View Filing Data

Document and Entity Information - USD ($) $ in Millions	9 Months Ended
Document and Entity Information - USD ($) $ in Millions	Jun. 30, 2011	Mar. 31, 2010
Entity Registrant Name	EZCORP INC
Entity Central Index Key	0000876523
Document Type	10-Q
Document Period End Date	Jun. 30, 2011
Amendment Flag	false
Document Fiscal Year Focus	2011
Document Fiscal Period Focus	Q3
Current Fiscal Year End Date	--09-30
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Large Accelerated Filer
Entity Public Float		$ 921
Common Class A Non-voting
Entity Common Stock, Shares Outstanding	46,971,535
Common Class B Voting
Entity Common Stock, Shares Outstanding	2,970,171

Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2011	Sep. 30, 2010	Jun. 30, 2010
Current assets:
Cash and cash equivalents	$ 27,492	$ 25,854	$ 14,912
Pawn loans	134,633	121,201	112,807
Signature loans, net	12,089	10,775	8,915
Auto title loans, net	2,348	3,145	2,802
Pawn service charges receivable, net	24,372	21,626	19,899
Signature loan fees receivable, net	5,646	5,818	5,493
Auto title loan fees receivable, net	1,238	1,616	1,314
Inventory, net	79,031	71,502	61,027
Deferred tax asset	16,150	23,208	15,857
Income taxes receivable	3,099	0	10,655
Prepaid expenses and other assets	21,932	17,427	15,179
Total current assets	328,030	302,172	268,860
Investments in unconsolidated affiliates	114,777	101,386	99,773
Property and equipment, net	75,049	62,293	59,045
Deferred tax asset, non-current	0	60	5,472
Goodwill	167,017	117,305	115,570
Other assets, net	28,748	23,196	22,663
Total assets	713,621	606,412	571,383
Current liabilities:
Current maturities of long-term debt	0	10,000	10,000
Accounts payable and other accrued expenses	53,242	49,663	44,194
Customer layaway deposits	6,131	6,109	5,404
Income taxes payable	0	3,687	0
Total current liabilities	59,373	69,459	59,598
Long-term debt, less current maturities	26,500	15,000	17,500
Deferred tax liability	1,237	0	0
Deferred gains and other long-term liabilities	2,209	2,525	2,630
Total liabilities	89,319	86,984	79,728
Commitments and contingencies
Stockholders' equity:
Additional paid-in capital	233,056	225,374	224,243
Retained earnings	385,730	299,936	272,084
Accumulated other comprehensive income (loss)	5,017	(6,375)	(5,164)
Total stockholders' equity	624,302	519,428	491,655
Total liabilities and stockholders' equity	713,621	606,412	571,383
Common Class A Non-voting
Stockholders' equity:
Common Stock	469	463	462
Common Class B Voting
Stockholders' equity:
Common Stock	$ 30	$ 30	$ 30

Condensed Consolidated Balance Sheets (Parenthetical) - $ / shares	Jun. 30, 2011	Sep. 30, 2010	Jun. 30, 2010
Common Class A Non-voting
Stockholders' equity:
Common Stock, par value	$ 0.01	$ 0.01	$ 0.01
Common Stock, shares authorized	54,000,000	54,000,000	54,000,000
Common Stock, shares issued	46,971,535	46,256,051	46,247,951
Common Stock, shares outstanding	46,971,535	46,256,051	46,247,951
Common Class B Voting
Stockholders' equity:
Common Stock, par value	$ 0.01	$ 0.01	$ 0.01
Common Stock, shares authorized	3,000,000	3,000,000	3,000,000
Common Stock, shares issued	2,970,171	2,970,171	2,970,171
Common Stock, shares outstanding	2,970,171	2,970,171	2,970,171

Condensed Consolidated Statements of Operations (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Revenues:
Sales	$ 115,345	$ 97,051	$ 363,658	$ 301,645
Pawn service charges	48,365	39,424	144,944	118,527
Signature loan fees	34,195	32,296	109,364	102,616
Auto title loan fees	4,675	4,658	16,288	11,716
Other	572	113	978	373
Total revenues	203,152	173,542	635,232	534,877
Cost of goods sold	69,128	58,985	219,258	183,717
Signature loan bad debt	10,491	8,917	25,975	22,104
Auto title loan bad debt	536	836	1,820	1,616
Net revenues	122,997	104,804	388,179	327,440
Operating expenses:
Operations	66,753	57,952	197,302	174,338
Administrative	14,379	13,576	56,250	39,356
Depreciation and amortization	4,679	3,759	13,324	10,688
(Gain) loss on sale / disposal of assets	169	734	(2)	1,301
Total operating expenses	85,980	76,021	266,874	225,683
Operating income	37,017	28,783	121,305	101,757
Interest income	(21)	(135)	(35)	(151)
Interest expense	586	311	1,186	1,071
Income from investments in unconsolidated affiliates	(4,099)	(2,930)	(12,157)	(7,519)
Other	(103)	(100)	(160)	(103)
Income before income taxes	40,654	31,637	132,471	108,459
Income tax expense	14,127	11,675	46,677	39,017
Net income	$ 26,527	$ 19,962	$ 85,794	$ 69,442
Net income per common share:
Basic	$ 0.53	$ 0.41	$ 1.72	$ 1.42
Diluted	$ 0.53	$ 0.40	$ 1.71	$ 1.40
Weighted average shares outstanding:
Basic	49,926	49,201	49,849	48,969
Diluted	50,385	49,640	50,292	49,541

Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Jun. 30, 2011	Jun. 30, 2010
Operating Activities:
Net income	$ 85,794	$ 69,442
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	13,324	10,688
Signature loan and auto title loan loss provisions	11,182	7,785
Deferred taxes	8,562	653
(Gain) loss on sale / disposal of assets	(2)	1,301
Stock compensation	11,536	3,457
Income from investments in unconsolidated affiliates	(12,157)	(7,519)
Changes in operating assets and liabilities, net of business acquisitions:
Service charges and fees receivable, net	(984)	(2,019)
Inventory, net	(1,249)	1,194
Prepaid expenses, other current assets, and other assets, net	(4,274)	(4,043)
Accounts payable and accrued expenses	2,301	10,232
Customer layaway deposits	(157)	1,120
Deferred gains and other long-term liabilities	(262)	(630)
Excess tax benefit from stock compensation	(3,165)	(1,850)
Income taxes	(3,459)	(9,287)
Net cash provided by operating activities	106,990	80,524
Investing Activities:
Loans made	(466,465)	(389,548)
Loans repaid	296,989	247,724
Recovery of pawn loan principal through sale of forfeited collateral	150,842	127,180
Additions to property and equipment	(24,421)	(18,719)
Proceeds on disposal of assets		1,347
Acquisitions, net of cash acquired	(64,823)	(19,008)
Investments in unconsolidated affiliates		(59,081)
Dividends from unconsolidated affiliates	7,274	3,840
Net cash used in investing activities	(100,604)	(106,265)
Financing Activities:
Proceeds from exercise of stock options	397	1,536
Excess tax benefit from stock compensation	3,165	1,850
Debt issuance costs	(2,397)	3
Taxes paid related to net share settlement of equity awards	(7,409)
Net Proceeds (payments) on revolving line of credit	26,500
Payment on bank borrowings	(25,004)	(7,500)
Net cash used in financing activities	(4,748)	(4,111)
Change in cash and cash equivalents	1,638	(29,852)
Cash and cash equivalents at beginning of period	25,854	44,764
Cash and cash equivalents at end of period	27,492	14,912
Non-cash Investing and Financing Activities:
Pawn loans forfeited and transferred to inventory	152,415	123,896
Foreign currency translation adjustment	$ (10,901)	544
Acquisition-related stock issuance		(31)
Issuance of common stock to 401(k) plan		$ 260

Basis of Presentation	9 Months Ended
Basis of Presentation	Jun. 30, 2011
Basis of Presentation [Abstract]
Basis of Presentation	*Note A: Basis of Presentation* The accompanying unaudited interim condensed consolidated financial statements have been prepared in accordance with generally accepted accounting principles for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. Our management has included all adjustments it considers necessary for a fair presentation. These adjustments are of a normal, recurring nature except for those related to acquired businesses (described in Note C). The accompanying financial statements should be read with the Notes to Consolidated Financial Statements included in our Annual Report on Form 10-K for the year ended September 30, 2010. The balance sheet at September 30, 2010 has been derived from the audited financial statements at that date but does not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. Certain prior period balances have been reclassified to conform to the current presentation. Our business is subject to seasonal variations and operating results for the interim periods ended June 30, 2011 (the “current quarter” and “current year-to-date period”) are not necessarily indicative of the results of operations for the full fiscal year.

- Definition

The entire disclosure for organization, consolidation and basis of presentation of financial statements disclosure.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph 2-6
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Name Statement of Position (SOP)
-Publisher AICPA
-Number 94-6
-Paragraph 10
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Name FASB Interpretation (FIN)
-Publisher FASB
-Number 46R
-Paragraph 4, 14, 15
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 205
-SubTopic 10
-Section 45
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6359553&loc=d3e288-107754

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 810
-SubTopic 10
-URI http://asc.fasb.org/subtopic&trid=2197480

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 810
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6921930&loc=d3e5614-111684

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 915
-SubTopic 235
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6472506&loc=d3e38932-110933

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 852
-SubTopic 10
-URI http://asc.fasb.org/subtopic&trid=2209116

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 272
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6373374&loc=d3e70478-108055

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 810
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6970148&loc=SL6228881-111685

Reference 12: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 205
-SubTopic 10
-URI http://asc.fasb.org/subtopic&trid=2122150

Reference 13: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 205
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6359566&loc=d3e326-107755

Reference 14: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 720
-SubTopic 15
-URI http://asc.fasb.org/subtopic&trid=2122524

Reference 15: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 275
-SubTopic 10
-URI http://asc.fasb.org/subtopic&trid=2134480

Reference 16: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name FASB Staff Position (FSP)
-Number FAS140-4/FIN46(R)-8
-Paragraph 8, C1, C7
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

