items]
Amount outstanding \| $		$ 367,762,000	$ 367,762,000	$ 367,762,000
Senior Notes
Debt Instrument [Line Items]
Amount outstanding \| $		367,762,000
2025 Convertible Notes \| Senior Notes
Debt Instrument [Line Items]
Stated interest rate	2.375%
Principle amount \| $	$ 172,500,000
Amount outstanding \| $		$ 103,373,000
Effective interest rate		2.88%
Conversion rate per $1,000 principal amount	0.0628931
Conversion price, per share (in dollars per share) \| $ / shares	$ 15.90
2025 Convertible Notes \| Senior Notes \| Debt Instrument, Redemption, Period One
Debt Instrument [Line Items]
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
Debt Instrument [Line Items]
Threshold trading days (whether or not consecutive)	20
Threshold consecutive trading days	30
Threshold percentage of stock price trigger	130.00%
2025 Convertible Notes \| Senior Notes \| Debt Conversion, Condition Two
Debt Instrument [Line Items]
Threshold consecutive trading days	5
Threshold percentage of stock price trigger	98.00%
Business day threshold	5

Debt - Principal Payment Schedule (Details) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023	Mar. 31, 2023
Debt Instrument [Line Items]
Gross Amount	$ 367,762	$ 367,762	$ 367,762
Senior Notes
Debt Instrument [Line Items]
Remaining 2024	34,389
Fiscal 2025	103,373
Fiscal 2026	0
Fiscal 2027	0
Fiscal 2028	0
Thereafter	230,000
Gross Amount	367,762
Senior Notes \| 2029 Convertible Notes
Debt Instrument [Line Items]
Remaining 2024	0
Fiscal 2025	0
Fiscal 2026	0
Fiscal 2027	0
Fiscal 2028	0
Thereafter	230,000
Gross Amount	230,000
Senior Notes \| 2025 Convertible Notes
Debt Instrument [Line Items]
Remaining 2024	0
Fiscal 2025	103,373
Fiscal 2026	0
Fiscal 2027	0
Fiscal 2028	0
Thereafter	0
Gross Amount	103,373
Senior Notes \| 2024 Convertible Notes
Debt Instrument [Line Items]
Remaining 2024	34,389
Fiscal 2025	0
Fiscal 2026	0
Fiscal 2027	0
Fiscal 2028	0
Thereafter	0
Gross Amount	$ 34,389

Earnings (Loss) per Share (Details) - USD ($) $ / shares in Units, shares in Thousands	3 Months Ended			6 Months Ended
	Mar. 31, 2024	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2024	Mar. 31, 2023	Jul. 05, 2017
Basic earnings (loss) per common share:
Net income (loss) - basic	$ 21,479,000	$ (6,790,000)		$ 49,949,000	$ 9,988,000
Weighted shares outstanding - basic (in shares)	55,093	55,648		55,084	55,981
Basic earnings (loss) per common share (in dollars per share)	$ 0.39	$ (0.12)		$ 0.91	$ 0.18
Diluted earnings (loss) per common share:
Net income (loss) - basic	$ 21,479,000	$ (6,790,000)		$ 49,949,000	$ 9,988,000
Add: Convertible Notes expense, net of tax	2,415,000	0		5,074,000
Add: Convertible Notes expense, net of tax					(2,733,000)
Net income (loss) - diluted	$ 23,894,000	$ (6,790,000)		$ 55,023,000	$ 7,255,000
Weighted shares outstanding - basic (in shares)	55,093	55,648		55,084	55,981
Equity-based compensation awards - effect of dilution (in shares)	974	0		1,156	1,067
Convertible Notes - effect of dilution (in shares)	26,978	0		28,708	8,221
Weighted shares outstanding - diluted (in shares)	83,045	55,648		84,948	65,269
Diluted earnings (loss) per common share (in dollars per share)	$ 0.29	$ (0.12)		$ 0.65	$ 0.11
Potential common shares excluded from the calculation of diluted earnings (loss) per common share above (in shares)	1,676	32,935		1,673	21,669
Loss on extinguishment of debt			$ 3,500,000	$ 0	$ 3,545,000
2025 Convertible Notes
Diluted earnings (loss) per common share:
Loss on extinguishment of debt					5,400,000
2024 Convertible Notes \| Senior Notes
Diluted earnings (loss) per common share:
Potential common shares excluded from the calculation of diluted earnings (loss) per common share above (in shares)	3,400
Loss on extinguishment of debt	$ 0	$ 0		$ 0	$ 8,935,000
Principle amount						$ 143,750,000
Weighted average shares				1,700
Conversion price, per share (in dollars per share)	$ 10.00			$ 10.00		$ 10.00
Equity-based compensation awards
Diluted earnings (loss) per common share:
Potential common shares excluded from the calculation of diluted earnings (loss) per common share above (in shares)	0	1,014		0	0
Convertible Notes
Diluted earnings (loss) per common share:
Potential common shares excluded from the calculation of diluted earnings (loss) per common share above (in shares)	0	30,417		0	20,141
Restricted stock
Diluted earnings (loss) per common share:
Potential common shares excluded from the calculation of diluted earnings (loss) per common share above (in shares)	1,676	1,504		1,673	1,528