Significant Accounting Policies	9 Months Ended
Significant Accounting Policies	Jun. 30, 2011
Significant Accounting Policies [Abstract]
Significant Accounting Policies	Note B: Significant Accounting Policies *Consolidation:* The consolidated financial statements include the accounts of EZCORP, Inc. and its wholly owned subsidiaries. All significant inter-company accounts and transactions have been eliminated in consolidation. We account for our investments in Albemarle & Bond Holdings, PLC and Cash Converters International Limited using the equity method. *Pawn Loan and Sales Revenue Recognition:* We record pawn service charges using the interest method for all pawn loans we believe to be collectible. We base our estimate of collectible loans on several factors, including recent redemption rates, historical trends in redemption rates and the amount of loans due in the following two months. Unexpected variations in any of these factors could change our estimate of collectible loans, affecting our earnings and financial condition. If a pawn loan is not repaid, we value the forfeited collateral (inventory) at the lower of cost (pawn loan principal) or market value of the property. We record sales revenue and the related cost when this inventory is sold, or when we receive the final payment on a layaway sale. Sales tax collected upon the sale of inventory is excluded from the amount recognized as sales and instead recorded as a liability in “Accounts payable and other accrued expenses” on our balance sheets until remitted to the appropriate governmental authorities. *Signature Loan Credit Service Fee Revenue Recognition:* We earn credit service fees when we assist customers in obtaining signature loans from unaffiliated lenders. We initially defer recognition of the fees we expect to collect, net of direct expenses, and recognize that deferred net amount over the life of the related loans. We reserve the percentage of credit service fees we expect not to collect. Accrued fees related to defaulted loans reduce credit service fee revenue upon loan default, and increase credit service fee revenue upon collection. Signature loan credit service fee revenue is included in “Signature loan fees” on our statements of operations. *Signature Loan Credit Service Bad Debt:* We issue letters of credit to enhance the creditworthiness of our customers seeking signature loans from unaffiliated lenders. The letters of credit assure the lenders that if borrowers default on the loans, we will pay the lenders, upon demand, the principal and accrued interest owed to the lenders by the borrowers plus any insufficient funds fees and late fees. Although amounts paid under letters of credit may be collected later, we charge those amounts to signature loan bad debt upon default. We record recoveries under the letters of credit as a reduction of bad debt at the time of collection. After attempting collection of bad debts internally, we occasionally sell them to an unaffiliated company as another method of recovery, and record the proceeds from such sales as a reduction of bad debt at the time of the sale. The majority of our credit service customers obtain short-term signature loans with a single maturity date. These short-term loans, with maturity dates averaging about 16 days, are considered defaulted if they have not been repaid or renewed by the maturity date. Other credit service customers obtain installment loans with a series of payments due over as much as a five-month period. If one payment of an installment loan is delinquent, that one payment is considered defaulted. If more than one installment payment is delinquent at any time, the entire loan is considered defaulted. *Allowance for Losses on Signature Loan Credit Services:* We provide an allowance for losses we expect to incur under letters of credit for brokered signature loans that have not yet matured. The allowance is based on recent loan default experience adjusted for seasonal variations. It includes all amounts we expect to pay to the unaffiliated lenders upon loan default, including loan principal, accrued interest, insufficient funds fees and late fees, net of the amounts we expect to collect from borrowers (collectively, “Expected LOC Losses”). Changes in the allowance are charged to signature loan bad debt. We include the balance of Expected LOC Losses in “Accounts payable and other accrued expenses” on our balance sheets. At June 30, 2011, the allowance for Expected LOC Losses on signature loans was $1.5 million and our maximum exposure for losses on letters of credit, if all brokered signature loans defaulted and none was collected, was $23.7 million. This amount includes principal, interest, insufficient funds fees and late fees. Based on the expected loss and collection percentages, we also provide an allowance for the signature loan credit service fees we expect not to collect, and charge changes in this allowance to signature loan fee revenue. *Signature Loan Revenue Recognition:* We accrue fees in accordance with state and provincial laws on the percentage of signature loans (payday loans and installment loans) we have made that we believe to be collectible. Accrued fees related to defaulted loans reduce fee revenue upon loan default, and increase fee revenue upon collection. *Signature Loan Bad Debt:* We consider a payday loan defaulted if it has not been repaid or renewed by the maturity date. If one payment of an installment loan is delinquent, that one payment is considered defaulted. If more than one installment payment is delinquent at any time, the entire installment loan is considered defaulted. Although defaulted loans may be collected later, we charge the loan principal to signature loan bad debt upon default, leaving only active loans in the reported balance. We record collections of principal as a reduction of signature loan bad debt when collected. After attempting collection of bad debts internally, we occasionally sell them to an unaffiliated company as another method of recovery and record the proceeds from such sales as a reduction of bad debt at the time of the sale. *Signature Loan Allowance for Losses:* We provide an allowance for losses on signature loans that have not yet matured and related fees receivable, based on recent loan default experience adjusted for seasonal variations. We charge any changes in the principal valuation allowance to signature loan bad debt. We record changes in the fee receivable valuation allowance to signature loan fee revenue. *Auto Title Loan Credit Service Fee Revenue Recognition:* We earn auto title credit service fees when we assist customers in obtaining auto title loans from unaffiliated lenders. We recognize the fee revenue ratably over the life of the loan, and reserve the percentage of fees we expect not to collect. Auto title loan credit service fee revenue is included in “Auto title loan fees” on our statements of operations. *Bad Debt and Allowance for Losses on Auto Title Loan Credit Services:* We issue letters of credit to enhance the creditworthiness of our customers seeking auto title loans from unaffiliated lenders. The letters of credit assure the lenders that if borrowers default on the loans, we will pay the lenders, upon demand, all amounts owed to the lenders by the borrowers plus any late fees. Through a charge to auto title loan bad debt, we provide an allowance for losses we expect to incur under letters of credit for brokered auto title loans, and record actual charge-offs against this allowance. The allowance includes all amounts we expect to pay to the unaffiliated lenders upon loan default, including principal, accrued interest and late fees, net of the amounts we expect to collect from borrowers or through the sale of repossessed vehicles. We include the allowance for expected losses in “Accounts payable and other accrued expenses” on our balance sheets. At June 30, 2011, the allowance was $0.2 million and our maximum exposure for losses on letters of credit, if all brokered auto title loans defaulted and none was collected, was $5.9 million. *Auto Title Loan Revenue Recognition:* We accrue fees in accordance with state laws on the percentage of auto title loans we have made that we believe to be collectible. We recognize the fee revenue ratably over the life of the loan. *Auto Title Loan Bad Debt and Allowance for Losses:* Based on historical collection experience, the age of past-due loans and amounts we expect to receive through the sale of repossessed vehicles, we provide an allowance for losses on auto title loans and related fees receivable. We charge any increases in the principal valuation allowance to auto title loan bad debt and charge uncollectable loans against this allowance. We record changes in the fee receivable valuation allowance to auto title loan fee revenue. *Cash and Cash Equivalents and Cash Concentrations:* Cash and cash equivalents consist primarily of cash on deposit or highly liquid investments or mutual funds with original contractual maturities of three months or less. We hold cash at major financial institutions that often exceed FDIC insured limits. We manage our credit risk associated with cash and cash equivalents and cash concentrations by investing in high quality instruments or funds, concentrating our cash deposits in high quality financial institutions and by periodically evaluating the credit quality of the primary financial institutions issuing investments or holding such deposits. Historically, we have not experienced any losses due to such cash concentrations. *Inventory:* If a pawn loan is not redeemed, we record the forfeited collateral at cost (the principal amount of the pawn loan). We do not record loan loss allowances or charge-offs on the principal portion of pawn loans, as they are fully collateralized. In order to state inventory at the lower of cost (specific identification) or market value, we record an allowance for excess, obsolete or slow-moving inventory based on the type and age of merchandise. At June 30, 2011, the inventory valuation allowance was $8.0 million or 9.2% of gross inventory. We record changes in the inventory valuation allowance as cost of goods sold. *Intangible Assets:* Goodwill and other intangible assets having indefinite lives are not subject to amortization. They are tested for impairment each July 1^st, or more frequently if events or changes in circumstances indicate that they might be impaired, based on cash flows and other market valuation methods. We recognized no impairment of our intangible assets in the current or prior year periods. We amortize intangible assets with definite lives over their estimated useful lives, using the straight-line method. *Property and Equipment:* We record property and equipment at cost. We depreciate these assets on a straight-line basis using estimated useful lives of 30 years for buildings and 2 to 7 years for furniture, equipment, and software development costs. We depreciate leasehold improvements over the shorter of their estimated useful life (typically 10 years) or the reasonably assured lease term at the inception of the lease. Property and equipment is shown net of accumulated depreciation of $125.7 million at June 30, 2011. *Valuation of Tangible Long-Lived Assets:* We assess the impairment of tangible long-lived assets whenever events or changes in circumstances indicate that the net recorded amount may not be recoverable. The following factors could trigger an impairment review: significant underperformance relative to historical or projected future cash flows, significant changes in the manner of use of the assets or the strategy for the overall business, significant negative industry trends or legislative changes prohibiting us from offering our loan products. When we determine that the net recorded amount of tangible long-lived assets may not be recoverable, we measure impairment based on the excess of the assets’ net recorded amount over the estimated fair value. No impairment of tangible long-lived assets was recognized in the current or prior year periods. *Fair Value of Financial Instruments:* We have elected not to measure at fair value any eligible items for which fair value measurement is optional. We determine the fair value of financial instruments by reference to various market data and other valuation techniques, as appropriate. Unless otherwise disclosed, the fair values of financial instruments approximate their recorded values, due primarily to their short-term nature. The recorded value of our outstanding debt is assumed to estimate its fair value, as it has no prepayment penalty and a floating interest rate based on market rates. *Foreign Currency Translation:* Our equity investments in Albemarle & Bond and Cash Converters are translated from British pounds and Australian dollars, respectively, into U.S. dollars at the exchange rates as of the investees’ balance sheet date. The related interest in the investees’ net income is translated at the average exchange rates for each six-month period reported by the investees. The functional currency of our wholly-owned Empeño Fácil pawn segment is the Mexican peso and the functional currency of our wholly-owned foreign subsidiary CASHMAX is the Canadian dollar. Empeño Fácil’s and CASHMAX’s balance sheet accounts are translated from their respective functional currencies into U.S. dollars at the exchange rate at the end of each quarter, and their earnings are translated into U.S. dollars at the average exchange rate each quarter. We present resulting translation adjustments from Albemarle & Bond, Cash Converters, Empeño Fácil and CASHMAX as a separate component of stockholders’ equity. Foreign currency transaction gains and losses have not been significant, and are reported as “Other” expense in our statements of operations. *Income Taxes:* We account for income taxes using the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying value of assets and liabilities and their tax basis and for operating loss and tax credit carryforwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the related temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized when the rate change is enacted. *Stock Compensation:* We account for stock compensation in accordance with the fair value recognition provisions of Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 718-10-25 (Compensation — Stock Compensation). The fair value of restricted shares is measured as the closing market price of our stock on the date of grant, which is amortized over the vesting period for each grant. We have not granted any stock options since fiscal 2007. When granted, our policy is to estimate the grant-date fair value of options using the Black-Scholes-Merton option-pricing model and amortize that fair value to compensation expense on a ratable basis over the options’ vesting periods. *Recently Issued Accounting Pronouncements:* In June 2009, FASB amended ASC 810-10-65 (Consolidation). Amended ASC 810-10-65 relates to the consolidation of variable interest entities. It eliminates the quantitative approach previously required for determining the primary beneficiary of a variable interest entity and requires ongoing qualitative reassessments of whether an enterprise is the primary beneficiary of a variable interest entity. This guidance also requires additional disclosures about an enterprise’s involvement in variable interest entities. We adopted this amended standard October 1, 2010, resulting in no effect on our financial position, results of operations or cash flows. In July 2010, FASB issued Accounting Standards Update (“ASU”) 2010-20, “Disclosures about the Credit Quality of Financing Receivables and the Allowance for Credit Losses.” This update amends FASB ASC 310 (Receivables) to improve the disclosures that an entity provides about the credit quality of its financing receivables and the related allowance for credit losses. As a result of these amendments, an entity is required to disaggregate by portfolio segment or class certain existing disclosures and provide new disclosures about its financing receivables and related allowance for credit losses. We adopted this amended standard on October 1, 2010, resulting in no effect on our financial position, results of operations or cash flows. The additional required disclosures are included in Note M. In June 2011, FASB issued ASU 2011-05, “Presentation of Comprehensive Income.” This update amends FASB ASC 220 (Comprehensive Income) and eliminates the option to present components of other comprehensive income as part of the statement of changes in stockholders’ equity. The amendments require that all non-owner changes in stockholders’ equity be presented either in a single continuous statement of comprehensive income or in two separate but consecutive statements. We must adopt this amended standard in our fiscal year beginning October 1, 2012. Adoption of ASU 2011-05 will have no effect on our financial position, results of operations or cash flows other than the presentation of our results of operations.

Acquisitions	9 Months Ended
Acquisitions	Jun. 30, 2011
Acquisitions [Abstract]
Acquisitions	*Note C: Acquisitions* In the fiscal year ended September 2010, we acquired, through asset purchases, five pawn stores located in the Chicago metropolitan area, eight pawn stores located in Central and South Florida, two pawn stores located in Corpus Christi, Texas and one pawn store in Las Vegas, Nevada for approximately $21.8 million in cash. The stores were acquired from five separate sellers. We recorded approximately $4.9 million of net tangible assets and $1.0 million of intangible assets attributable to non-compete agreements and a pawn license. Goodwill of $15.9 million, which is expected to be fully tax deductible, was recorded in the U.S. Pawn Operations segment as part of these acquisitions. In the quarter ended December 31, 2010, we acquired three pawn stores located in the Chicago metropolitan area and one pawn store located in Marietta, Georgia for approximately $13.7 million in cash. The stores were acquired from four separate sellers. One of the stores in Chicago was acquired by purchasing all of the capital stock of the corporation that owned it, and the other three were acquired through asset purchases. We recorded approximately $2.8 million of net tangible assets, $0.1 million of intangible assets attributable to non-compete agreements and $10.8 million of goodwill, all of which was recorded in the U.S. Pawn Operations segment. Of the total goodwill, $6.1 million is expected to be fully tax deductible and $4.7 million is expected to be non-deductible. In the quarter ended March 31, 2011, we acquired five pawn stores located in Central and South Florida for approximately $17.8 million in cash. The stores were acquired from two separate sellers. One of the stores was acquired by purchasing all of the capital stock of the corporation that owned it, and the other four were acquired through asset purchases. We recorded approximately $2.8 million of net tangible assets, $0.1 million of intangible assets attributable to non-compete agreements and $14.9 million of goodwill, all of which was recorded in the U.S. Pawn Operations segment. Of the total goodwill, $10.0 million is expected to be fully tax deductible and $4.9 million is expected to be non-deductible. On April 8, 2011, we acquired for approximately $1.7 million the trademark and licensing rights of Cash Converters in Canada, including rights to receive fees from 13 stores operated by franchisees in Canada. We recorded in the EZMONEY Operations segment approximately $0.1 million of net tangible assets and $1.6 million of intangible assets related to this acquisition. In the quarter ended June 30, 2011, we acquired 23 stores located in Florida, Iowa, Wisconsin, Utah and the Chicago metropolitan area for approximately $31.6 million in cash. The stores were acquired from three separate sellers. Fifteen of the stores were acquired by purchasing all of the capital stock of the corporation that owned it, and the other eight were acquired through asset purchases. We recorded approximately $7.5 million of net tangible assets, $0.6 million of intangible assets mostly attributable to non-compete agreements and $23.5 million of goodwill, all of which was recorded in the U.S. Pawn Operations segment. Of the total goodwill, $10.8 million is expected to be fully tax deductible and $12.7 million is expected to be non-deductible. The factors contributing to the recognition of goodwill were based on several strategic and synergistic benefits we expect to realize from the acquisitions. These benefits include our initial entry into Chicago, Iowa, Wisconsin and Utah in addition to a greater presence in the prime pawn market of Florida and the ability to further leverage our expense structure through increased scale. All stores were acquired as part of our continuing strategy to acquire domestic pawn stores to enhance and diversify our earnings. Transaction related expenses were not material and were expensed as incurred. The results of all acquired stores have been consolidated with our results since their acquisition. The purchase price allocation of stores acquired in the most recent twelve months is preliminary as we continue to receive information regarding the acquired assets. Pro forma results of operations have not been presented because the acquisitions were not significant on either an individual or an aggregate basis.

- Definition

The entire disclosure for a business combination (or series of individually immaterial business combinations) completed during the period, including background, timing, and recognized assets and liabilities. The disclosure may include leverage buyout transactions (as applicable).

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Emerging Issues Task Force (EITF)
-Number 88-16
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 141
-Paragraph 51, 52
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 141R
-Appendix F
-Paragraph F4
-Subparagraph e

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 141R
-Paragraph 67-73
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 805
-SubTopic 30
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6911361&loc=d3e6927-128479

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 805
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6972119&loc=d3e1490-128463

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 805
-SubTopic 30
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6911361&loc=d3e7008-128479

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 805
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6972119&loc=d3e1500-128463

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 805
-SubTopic 20
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6910749&loc=d3e4926-128472

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 805
-SubTopic 20
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6910749&loc=d3e4922-128472

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 805
-SubTopic 30
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6911361&loc=d3e6996-128479

Reference 12: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 805
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=6972119&loc=d3e1524-128463

Reference 13: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 805
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6972119&loc=d3e1392-128463

Reference 14: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 805
-SubTopic 30
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6911361&loc=d3e7000-128479

Reference 15: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 805
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6910749&loc=d3e4845-128472

Reference 16: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 805
-SubTopic 20
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6910749&loc=d3e4934-128472

Reference 17: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 805
-SubTopic 10
-Section 50
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=6972119&loc=d3e1497-128463

Reference 18: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 805
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6972119&loc=d3e1486-128463

Reference 19: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 805
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6972119&loc=d3e1383-128463

+ Details

Earnings per Share

9 Months Ended

Jun. 30, 2011

Earnings Per Share [Abstract]

Earnings per Share

Note D: Earnings per Share

We compute basic earnings per share on the basis of the weighted average number of shares of common stock outstanding during the period. We compute diluted earnings per share on the basis of the weighted average number of shares of common stock plus the effect of dilutive potential common shares outstanding during the period using the treasury stock method. Dilutive potential common shares include outstanding stock options and restricted stock awards.

Potential common shares are required to be excluded from the computation of diluted earnings per share if the assumed proceeds upon exercise or vest, as defined by FASB ASC 718-10-25, are greater than the cost to re-acquire the same number of shares at the average market price, and therefore the effect would be anti-dilutive.

Components of basic and diluted earnings per share and excluded anti-dilutive potential common shares are as follows (in thousands except per share amounts):


	Three Months Ended				Nine Months Ended
	June 30,				June 30,
	2011		2010		2011		2010
Net income (A)	$	26,527	$	19,962	$	85,794	$	69,442

Weighted average outstanding shares of common stock (B)		49,926		49,201		49,849		48,969
Dilutive effect of stock options and restricted stock		459		439		443		572

Weighted average common stock and common stock equivalents (C)		50,385		49,640		50,292		49,541


Basic earnings per share (A/B)	$	0.53	$	0.41	$	1.72	$	1.42

Diluted earnings per share (A/C)	$	0.53	$	0.40	$	1.71	$	1.40


Potential common shares excluded from the calculation of diluted earnings per share		—		5		6		6

Strategic Investments and Fair Value of Financial Instruments

9 Months Ended

Jun. 30, 2011

Strategic Investments and Fair Value of Financial Instruments [Abstract]

Strategic Investments and Fair Value of Financial Instruments

Note E: Strategic Investments and Fair Value of Financial Instruments

At June 30, 2011, we owned 16,644,640 ordinary shares of Albemarle & Bond Holdings, PLC, representing almost 30% of its total outstanding shares. Our total cost for those shares was approximately $27.6 million. Albemarle & Bond is primarily engaged in pawnbroking, retail jewelry sales, check cashing and lending in the United Kingdom. We account for the investment using the equity method. Since Albemarle & Bond’s fiscal year ends three months prior to ours, we report the income from this investment on a three-month lag. Albemarle & Bond files semi-annual financial reports for its fiscal periods ending December 31 and June 30. The income reported for our quarter ended June 30, 2011 represents our percentage interest in the estimated results of Albemarle & Bond’s operations from January 1, 2011 to March 31, 2011.

In its functional currency of British pounds, Albemarle & Bond’s total assets increased 16% from December 31, 2009 to December 31, 2010 and its net income for the six months ended December 31, 2010 decreased 1% including the drag from new stores. Below is summarized financial information for Albemarle & Bond’s most recently reported results after translation to U.S. dollars (using the exchange rate as of December 31 of each year for balance sheet items and average exchange rates for the income statement items for the periods indicated):


	As of December 31,
	2010		2009
	(in thousands)
Current assets	$	121,519	$	104,537
Non-current assets		56,755		53,128

Total assets	$	178,274	$	157,665


Current liabilities	$	25,801	$	21,128
Non-current liabilities		53,497		48,025
Shareholders’ equity		98,976		88,512

Total liabilities and shareholders’ equity	$	178,274	$	157,665


	Six Months Ended December 31
	2010		2009
	(in thousands)
Gross revenues	$	76,424	$	64,572
Gross profit		46,745		43,054
Profit for the year (net income)		12,088		12,752

At June 30, 2011, we owned 124,418,000 shares, or approximately 33% of the total ordinary shares of Cash Converters International Limited, which is a publicly traded company headquartered in Perth, Australia. We acquired the shares between November 2009 and May 2010 for approximately $57.8 million. Cash Converters franchises and operates a worldwide network of approximately 600 specialty financial services and retail stores that provide pawn loans, short-term unsecured loans and other consumer finance products, and buy and sell second-hand goods. Cash Converters has significant store concentrations in Australia and the United Kingdom.

We account for our investment in Cash Converters using the equity method. Since Cash Converters’ fiscal year ends three months prior to ours, we report the income from this investment on a three-month lag. Cash Converters files semi-annual financial reports for its fiscal periods ending December 31 and June 30. The income reported for our quarter ended June 30, 2011 represents our percentage interest in the estimated results of Cash Converters’ operations from January 1, 2011 to March 31, 2011.

In its functional currency of Australian dollars, Cash Converters’ total assets increased 17% from December 31, 2009 to December 31, 2010 and its net income improved 42% for the six months ended December 31, 2010. Below is summarized financial information for Cash Converters’ most recently reported results after translation to U.S. dollars (using the exchange rate as of December 31 of each year for balance sheet items and average exchange rates for the income statement items for the periods indicated):


	As of December 31,
	2010		2009
	(in thousands)
Current assets	$	104,408	$	96,680
Non-current assets		109,336		64,212

Total assets	$	213,744	$	160,892


Current liabilities	$	30,844	$	19,251
Non-current liabilities		11,970		11,010
Shareholders’ equity		170,930		130,631

Total liabilities and shareholders’ equity	$	213,744	$	160,892


	Six Months Ended December 31
	2010		2009
	(in thousands)
Gross revenues	$	83,109	$	51,609
Gross profit		62,037		38,315
Profit for the year (net income)		13,528		8,759

The table below summarizes the recorded value and fair value of each of these strategic investments at the dates indicated. These fair values are considered level one estimates within the fair value hierarchy of FASB ASC 820-10-50, and were calculated as (a) the quoted stock price on each company’s principal market multiplied by (b) the number of shares we owned multiplied by (c) the applicable foreign currency exchange rate at the dates indicated. We included no control premium for owning a large percentage of outstanding shares.


	June 30, 2011		June 30, 2010		September 30, 2010
	(In thousands of U.S. dollars)
Albemarle & Bond:
Recorded value	$	46,457	$	41,613	$	43,127
Fair value		99,180		57,108		75,520

Cash Converters:
Recorded value		68,320		58,160		58,259
Fair value		94,911		58,624		70,005

Included in “Other Assets, net” on our balance sheets are available for sale securities with a fair value of $5.4 million at June 30, 2011, $3.9 million at June 30, 2010 and $4.9 million at September 30, 2010. This is considered to be a level one measurement of fair value as it is based on the ending market price for the securities at that date, as quoted on an active public securities exchange.

In March 2011, we announced plans to increase our ownership of Cash Converters’ outstanding shares from 33% to 53% for a total cost of approximately $70 million. Following the additional investment, we and Cash Converters plan to establish two joint ventures, under which we will roll out a suite of financial services products globally under the Cash Converters brand. The joint ventures are conditional upon the share purchase which, in turn, requires the approval of Cash Converters’ shareholders. We expect to close the transaction in our fiscal quarter ending December 31, 2011, at which point we will begin to consolidate Cash Converters’ results with ours and discontinue use of the equity method for our current investment in Cash Converters.