Common Stock and Stock Compensation - Restricted Stock Award Activity (Details) - Restricted stock	6 Months Ended
	Mar. 31, 2024 $ / shares shares
Shares
Outstanding, beginning balance (in shares)	2,555,899
Granted (in shares)	1,430,997
Released (in shares)	(1,225,328)
Cancelled (in shares)	(32,566)
Outstanding, ending balance (in shares)	2,729,002
Weighted Average Grant Date Fair Value
Outstanding, beginning balance (in dollars per share) \| $ / shares	$ 6.80
Granted (in dollars per share) \| $ / shares	7.56
Released (in dollars per share) \| $ / shares	5.25
Cancelled (in dollars per share) \| $ / shares	6.96
Outstanding, ending balance (in dollars per share) \| $ / shares	$ 7.89
Performance adjustment (in shares)	353,993
Number of shares withheld to satisfy related federal income tax withholding (in shares)	377,231

CONDENSED CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2024	Sep. 30, 2023	Mar. 31, 2023
Current assets:
Cash and cash equivalents	$ 229,111	$ 220,595	$ 243,128
Restricted cash	8,581	8,373	8,451
Pawn loans	235,773	245,766	206,096
Pawn service charges receivable, net	38,268	38,885	33,116
Inventory, net	163,429	166,477	150,297
Prepaid expenses and other current assets	47,142	39,623	45,564
Total current assets	722,304	719,719	686,652
Investments in unconsolidated affiliates	13,162	10,987	10,681
Other investments	51,220	36,220	39,220
Property and equipment, net	63,306	68,096	59,775
Right-of-use assets, net	243,752	234,388	234,287
Goodwill	310,658	302,372	300,078
Intangible assets, net	61,714	58,216	59,620
Notes receivable, net	0	0	1,233
Deferred tax asset, net	26,247	25,702	19,127
Other assets, net	15,779	12,011	9,859
Total assets	1,508,142	1,467,711	1,420,532
Current liabilities:
Current maturities of long-term debt, net	34,347	34,265	0
Accounts payable, accrued expenses and other current liabilities	62,838	81,605	72,695
Customer layaway deposits	20,352	18,920	18,761
Operating lease liabilities, current	55,658	57,182	53,921
Total current liabilities	173,195	191,972	145,377
Long-term debt, net	326,573	325,847	359,287
Deferred tax liability, net	465	435	368
Operating lease liabilities	197,285	193,187	191,874
Other long-term liabilities	10,228	10,502	11,038
Total liabilities	707,746	721,943	707,944
Commitments and contingencies (Note 9)
Stockholders’ equity:
Additional paid-in capital	345,174	346,181	343,088
Retained earnings	477,683	431,140	405,961
Accumulated other comprehensive loss	(23,012)	(32,102)	(37,017)
Total equity	800,396	745,768	712,588
Total liabilities and equity	1,508,142	1,467,711	1,420,532
Common Stock Class A Non-voting
Stockholders’ equity:
Common stock	521	519	526
Common Stock Class B Voting
Stockholders’ equity:
Common stock	$ 30	$ 30	$ 30