- Definition

The entire disclosure for equity investment, or group of investments, for which combined disclosure is appropriate, including: (a) the name of each investee and percentage of ownership of common stock, (b) accounting policies for investments in common stock, (c) difference between the amount at which the investment is carried and the amount of underlying equity in net assets and the accounting treatment of the difference, (d) the total fair value of each identified investment for which a market value is available, (e) summarized information as to assets, liabilities, and results of operations of the investees (for investments in unconsolidated subsidiaries, common stock of joint ventures, or other investments using the equity method), and (f) material effects of possible conversions, exercises, or contingent issuances of the investee. Other disclosures include (a) the names of any investee in which the investor owns 20 percent or more of the voting stock and investment is not accounted for using the equity method, and the reasons why not, and (b) the names of any investee in which the investor owns less than 20 percent of the voting stock and the investment is accounted for using the equity method, and the reasons why it is.

+ References + Details

Goodwill and Other Intangible Assets

9 Months Ended

Jun. 30, 2011

Goodwill and Other Intangible Assets [Abstract]

Goodwill and Other Intangible Assets

Note F: Goodwill and Other Intangible Assets

The following table presents the balance of each major class of indefinite-lived intangible asset at the specified dates (in thousands):


	June 30, 2011		June 30, 2010		September 30, 2010
Pawn licenses	$	8,836	$	8,229	$	8,836
Trade name		4,870		4,870		4,870
Goodwill		167,017		115,570		117,305

Total	$	180,723	$	128,669	$	131,011

The following table presents the changes in the carrying value of goodwill, by segment, over the periods presented (in thousands):


	U.S Pawn				EZMONEY
	Operations		Empeño Fácil		Operations		Consolidated
Balance at September 30, 2010	$	110,255	$	7,050	$	—	$	117,305
Acquisitions		49,317		—		—		49,317
Effect of foreign currency translation changes		—		395		—		395

Balance at June 30, 2011	$	159,572	$	7,445	$	—	$	167,017


	U.S Pawn				EZMONEY
	Operations		Empeño Fácil		Operations		Consolidated
Balance at September 30, 2009	$	94,192	$	6,527	$	—	$	100,719
Post-closing purchase price allocation adjustments for prior year acquisitions		193		—		—		193
Acquisitions		14,221		—		—		14,221
Effect of foreign currency translation changes		—		437		—		437

Balance at June 30, 2010	$	108,606	$	6,964	$	—	$	115,570

The following table presents the gross carrying amount and accumulated amortization for each major class of definite-lived intangible asset at the specified dates (in thousands):


	June 30, 2011					June 30, 2010					September 30, 2010
	Carrying		Accumulated			Carrying		Accumulated			Carrying		Accumulated
	Amount		Amortization			Amount		Amortization			Amount		Amortization
License application fees	$	345	$	(345	)	$	345	$	(345	)	$	345	$	(345	)
Real estate finders’ fees		1,147		(465	)		824		(392	)		948		(401	)
Non-compete agreements		3,837		(2,472	)		3,019		(1,639	)		3,081		(1,834	)
Favorable lease		755		(289	)		644		(189	)		644		(219	)
Franchise Rights		1,636		(17	)		—		—			—		—
Other		66		(11	)		53		(4	)		48		(6	)

Total	$	7,786	$	(3,599	)	$	4,885	$	(2,569	)	$	5,066	$	(2,805	)

The amortization of most definite lived intangible assets is recorded as amortization expense. The favorable lease asset and other intangibles are amortized to Operations expense (rent expense) over the related lease terms. The following table presents the amount and classification of amortization recognized as expense in each of the periods presented (in thousands):


	Three Months Ended				Nine Months Ended
	June 30,				June 30,
	2011		2010		2011		2010
Amortization Expense	$	221	$	151	$	654	$	433
Operations Expense		28		32		76		98

Total expense from the amortization of definite-lived intangible assets	$	249	$	183	$	730	$	531

The following table presents our estimate of the amount and classification of amortization expense for definite-lived intangible assets for each of the five succeeding full fiscal years beginning October 1, 2010 (in thousands):


Fiscal Year	Amortization Expense		Operations Expense
2011	$	870	$	103
2012		802		93
2013		319		77
2014		248		63
2015		223		52

As acquisitions and dispositions occur in the future, amortization and operations expense may vary from these estimates.

- Definition

The entire disclosure for the aggregate amount of goodwill and a description of intangible assets, which may include (a) for amortizable intangible assets (also referred to as finite-lived intangible assets), the carrying amount, the amount of any significant residual value, and the weighted-average amortization period, (b) for intangible assets not subject to amortization (also referred to as indefinite-lived intangible assets), the carrying amount, and (c) the amount of research and development assets acquired and written off in the period, including the line item in the income statement in which the amounts written off are aggregated, if not readily apparent from the income statement. Also discloses (a) for amortizable intangibles assets in total and by major class, the gross carrying amount and accumulated amortization, the total amortization expense for the period, and the estimated aggregate amortization expense for each of the five succeeding fiscal years, (b) for intangible assets not subject to amortization the carrying amount in total and by major class, and (c) for goodwill, in total and for each reportable segment, the changes in the carrying amount of goodwill during the period (including the aggregate amount of goodwill acquired, the aggregate amount of impairment losses recognized, and the amount of goodwill included in the gain (loss) on disposal of a reporting unit). If any part of goodwill has not been allocated to a reportable segment, discloses the unallocated amount and the reasons for not allocating. For each impairment loss recognized related to an intangible asset (excluding goodwill), discloses: (a) a description of the impaired intangible asset and the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method for determining fair value, (c) the caption in the income statement or the statement of activities in which the impairment loss is aggregated, and (d) the segment in which the impaired intangible asset is reported. For each goodwill impairment loss recognized, discloses: (a) a description of the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method of determining the fair value of the associated reporting unit, and (c) if a recognized impairment loss is an estimate not finalized and the reasons why the estimate is not final. May also disclose the nature and amount of any significant adjustments made to a previous estimate of an impairment loss.

+ References + Details

Long-term Debt	9 Months Ended
Long-term Debt	Jun. 30, 2011
Long-term Debt [Abstract]
Long-term Debt	Note G: Long-term Debt On May 10, 2011, we entered into a new senior secured credit agreement with a syndicate of five banks, replacing our previous credit agreement. Among other things, the new credit agreement provides for a four year $175 million revolving credit facility that we may, under the terms of the agreement, request to be increased to a total of $225 million. Upon entering the new credit agreement, we repaid and retired our $17.5 million outstanding debt. The new credit facility increases our available credit and provides greater flexibility to make investments and acquisitions both domestically and internationally. Pursuant to the credit agreement, we may choose to pay interest to the lenders for outstanding borrowings at LIBOR plus 200 to 275 basis points or the bank’s base rate plus 100 to 175 basis points, depending on our leverage ratio computed at the end of each calendar quarter. On the unused amount of the credit facility, we pay a commitment fee of 37.5 to 50 basis points depending on our leverage ratio calculated at the end of each quarter. From the closing date to approximately October 31, 2011, we will pay a minimum interest rate of LIBOR plus 250 basis points or the bank’s base rate plus 150 basis points, at our option, and a commitment fee of 50 basis points on the unused portion of the credit line. Terms of the credit agreement require, among other things, that we meet certain financial covenants. We expect the recorded value of our debt to approximate its fair value as it is all variable rate debt and carries no pre-payment penalty. At June 30, 2011, $26.5 million was outstanding under our revolving credit agreement. We also issued $5.0 million of bank letters of credit, leaving $143.5 million available on our revolving credit facility. The outstanding bank letters of credit secure our obligations under letters of credit we issue to unaffiliated lenders as part of our credit service operations. In connection with the credit agreement we expensed $0.1 million of unamortized deferred financing costs related to our former credit agreement and recorded approximately $2.3 million deferred financing costs related to our new facility. These costs are included in other assets, net in our June 30, 2011 balance sheet, and are being amortized to interest expense over their four-year estimated useful life.

Stock Compensation

9 Months Ended

Jun. 30, 2011

Stock Compensation [Abstract]

Stock Compensation

Note H: Stock Compensation

Our net income includes the following compensation costs related to our stock compensation arrangements (in thousands):


	Three Months Ended						Nine Months Ended
	June 30,						June 30,
	2011			2010			2011			2010
Gross compensation cost	$	1,508		$	1,113		$	11,536		$	3,457
Income tax benefits		(499	)		(385	)		(3,952	)		(1,216	)

Stock compensation cost, net of tax benefit	$	1,009		$	728		$	7,584		$	2,241

Included in the compensation cost for the nine months ended June 30, 2011 is $7.3 million for the accelerated vesting of restricted stock upon the retirement of our former Chief Executive Officer on October 31, 2010, and a related $2.5 million income tax benefit. In the three months ended June 30, 2011, stock option exercises resulted in the issuance of 17,000 shares of our Class A Non-voting Common Stock for total proceeds of $0.2 million. In the nine months ended June 30, 2011, stock option exercises resulted in the issuance of 40,800 shares of our Class A Non-voting Common Stock for total proceeds of $0.4 million. All options and restricted stock relate to our Class A Non-voting Common Stock.

- Definition

The entire disclosure for compensation-related costs for equity-based compensation, which may include disclosure of policies, compensation plan details, allocation of equity compensation, incentive distributions, equity-based arrangements to obtain goods and services, deferred compensation arrangements, employee stock ownership plan details and employee stock purchase plan details.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 123R
-Paragraph 64, 65, A240
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Statement of Position (SOP)
-Number 93-6
-Paragraph 53
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 14

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 50
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6406099&loc=d3e25284-112666

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5047-113901

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5444-113901

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 40
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6418621&loc=d3e17540-113929

+ Details

Income Taxes	9 Months Ended
Income Taxes	Jun. 30, 2011
Income Taxes [Abstract]
Income Taxes	Note I: Income Taxes The current quarter’s effective tax rate is 34.7% of pretax income compared to 36.9% for the prior year quarter. For the current year-to-date period, the effective tax rate is 35.2% compared to 36.0% in the prior year-to-date period. The decrease in effective tax rates is primarily due to an increase in both domestic tax credits and the foreign tax credit on overseas earnings, partially offset by the valuation allowance established for operating losses in our Canada operations during their start-up period.

- Definition

The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph h
-Article 4

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 109
-Paragraph 136, 172
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 109
-Paragraph 43, 44, 45, 46, 47, 48, 49
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32718-109319

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 9
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(h))
-URI http://asc.fasb.org/extlink&oid=6881521&loc=d3e23780-122690

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32559-109319

+ Details

Contingencies	9 Months Ended
Contingencies	Jun. 30, 2011
Contingencies [Abstract]
Contingencies	Note J: Contingencies Currently and from time to time, we are defendants in various legal and regulatory actions. While we cannot determine the ultimate outcome of these actions, we believe their resolution will not have a material adverse effect on our financial condition, results of operations or liquidity. However, we cannot give any assurance as to their ultimate outcome.

- Definition

The entire disclosure for commitments and contingencies.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name FASB Interpretation (FIN)
-Number 14
-Paragraph 3
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 5
-Paragraph 9, 10, 11, 12
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.25)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 450
-SubTopic 20
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6952336&loc=d3e14435-108349

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 460
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6398077&loc=d3e12565-110249

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 440
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6394976&loc=d3e25287-109308

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6449706&loc=d3e16207-108621

+ Details

Comprehensive Income	9 Months Ended
Comprehensive Income	Jun. 30, 2011
Comprehensive Income [Abstract]
Comprehensive Income	Note K: Comprehensive Income Comprehensive income includes net income and other revenues, expenses, gains and losses that are excluded from net income but are included as a component of total stockholders’ equity. Comprehensive income for the fiscal quarter and year-to-date period ended June 30, 2011 was $28.7 million and $97.2 million. For the comparable 2010 periods, comprehensive income was $19.4 million and $68.9 million. The difference between comprehensive income and net income results primarily from the effect of foreign currency translation adjustments and the unrealized gain or loss on available for sale securities. At June 30, 2011, the accumulated balance of net foreign currency and unrealized gain activity excluded from net income was $7.9 million, net of applicable tax of $2.9 million. The net $5.0 million is presented as “Accumulated other comprehensive income (loss)” in the balance sheet at June 30, 2011.

- Definition

The entire disclosure for comprehensive income. Includes, but is not limited to, the following: 1) the amount of income tax expense or benefit allocated to each component of other comprehensive income, including reclassification adjustments, 2) the reclassification adjustments for each classification of other comprehensive income and 3) the ending accumulated balances for each component of comprehensive income. Components of comprehensive income include: (1) foreign currency translation adjustments; (2) gains (losses) on foreign currency transactions that are designated as, and are effective as, economic hedges of a net investment in a foreign entity; (3) gains (losses) on intercompany foreign currency transactions that are of a long-term-investment nature, when the entities to the transaction are consolidated, combined, or accounted for by the equity method in the reporting enterprise's financial statements; (4) change in the market value of a futures contract that qualifies as a hedge of an asset reported at fair value; (5) unrealized holding gains (losses) on available-for-sale securities and that resulting from transfers of debt securities from the held-to-maturity category to the available-for-sale category; (6) a net loss recognized as an additional pension liability not yet recognized as net periodic pension cost; and (7) the net gain (loss) and net prior service cost or credit for pension plans and other postretirement benefit plans.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 130
-Paragraph 14-26
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e637-108580

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 14
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e681-108580

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 13
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e653-108580

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.3-04)
-URI http://asc.fasb.org/extlink&oid=6959260&loc=d3e187085-122770

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 16
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e709-108580

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 55
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6920433&loc=d3e998-108581

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e640-108580

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Reclassification Adjustments
-URI http://asc.fasb.org/extlink&oid=6522872

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 17
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e716-108580

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e689-108580

+ Details

Operating Segment Information

9 Months Ended

Jun. 30, 2011

Operating Segment Information [Abstract]

Operating Segment Information

Note L: Operating Segment Information

We manage our business and internal reporting as three reportable segments with operating results reported separately for each segment.

	•		The U.S. Pawn Operations segment offers pawn related activities in our 426 U.S. pawn stores, offers signature loans in 43 pawn stores and six EZMONEY stores and offers auto title loans in 44 pawn stores.

	•		The Empeño Fácil segment offers pawn related activities in 155 Mexico pawn stores.

	•		The EZMONEY Operations segment offers signature loans in 436 U.S. and 60 Canadian financial services stores. The segment also offers auto title loans in 365 of its U.S. stores and buys and sells second-hand goods in three of its Canadian stores.

There are no inter-segment revenues, and the amounts below were determined in accordance with the same accounting principles used in our consolidated financial statements. The following tables present operating segment information (in thousands):


	Three Months Ended June 30,
	US Pawn Operations				Empeño Fácil				EZMONEY Operations
	2011		2010		2011		2010		2011		2010
Revenues:
Merchandise sales	$	58,168	$	49,749	$	6,401	$	3,529	$	5	$	—
Jewelry scrapping sales		46,157		41,423		4,257		2,181		357		169
Pawn service charges		43,846		37,014		4,519		2,410		—		—
Signature loan fees		691		455		—		—		33,504		31,841
Auto title loan fees		352		359		—		—		4,323		4,299
Other		161		105		6		—		405		8

Total revenues		149,375		129,105		15,183		8,120		38,594		36,317

Merchandise cost of goods sold		32,911		27,749		3,767		1,961		13		—
Jewelry scrapping cost of goods sold		28,754		27,328		3,486		1,862		197		85
Signature loan bad debt		325		159		—		—		10,166		8,758
Auto title loan bad debt		69		44		—		—		467		792

Net revenues		87,316		73,825		7,930		4,297		27,751		26,682

Operations expense		44,280		39,148		5,406		2,999		17,067		15,805

Store operating income	$	43,036	$	34,677	$	2,524	$	1,298	$	10,684	$	10,877


	Nine Months Ended June 30,
	US Pawn Operations				Empeño Fácil				EZMONEY Operations
	2011		2010		2011		2010		2011		2010
Revenues:
Merchandise sales	$	196,893	$	174,060	$	17,329	$	10,142	$	5	$	—
Jewelry scrapping sales		137,221		112,660		11,363		4,550		847		233
Pawn service charges		133,355		112,211		11,589		6,316		—		—
Signature loan fees		1,607		1,442		—		—		107,757		101,174
Auto title loan fees		1,092		1,261		—		—		15,196		10,455
Other		420		365		34		—		524		8

Total revenues		470,588		401,999		40,315		21,008		124,329		111,870

Merchandise cost of goods sold		112,592		101,713		10,036		6,342		13		—
Jewelry scrapping cost of goods sold		86,979		71,635		9,201		3,911		437		116
Signature loan bad debt		583		446		—		—		25,392		21,658
Auto title loan bad debt		110		166		—		—		1,710		1,450

Net revenues		270,324		228,039		21,078		10,755		96,777		88,646

Operations expense		131,293		119,259		14,533		7,736		51,476		47,343

Store operating income	$	139,031	$	108,780	$	6,545	$	3,019	$	45,301	$	41,303

The following table reconciles store operating income as shown above, to our consolidated income before income taxes (in thousands):


	Three Months Ended June 30,						Nine Months Ended June 30,
	2011			2010			2011			2010
U.S. Pawn Operations store operating income	$	43,036		$	34,677		$	139,031		$	108,780
Empeño Fácil store operating income		2,524			1,298			6,545			3,019
EZMONEY Operations store operating income		10,684			10,877			45,301			41,303

Consolidated store operating income		56,244			46,852			190,877			153,102
Administrative expenses		14,379			13,576			56,250			39,356
Depreciation and amortization		4,679			3,759			13,324			10,688
(Gain) / loss on sale or disposal of assets		169			734			(2	)		1,301
Interest income		(21	)		(135	)		(35	)		(151	)
Interest expense		586			311			1,186			1,071
Equity in net income of unconsolidated affiliates		(4,099	)		(2,930	)		(12,157	)		(7,519	)
Other		(103	)		(100	)		(160	)		(103	)

Consolidated income before income taxes	$	40,654		$	31,637		$	132,471		$	108,459

The following table presents separately identified segment assets (in thousands):


	U.S Pawn		Empeño		EZMONEY
	Operations		Fácil		Operations		Consolidated
Assets at June 30, 2011:
Pawn loans	$	124,810	$	9,823	$	—	$	134,633
Signature loans, net		1,174		—		10,915		12,089
Auto title loans, net		757		—		1,591		2,348
Service charges and fees receivable, net		23,169		1,524		6,563		31,256
Inventory, net		70,320		8,400		311		79,031
Goodwill		159,572		7,445		—		167,017

Total separately identified recorded segment assets	$	379,802	$	27,192	$	19,380	$	426,374


Brokered signature loans outstanding from unaffiliated lenders	$	168	$	—	$	20,571	$	20,739
Brokered auto title loans outstanding from unaffiliated lenders	$	152	$	—	$	5,408	$	5,560

Assets at June 30, 2010:
Pawn loans	$	107,419	$	5,388	$	—	$	112,807
Signature loans, net		425		—		8,490		8,915
Auto title loans, net		638		—		2,164		2,802
Service charges and fees receivable, net		19,322		813		6,571		26,706
Inventory, net		57,176		3,819		32		61,027
Goodwill		108,606		6,964		—		115,570

Total separately identified recorded segment assets	$	293,586	$	16,984	$	17,257	$	327,827


Brokered signature loans outstanding from unaffiliated lenders	$	228	$	—	$	21,442	$	21,670
Brokered auto title loans outstanding from unaffiliated lenders	$	210	$	—	$	5,557	$	5,767

Assets at September 30, 2010:
Pawn loans	$	113,944	$	7,257	$	—	$	121,201
Signature loans, net		456		—		10,319		10,775
Auto title loans, net		651		—		2,494		3,145
Service charges and fees receivable, net		20,830		1,053		7,177		29,060
Inventory, net		66,542		4,935		25		71,502
Goodwill		110,255		7,050		—		117,305

Total separately identified recorded segment assets	$	312,678	$	20,295	$	20,015	$	352,988


Brokered signature loans outstanding from unaffiliated lenders	$	231	$	—	$	22,709	$	22,940
Brokered auto title loans outstanding from unaffiliated lenders	$	236	$	—	$	6,589	$	6,825

Brokered loans are not recorded as an asset on our balance sheets, as we do not own a participation in the loans made by independent lenders. We monitor the principal balance of these loans, as our credit service fees and bad debt are directly related to their volume due to the letters of credit we issue on these loans. The brokered loan balances shown above are the gross principal balances of the loans outstanding at the specified dates.

- 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/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 131
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 34
-URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8981-108599

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 35
-URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8984-108599

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 42
-URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e9054-108599

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 40
-URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e9031-108599

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 31
-URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8924-108599

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8538-108599

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 30
-URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8906-108599

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 41
-URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e9038-108599

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 29
-URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8864-108599

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 33
-URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8971-108599

Reference 12: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 26
-URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8844-108599

Reference 13: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8380-108599

Reference 14: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8595-108599

Reference 15: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 32
-URI http://asc.fasb.org/extlink&oid=6534315&loc=d3e8933-108599

+ Details

Allowance for Losses and Credit Quality of Financing Receivables

9 Months Ended

Jun. 30, 2011

Allowance for Losses and Credit Quality of Financing Receivables [Abstract]

Allowance for Losses and Credit Quality of Financing Receivables

Note M: Allowance for Losses and Credit Quality of Financing Receivables

We offer a variety of loan products and credit services to customers who do not have cash resources or access to credit to meet their short-term cash needs. Our customers are considered to be in a higher risk pool with regard to creditworthiness when compared to those of typical financial institutions. As a result, our receivables do not have a credit risk profile that can easily be measured by the normal credit quality indicators used by financial markets. We manage the risk through closely monitoring the performance of the portfolio and through our underwriting process. This process includes review of customer information, such as making a credit reporting agency inquiry, evaluating and verifying income sources and levels, verifying employment and verifying a telephone number where customers may be contacted. For auto title loans, we additionally inspect the automobile, title and reference to market values of used automobiles.

As described in Note B, “Significant Accounting Policies,” we consider a signature loan defaulted if it has not been repaid or renewed by the maturity date. If one payment of an installment loan is delinquent, that one payment is considered defaulted. If more than one installment payment is delinquent at any time, the entire installment loan is considered defaulted. Although defaulted loans may be collected later, we charge the loan principal to signature loan bad debt upon default, leaving only active loans in the reported balance. Accrued fees related to defaulted loans reduce fee revenue upon loan default, and increase fee revenue upon collection. Based on historical collection experience, the age of past-due loans and amounts we expect to receive through the sale of repossessed vehicles, we provide an allowance for losses on auto title loans.

The accuracy of our allowance estimates is dependent upon several factors, including our ability to predict future default rates based on historical trends and expected future events. We base our estimates on observable trends and various other assumptions that we believe to be reasonable under the circumstances.

The following table presents changes in the allowance for credit losses as well as the recorded investment in our financing receivables by portfolio segment for the periods presented (in thousands):


	Allowance									Allowance		Financing
	Balance at									Balance at		Receivable
	Beginning									End of		at End of
Description	of Period		Charge-offs			Recoveries		Provision		Period		Period

Allowance for losses on signature loans:
Three-months ended June 30, 2011	$	1,110	$	(4,747	)	$	1,505	$	3,796	$	1,664	$	13,753
Three-months ended June 30, 2010		503		(3,733	)		1,240		2,719		729		9,644

Nine-months ended June 30, 2011	$	750	$	(12,992	)	$	4,575	$	9,331	$	1,664	$	13,753
Nine-months ended June 30, 2010		532		(10,543	)		4,174		6,566		729		9,644

Allowance for losses on auto title loans:
Three-months ended June 30, 2011	$	810	$	(2,800	)	$	2,074	$	489	$	573	$	2,921
Three-months ended June 30, 2010		811		(2,197	)		1,720		902		1,236		4,038

Nine-months ended June 30, 2011	$	1,137	$	(9,682	)	$	7,646	$	1,472	$	573	$	2,921
Nine-months ended June 30, 2010		291		(5,493	)		5,022		1,416		1,236		4,038

The provision presented in the table above includes only principal and excludes items such non-sufficient funds fees, late fees, repossession fees, auction fees and interest. In addition, all credit service expenses and fees related to loans made by our unaffiliated lenders are excluded, as we do not own the loans made in connection with our credit services and they are not recorded as assets on our balance sheet. Expected losses on credit services are accrued and reported in “Accounts payable and other accrued expenses” on our balance sheets.

Auto title loans are our only loans that remain as recorded investments when in delinquent/nonaccrual status. We consider an auto title loan past due if it has not been repaid or renewed by the maturity date. Based on experience, we establish a reserve on all auto title loans. On auto title loans more than 90 days past due, we reserve the percentage we estimate will not be recoverable through auction and reserve 100% of loans for which we have not yet repossessed the underlying collateral. No fees are accrued on any auto title loans more than 90 days past due.

The following table presents an aging analysis of past due financing receivables by portfolio segment for the periods presented (in thousands):


																						Recorded
																						Investment >
	Days Past Due												Total			Current			Total Financing			90 Days &
	1-30			31-60			61-90			>90			Past Due			Receivable			Receivable			Accruing

June 30, 2011
Auto title loans	$	575		$	382		$	245		$	285		$	1,487		$	1,434		$	2,921		$	—
Reserve	$	93		$	94		$	84		$	252		$	523		$	50		$	573		$	—
Reserve %		16	%		25	%		34	%		88	%		35	%		3	%		20	%

June 30, 2010
Auto title loans	$	543		$	422		$	262		$	949		$	2,176		$	1,862		$	4,038		$	—
Reserve	$	109		$	104		$	129		$	778		$	1,120		$	116		$	1,236		$	—
Reserve %		20	%		25	%		49	%		82	%		51	%		6	%		31	%

September 30, 2010
Auto title loans	$	797		$	552		$	432		$	532		$	2,313		$	1,970		$	4,283		$	—
Reserve	$	188		$	229		$	256		$	367		$	1,040		$	97		$	1,137		$	—
Reserve %		24	%		41	%		59	%		69	%		45	%		5	%		27	%

Subsequent Events	9 Months Ended
Subsequent Events	Jun. 30, 2011
Subsequent Events [Abstract]
Subsequent Events	Note N. Subsequent Events In July 2011, we acquired two pawn stores located in the Chicago metropolitan area and six stores in central Mexico for total consideration of approximately $10.5 million. The consideration was comprised of $3.1 million cash and approximately $7.4 million related to the issuance of 208,763 shares of EZCORP Class A Non-voting Common Stock. The stores were acquired from two separate sellers. We preliminarily expect to record approximately $2.8 million of net tangibles assets and $0.2 million of intangible assets attributable to non-compete agreements and goodwill of $7.5 million. We expect to record goodwill of $4.3 million in the U.S. Pawn Operations segment and $3.2 million in the Empeño Fácil segment, all of which is expected to be tax deductible. The factors contributing to the recognition of goodwill were based on several strategic and synergistic benefits we expect to realize from the acquisitions. These benefits include our initial entry into the Mexican states of Hidalgo and Tlaxcala, a greater presence in the Chicago pawn market and the ability to further leverage our expense structure through increased scale.

Significant Accounting Policies (Policies)	9 Months Ended
Significant Accounting Policies (Policies)	Jun. 30, 2011
Significant Accounting Policies [Abstract]
Consolidation	*Consolidation:* The consolidated financial statements include the accounts of EZCORP, Inc. and its wholly owned subsidiaries. All significant inter-company accounts and transactions have been eliminated in consolidation. We account for our investments in Albemarle & Bond Holdings, PLC and Cash Converters International Limited using the equity method.
Revenue Recognition	*Pawn Loan and Sales Revenue Recognition:* We record pawn service charges using the interest method for all pawn loans we believe to be collectible. We base our estimate of collectible loans on several factors, including recent redemption rates, historical trends in redemption rates and the amount of loans due in the following two months. Unexpected variations in any of these factors could change our estimate of collectible loans, affecting our earnings and financial condition. If a pawn loan is not repaid, we value the forfeited collateral (inventory) at the lower of cost (pawn loan principal) or market value of the property. We record sales revenue and the related cost when this inventory is sold, or when we receive the final payment on a layaway sale. Sales tax collected upon the sale of inventory is excluded from the amount recognized as sales and instead recorded as a liability in “Accounts payable and other accrued expenses” on our balance sheets until remitted to the appropriate governmental authorities.
Allowance for losses	*Signature Loan Credit Service Fee Revenue Recognition:* We earn credit service fees when we assist customers in obtaining signature loans from unaffiliated lenders. We initially defer recognition of the fees we expect to collect, net of direct expenses, and recognize that deferred net amount over the life of the related loans. We reserve the percentage of credit service fees we expect not to collect. Accrued fees related to defaulted loans reduce credit service fee revenue upon loan default, and increase credit service fee revenue upon collection. Signature loan credit service fee revenue is included in “Signature loan fees” on our statements of operations.
Cash and Cash Equivalents and Cash Concentrations	*Cash and Cash Equivalents and Cash Concentrations:* Cash and cash equivalents consist primarily of cash on deposit or highly liquid investments or mutual funds with original contractual maturities of three months or less. We hold cash at major financial institutions that often exceed FDIC insured limits. We manage our credit risk associated with cash and cash equivalents and cash concentrations by investing in high quality instruments or funds, concentrating our cash deposits in high quality financial institutions and by periodically evaluating the credit quality of the primary financial institutions issuing investments or holding such deposits. Historically, we have not experienced any losses due to such cash concentrations.
Inventory	*Inventory:* If a pawn loan is not redeemed, we record the forfeited collateral at cost (the principal amount of the pawn loan). We do not record loan loss allowances or charge-offs on the principal portion of pawn loans, as they are fully collateralized. In order to state inventory at the lower of cost (specific identification) or market value, we record an allowance for excess, obsolete or slow-moving inventory based on the type and age of merchandise. At June 30, 2011, the inventory valuation allowance was $8.0 million or 9.2% of gross inventory. We record changes in the inventory valuation allowance as cost of goods sold.
Intangible Assets	*Intangible Assets:* Goodwill and other intangible assets having indefinite lives are not subject to amortization. They are tested for impairment each July 1^st, or more frequently if events or changes in circumstances indicate that they might be impaired, based on cash flows and other market valuation methods. We recognized no impairment of our intangible assets in the current or prior year periods. We amortize intangible assets with definite lives over their estimated useful lives, using the straight-line method.
Property and Equipment	*Property and Equipment:* We record property and equipment at cost. We depreciate these assets on a straight-line basis using estimated useful lives of 30 years for buildings and 2 to 7 years for furniture, equipment, and software development costs. We depreciate leasehold improvements over the shorter of their estimated useful life (typically 10 years) or the reasonably assured lease term at the inception of the lease. Property and equipment is shown net of accumulated depreciation of $125.7 million at June 30, 2011.
Valuation of Tangible Long-Lived Assets	*Valuation of Tangible Long-Lived Assets:* We assess the impairment of tangible long-lived assets whenever events or changes in circumstances indicate that the net recorded amount may not be recoverable. The following factors could trigger an impairment review: significant underperformance relative to historical or projected future cash flows, significant changes in the manner of use of the assets or the strategy for the overall business, significant negative industry trends or legislative changes prohibiting us from offering our loan products. When we determine that the net recorded amount of tangible long-lived assets may not be recoverable, we measure impairment based on the excess of the assets’ net recorded amount over the estimated fair value. No impairment of tangible long-lived assets was recognized in the current or prior year periods.
Fair value of financial instruments	*Fair Value of Financial Instruments:* We have elected not to measure at fair value any eligible items for which fair value measurement is optional. We determine the fair value of financial instruments by reference to various market data and other valuation techniques, as appropriate. Unless otherwise disclosed, the fair values of financial instruments approximate their recorded values, due primarily to their short-term nature. The recorded value of our outstanding debt is assumed to estimate its fair value, as it has no prepayment penalty and a floating interest rate based on market rates.
Foreign Currency Translation	*Foreign Currency Translation:* Our equity investments in Albemarle & Bond and Cash Converters are translated from British pounds and Australian dollars, respectively, into U.S. dollars at the exchange rates as of the investees’ balance sheet date. The related interest in the investees’ net income is translated at the average exchange rates for each six-month period reported by the investees. The functional currency of our wholly-owned Empeño Fácil pawn segment is the Mexican peso and the functional currency of our wholly-owned foreign subsidiary CASHMAX is the Canadian dollar. Empeño Fácil’s and CASHMAX’s balance sheet accounts are translated from their respective functional currencies into U.S. dollars at the exchange rate at the end of each quarter, and their earnings are translated into U.S. dollars at the average exchange rate each quarter. We present resulting translation adjustments from Albemarle & Bond, Cash Converters, Empeño Fácil and CASHMAX as a separate component of stockholders’ equity. Foreign currency transaction gains and losses have not been significant, and are reported as “Other” expense in our statements of operations.
Income Taxes	*Income Taxes:* We account for income taxes using the asset and liability method. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying value of assets and liabilities and their tax basis and for operating loss and tax credit carryforwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which the related temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized when the rate change is enacted.
Stock Compensation	*Stock Compensation:* We account for stock compensation in accordance with the fair value recognition provisions of Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) 718-10-25 (Compensation — Stock Compensation). The fair value of restricted shares is measured as the closing market price of our stock on the date of grant, which is amortized over the vesting period for each grant. We have not granted any stock options since fiscal 2007. When granted, our policy is to estimate the grant-date fair value of options using the Black-Scholes-Merton option-pricing model and amortize that fair value to compensation expense on a ratable basis over the options’ vesting periods.
Recently Issued Accounting Pronouncements	*Recently Issued Accounting Pronouncements:* In June 2009, FASB amended ASC 810-10-65 (Consolidation). Amended ASC 810-10-65 relates to the consolidation of variable interest entities. It eliminates the quantitative approach previously required for determining the primary beneficiary of a variable interest entity and requires ongoing qualitative reassessments of whether an enterprise is the primary beneficiary of a variable interest entity. This guidance also requires additional disclosures about an enterprise’s involvement in variable interest entities. We adopted this amended standard October 1, 2010, resulting in no effect on our financial position, results of operations or cash flows. In July 2010, FASB issued Accounting Standards Update (“ASU”) 2010-20, “Disclosures about the Credit Quality of Financing Receivables and the Allowance for Credit Losses.” This update amends FASB ASC 310 (Receivables) to improve the disclosures that an entity provides about the credit quality of its financing receivables and the related allowance for credit losses. As a result of these amendments, an entity is required to disaggregate by portfolio segment or class certain existing disclosures and provide new disclosures about its financing receivables and related allowance for credit losses. We adopted this amended standard on October 1, 2010, resulting in no effect on our financial position, results of operations or cash flows. The additional required disclosures are included in Note M. In June 2011, FASB issued ASU 2011-05, “Presentation of Comprehensive Income.” This update amends FASB ASC 220 (Comprehensive Income) and eliminates the option to present components of other comprehensive income as part of the statement of changes in stockholders’ equity. The amendments require that all non-owner changes in stockholders’ equity be presented either in a single continuous statement of comprehensive income or in two separate but consecutive statements. We must adopt this amended standard in our fiscal year beginning October 1, 2012. Adoption of ASU 2011-05 will have no effect on our financial position, results of operations or cash flows other than the presentation of our results of operations.

Earnings per Share (Tables)

9 Months Ended

Jun. 30, 2011

Earnings Per Share [Abstract]

Net components of basic and diluted earnings per share


	Three Months Ended				Nine Months Ended
	June 30,				June 30,
	2011		2010		2011		2010
Net income (A)	$	26,527	$	19,962	$	85,794	$	69,442

Weighted average outstanding shares of common stock (B)		49,926		49,201		49,849		48,969
Dilutive effect of stock options and restricted stock		459		439		443		572

Weighted average common stock and common stock equivalents (C)		50,385		49,640		50,292		49,541


Basic earnings per share (A/B)	$	0.53	$	0.41	$	1.72	$	1.42

Diluted earnings per share (A/C)	$	0.53	$	0.40	$	1.71	$	1.40


Potential common shares excluded from the calculation of diluted earnings per share		—		5		6		6

Strategic Investments and Fair Value of Financial Instruments (Tables)

9 Months Ended

Jun. 30, 2011

Strategic Investments and Fair Value of Financial Instruments [Abstract]

Summary of Recorded value and fair value of strategic investments


	June 30, 2011		June 30, 2010		September 30, 2010
	(In thousands of U.S. dollars)
Albemarle & Bond:
Recorded value	$	46,457	$	41,613	$	43,127
Fair value		99,180		57,108		75,520

Cash Converters:
Recorded value		68,320		58,160		58,259
Fair value		94,911		58,624		70,005

Albemarle and Bond Holdings [Member]

Schedule of Equity Method Investments [Line Items]

Summary of financial information


	As of December 31,
	2010		2009
	(in thousands)
Current assets	$	121,519	$	104,537
Non-current assets		56,755		53,128

Total assets	$	178,274	$	157,665


Current liabilities	$	25,801	$	21,128
Non-current liabilities		53,497		48,025
Shareholders’ equity		98,976		88,512

Total liabilities and shareholders’ equity	$	178,274	$	157,665


	Six Months Ended December 31
	2010		2009
	(in thousands)
Gross revenues	$	76,424	$	64,572
Gross profit		46,745		43,054
Profit for the year (net income)		12,088		12,752

Cash Converters International Limited [Member]

Schedule of Equity Method Investments [Line Items]

Summary of financial information


	As of December 31,
	2010		2009
	(in thousands)
Current assets	$	104,408	$	96,680
Non-current assets		109,336		64,212

Total assets	$	213,744	$	160,892


Current liabilities	$	30,844	$	19,251
Non-current liabilities		11,970		11,010
Shareholders’ equity		170,930		130,631

Total liabilities and shareholders’ equity	$	213,744	$	160,892


	Six Months Ended December 31
	2010		2009
	(in thousands)
Gross revenues	$	83,109	$	51,609
Gross profit		62,037		38,315
Profit for the year (net income)		13,528		8,759

Goodwill and Other Intangible Assets (Tables)

9 Months Ended

Jun. 30, 2011

Goodwill and Other Intangible Assets [Abstract]

Summary of major class of indefinite-lived intangible asset


	June 30, 2011		June 30, 2010		September 30, 2010
Pawn licenses	$	8,836	$	8,229	$	8,836
Trade name		4,870		4,870		4,870
Goodwill		167,017		115,570		117,305

Total	$	180,723	$	128,669	$	131,011

Changes in the carrying value of goodwill, by segment


	U.S Pawn				EZMONEY
	Operations		Empeño Fácil		Operations		Consolidated
Balance at September 30, 2010	$	110,255	$	7,050	$	—	$	117,305
Acquisitions		49,317		—		—		49,317
Effect of foreign currency translation changes		—		395		—		395

Balance at June 30, 2011	$	159,572	$	7,445	$	—	$	167,017


	U.S Pawn				EZMONEY
	Operations		Empeño Fácil		Operations		Consolidated
Balance at September 30, 2009	$	94,192	$	6,527	$	—	$	100,719
Post-closing purchase price allocation adjustments for prior year acquisitions		193		—		—		193
Acquisitions		14,221		—		—		14,221
Effect of foreign currency translation changes		—		437		—		437

Balance at June 30, 2010	$	108,606	$	6,964	$	—	$	115,570

Gross carrying amount and accumulated amortization for each major class of definite-lived intangible asset


	June 30, 2011					June 30, 2010					September 30, 2010
	Carrying		Accumulated			Carrying		Accumulated			Carrying		Accumulated
	Amount		Amortization			Amount		Amortization			Amount		Amortization
License application fees	$	345	$	(345	)	$	345	$	(345	)	$	345	$	(345	)
Real estate finders’ fees		1,147		(465	)		824		(392	)		948		(401	)
Non-compete agreements		3,837		(2,472	)		3,019		(1,639	)		3,081		(1,834	)
Favorable lease		755		(289	)		644		(189	)		644		(219	)
Franchise Rights		1,636		(17	)		—		—			—		—
Other		66		(11	)		53		(4	)		48		(6	)

Total	$	7,786	$	(3,599	)	$	4,885	$	(2,569	)	$	5,066	$	(2,805	)

Classification of amortization recognized as expense


	Three Months Ended				Nine Months Ended
	June 30,				June 30,
	2011		2010		2011		2010
Amortization Expense	$	221	$	151	$	654	$	433
Operations Expense		28		32		76		98

Total expense from the amortization of definite-lived intangible assets	$	249	$	183	$	730	$	531

Estimate of the amount and classification of amortization expense for definite-lived intangible assets


Fiscal Year	Amortization Expense		Operations Expense
2011	$	870	$	103
2012		802		93
2013		319		77
2014		248		63
2015		223		52

- Definition

Tabular disclosure of goodwill by reportable segment and in total. Disclosure details may include, but are not limited to, the carrying amount of goodwill, goodwill acquired during the year, goodwill impairment losses recognized, goodwill written-off due to the sale of a business unit, goodwill not yet allocated, and any other changes to goodwill.

+ References + Details

Stock Compensation (Tables)

9 Months Ended

Jun. 30, 2011

Stock Compensation [Abstract]

Compensation costs included in net income


	Three Months Ended						Nine Months Ended
	June 30,						June 30,
	2011			2010			2011			2010
Gross compensation cost	$	1,508		$	1,113		$	11,536		$	3,457
Income tax benefits		(499	)		(385	)		(3,952	)		(1,216	)

Stock compensation cost, net of tax benefit	$	1,009		$	728		$	7,584		$	2,241

- Definition

Tabular disclosure of the allocation of equity-based compensation costs to a given line item on the balance sheet and income statement for the period. This may include the reporting line for the costs and the amount capitalized and expensed.

+ References + Details

Operating Segment Information (Tables)

9 Months Ended

Jun. 30, 2011

Operating Segment Information [Abstract]

Operating segment information


	Three Months Ended June 30,
	US Pawn Operations				Empeño Fácil				EZMONEY Operations
	2011		2010		2011		2010		2011		2010
Revenues:
Merchandise sales	$	58,168	$	49,749	$	6,401	$	3,529	$	5	$	—
Jewelry scrapping sales		46,157		41,423		4,257		2,181		357		169
Pawn service charges		43,846		37,014		4,519		2,410		—		—
Signature loan fees		691		455		—		—		33,504		31,841
Auto title loan fees		352		359		—		—		4,323		4,299
Other		161		105		6		—		405		8

Total revenues		149,375		129,105		15,183		8,120		38,594		36,317

Merchandise cost of goods sold		32,911		27,749		3,767		1,961		13		—
Jewelry scrapping cost of goods sold		28,754		27,328		3,486		1,862		197		85
Signature loan bad debt		325		159		—		—		10,166		8,758
Auto title loan bad debt		69		44		—		—		467		792

Net revenues		87,316		73,825		7,930		4,297		27,751		26,682

Operations expense		44,280		39,148		5,406		2,999		17,067		15,805

Store operating income	$	43,036	$	34,677	$	2,524	$	1,298	$	10,684	$	10,877


	Nine Months Ended June 30,
	US Pawn Operations				Empeño Fácil				EZMONEY Operations
	2011		2010		2011		2010		2011		2010
Revenues:
Merchandise sales	$	196,893	$	174,060	$	17,329	$	10,142	$	5	$	—
Jewelry scrapping sales		137,221		112,660		11,363		4,550		847		233
Pawn service charges		133,355		112,211		11,589		6,316		—		—
Signature loan fees		1,607		1,442		—		—		107,757		101,174
Auto title loan fees		1,092		1,261		—		—		15,196		10,455
Other		420		365		34		—		524		8

Total revenues		470,588		401,999		40,315		21,008		124,329		111,870

Merchandise cost of goods sold		112,592		101,713		10,036		6,342		13		—
Jewelry scrapping cost of goods sold		86,979		71,635		9,201		3,911		437		116
Signature loan bad debt		583		446		—		—		25,392		21,658
Auto title loan bad debt		110		166		—		—		1,710		1,450

Net revenues		270,324		228,039		21,078		10,755		96,777		88,646

Operations expense		131,293		119,259		14,533		7,736		51,476		47,343

Store operating income	$	139,031	$	108,780	$	6,545	$	3,019	$	45,301	$	41,303

Reconciliation of store operating income with consolidated income before income taxes


	Three Months Ended June 30,						Nine Months Ended June 30,
	2011			2010			2011			2010
U.S. Pawn Operations store operating income	$	43,036		$	34,677		$	139,031		$	108,780
Empeño Fácil store operating income		2,524			1,298			6,545			3,019
EZMONEY Operations store operating income		10,684			10,877			45,301			41,303

Consolidated store operating income		56,244			46,852			190,877			153,102
Administrative expenses		14,379			13,576			56,250			39,356
Depreciation and amortization		4,679			3,759			13,324			10,688
(Gain) / loss on sale or disposal of assets		169			734			(2	)		1,301
Interest income		(21	)		(135	)		(35	)		(151	)
Interest expense		586			311			1,186			1,071
Equity in net income of unconsolidated affiliates		(4,099	)		(2,930	)		(12,157	)		(7,519	)
Other		(103	)		(100	)		(160	)		(103	)

Consolidated income before income taxes	$	40,654		$	31,637		$	132,471		$	108,459

Separately identified segment assets


	U.S Pawn		Empeño		EZMONEY
	Operations		Fácil		Operations		Consolidated
Assets at June 30, 2011:
Pawn loans	$	124,810	$	9,823	$	—	$	134,633
Signature loans, net		1,174		—		10,915		12,089
Auto title loans, net		757		—		1,591		2,348
Service charges and fees receivable, net		23,169		1,524		6,563		31,256
Inventory, net		70,320		8,400		311		79,031
Goodwill		159,572		7,445		—		167,017

Total separately identified recorded segment assets	$	379,802	$	27,192	$	19,380	$	426,374


Brokered signature loans outstanding from unaffiliated lenders	$	168	$	—	$	20,571	$	20,739
Brokered auto title loans outstanding from unaffiliated lenders	$	152	$	—	$	5,408	$	5,560

Assets at June 30, 2010:
Pawn loans	$	107,419	$	5,388	$	—	$	112,807
Signature loans, net		425		—		8,490		8,915
Auto title loans, net		638		—		2,164		2,802
Service charges and fees receivable, net		19,322		813		6,571		26,706
Inventory, net		57,176		3,819		32		61,027
Goodwill		108,606		6,964		—		115,570

Total separately identified recorded segment assets	$	293,586	$	16,984	$	17,257	$	327,827


Brokered signature loans outstanding from unaffiliated lenders	$	228	$	—	$	21,442	$	21,670
Brokered auto title loans outstanding from unaffiliated lenders	$	210	$	—	$	5,557	$	5,767

Assets at September 30, 2010:
Pawn loans	$	113,944	$	7,257	$	—	$	121,201
Signature loans, net		456		—		10,319		10,775
Auto title loans, net		651		—		2,494		3,145
Service charges and fees receivable, net		20,830		1,053		7,177		29,060
Inventory, net		66,542		4,935		25		71,502
Goodwill		110,255		7,050		—		117,305

Total separately identified recorded segment assets	$	312,678	$	20,295	$	20,015	$	352,988


Brokered signature loans outstanding from unaffiliated lenders	$	231	$	—	$	22,709	$	22,940
Brokered auto title loans outstanding from unaffiliated lenders	$	236	$	—	$	6,589	$	6,825

- Definition

Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.

+ References + Details

Allowance For Losses And Credit Quality Of Financing Receivables (Tables)

9 Months Ended

Jun. 30, 2011

Allowance for Losses and Credit Quality of Financing Receivables [Abstract]

Allowance for credit losses and recorded investment in financing receivables


	Allowance									Allowance		Financing
	Balance at									Balance at		Receivable
	Beginning									End of		at End of
Description	of Period		Charge-offs			Recoveries		Provision		Period		Period

Allowance for losses on signature loans:
Three-months ended June 30, 2011	$	1,110	$	(4,747	)	$	1,505	$	3,796	$	1,664	$	13,753
Three-months ended June 30, 2010		503		(3,733	)		1,240		2,719		729		9,644

Nine-months ended June 30, 2011	$	750	$	(12,992	)	$	4,575	$	9,331	$	1,664	$	13,753
Nine-months ended June 30, 2010		532		(10,543	)		4,174		6,566		729		9,644

Allowance for losses on auto title loans:
Three-months ended June 30, 2011	$	810	$	(2,800	)	$	2,074	$	489	$	573	$	2,921
Three-months ended June 30, 2010		811		(2,197	)		1,720		902		1,236		4,038

Nine-months ended June 30, 2011	$	1,137	$	(9,682	)	$	7,646	$	1,472	$	573	$	2,921
Nine-months ended June 30, 2010		291		(5,493	)		5,022		1,416		1,236		4,038

Aging Analysis of past due financing receivables


																						Recorded
																						Investment >
	Days Past Due												Total			Current			Total Financing			90 Days &
	1-30			31-60			61-90			>90			Past Due			Receivable			Receivable			Accruing

June 30, 2011
Auto title loans	$	575		$	382		$	245		$	285		$	1,487		$	1,434		$	2,921		$	—
Reserve	$	93		$	94		$	84		$	252		$	523		$	50		$	573		$	—
Reserve %		16	%		25	%		34	%		88	%		35	%		3	%		20	%

June 30, 2010
Auto title loans	$	543		$	422		$	262		$	949		$	2,176		$	1,862		$	4,038		$	—
Reserve	$	109		$	104		$	129		$	778		$	1,120		$	116		$	1,236		$	—
Reserve %		20	%		25	%		49	%		82	%		51	%		6	%		31	%

September 30, 2010
Auto title loans	$	797		$	552		$	432		$	532		$	2,313		$	1,970		$	4,283		$	—
Reserve	$	188		$	229		$	256		$	367		$	1,040		$	97		$	1,137		$	—
Reserve %		24	%		41	%		59	%		69	%		45	%		5	%		27	%

Significant Accounting Policies (Details Textuals) $ in Thousands	9 Months Ended
	Jun. 30, 2011 USD ($)
Significant Accounting Policies (Textuals) [Abstract]
Average maturity dates of short term signature loans	16 days
Maximum period of installment loan for credit service customers	5 months
Inventory valuation allowance	$ 8,000
Inventory valuation allowance as percentage of gross inventory	9.20%
Property and equipment accumulated depreciation	$ 125,700
Impairment of long lived assets recognized	$ 0
Building [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives, Maximum	30
Furniture, equipment, and software development costs [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives, Maximum	7
Estimated useful lives, Minimum	2
Leasehold Improvements [Member]
Property, Plant and Equipment [Line Items]
Estimated useful lives, Maximum	10
Signature Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowances for Expected Losses	$ 1,500
Expected maximum exposure for losses on letters of credit	23,700
Auto Title Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Allowances for Expected Losses	200
Expected maximum exposure for losses on letters of credit	$ 5,900

Acquisitions (Details)	3 Months Ended
Acquisitions (Details)	Jun. 30, 2011 USD ($)	Mar. 31, 2011 USD ($)	Dec. 31, 2010 USD ($)	Sep. 30, 2010 USD ($)	Jul. 31, 2011 USD ($)	Apr. 08, 2011 USD ($)
Business Acquisition [Line Items]
Acquisition through asset purchases in cash		$ 17,800,000	$ 13,700,000	$ 21,800,000	$ 3,100,000
Intangible assets attributable to non-compete agreements and a pawn license acquired	$ 600,000	100,000	100,000	1,000,000	200,000
Net tangible assets acquired	7,500,000	2,800,000	2,800,000	4,900,000	2,800,000	$ 100,000
Non-deductible tax amount of goodwill	12,700,000	4,900,000	4,700,000
Goodwill	23,500,000	14,900,000	10,800,000	15,900,000	7,500,000
Fully tax deductible goodwill	$ 10,800,000	$ 10,000,000	$ 6,100,000	$ 15,900,000
Business Acquisition Cost of acquired entity					$ 10,500,000	1,700,000
Acquisitions (Textuals) [Abstract]
Stores acquired through assets purchases	8	4	3
Number of sellers from whom stores are acquired	3	2	4	5
Intangible assets related to acquisition of trademark and licensing						$ 1,600,000
Stores operated by franchisees						13
Chicago [Member]
Business Acquisition [Line Items]
Number of pawn stores acquired through capital stock purchase			1
Number of pawn stores acquired through asset purchase			2	5
Central and South Florida [Member]
Business Acquisition [Line Items]
Number of pawn stores acquired through capital stock purchase		1
Number of pawn stores acquired through asset purchase		4		8
Corpus Christi, Texas [Member]
Business Acquisition [Line Items]
Number of pawn stores acquired through asset purchase				2
Las Vegas, Nevada [Member]
Business Acquisition [Line Items]
Number of pawn stores acquired through asset purchase				1
Marietta, Georgia [Member]
Business Acquisition [Line Items]
Number of pawn stores acquired through asset purchase			1
Florida Iowa Wisconsin Utah Illinois [Member]
Business Acquisition [Line Items]
Number of pawn stores acquired	23
Number of pawn stores acquired through capital stock purchase	15
Business Acquisition Cost of acquired entity	$ 31,600,000

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Net Components of Basic and Diluted Earnings per Share
Net income (A)	$ 26,527	$ 19,962	$ 85,794	$ 69,442
Weighted average outstanding shares of common stock (B)	49,926	49,201	49,849	48,969
Dilutive effect of stock options, warrants, and restricted stock	459	439	443	572
Weighted average common stock and common stock equivalents (C)	50,385	49,640	50,292	49,541
Basic earnings per share (A/B)	$ 0.53	$ 0.41	$ 1.72	$ 1.42
Diluted earnings per share (A/C)	$ 0.53	$ 0.40	$ 1.71	$ 1.40
Potential common shares excluded from the calculation of diluted earnings per share	0	5	6	6

- Definition

Securities (including those issuable pursuant to contingent stock agreements) that could potentially dilute basic earnings per share (EPS) or earnings per unit (EPU) in the future that were not included in the computation of diluted EPS or EPU because to do so would increase EPS or EPU amounts or decrease loss per share or unit amounts for the period presented.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 13, 14
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 171
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 40
-Subparagraph c
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Diluted Earnings Per Share
-URI http://asc.fasb.org/extlink&oid=6510752

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Contingent Stock Agreement
-URI http://asc.fasb.org/extlink&oid=6508534

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Antidilution
-URI http://asc.fasb.org/extlink&oid=6505113

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Emerging Issues Task Force (EITF)
-Number 07-4
-Paragraph 4
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

- Definition

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

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 36, 37, 38
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Article 5
-Section 03
-Paragraph 20

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 7
-Paragraph 18

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 21
-Article 9

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.21)
-URI http://asc.fasb.org/extlink&oid=6880815&loc=d3e20235-122688

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6920599&loc=d3e1252-109256

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 55
-Paragraph 52
-URI http://asc.fasb.org/extlink&oid=6945512&loc=d3e4984-109258

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.23)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.19)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Emerging Issues Task Force (EITF)
-Number 07-4
-Paragraph 4
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

- Definition

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

+ References + Details

- Definition

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

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Emerging Issues Task Force (EITF)
-Number 87-21
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph 38
-Subparagraph a
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 130
-Paragraph 10, 15
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 95
-Paragraph 28, 29, 30
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Article 5
-Section 03
-Paragraph 19

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 20
-Article 9

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-URI http://asc.fasb.org/extlink&oid=6943989&loc=d3e3602-108585

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Net Income
-URI http://asc.fasb.org/extlink&oid=6518256

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Other Comprehensive Income
-URI http://asc.fasb.org/extlink&oid=6519514

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.18)
-URI http://asc.fasb.org/extlink&oid=6880815&loc=d3e20235-122688

Reference 12: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.19)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 13: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e565-108580

Reference 14: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.22)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 15: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph 38
-Subparagraph d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 16: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph A7
-Appendix A

+ Details

- Definition

The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.

+ References + Details

- Definition

Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 171
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 40
-Subparagraph a
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 8
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=6920599&loc=d3e1448-109256

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Weighted-Average Number of Common Shares Outstanding
-URI http://asc.fasb.org/extlink&oid=6528421

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Emerging Issues Task Force (EITF)
-Number 07-4
-Paragraph 4
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

Strategic Investments and Fair Value of Financial Instruments (Details) - Albemarle and Bond Holdings [Member] - USD ($) $ in Thousands	6 Months Ended
	Dec. 31, 2010	Dec. 31, 2009
Summary of financial information for Albemarle & Bond
Current assets	$ 121,519	$ 104,537
Non-current assets	56,755	53,128
Total assets	178,274	157,665
Current liabilities	25,801	21,128
Non-current liabilities	53,497	48,025
Shareholders' equity	98,976	88,512
Total liabilities and shareholders' equity	178,274	157,665
Turnover (gross revenues)	76,424	64,572
Gross profit	46,745	43,054
Profit for the year (net income)	$ 12,088	$ 12,752

Strategic Investments and Fair Value of Financial Instruments (Details 1) - Cash Converters International Limited [Member] - USD ($) $ in Thousands	6 Months Ended
	Dec. 31, 2010	Dec. 31, 2009
Summary of financial information for Cash Converters International Limited
Current assets	$ 104,408	$ 96,680
Non-current assets	109,336	64,212
Total assets	213,744	160,892
Current liabilities	30,844	19,251
Non-current liabilities	11,970	11,010
Shareholders' equity	170,930	130,631
Total liabilities and shareholders' equity	213,744	160,892
Turnover (gross revenues)	83,109	51,609
Gross profit	62,037	38,315
Profit for the year (net income)	$ 13,528	$ 8,759

Strategic Investments and Fair Value of Financial Instruments (Details 2) - USD ($) $ in Thousands	Jun. 30, 2011	Sep. 30, 2010	Jun. 30, 2010
Summary of Recorded value and fair value of strategic investments
Recorded value	$ 114,777	$ 101,386	$ 99,773
Albemarle and Bond Holdings [Member]
Summary of Recorded value and fair value of strategic investments
Recorded value	46,457	43,127	41,613
Fair value	99,180	75,520	57,108
Cash Converters International Limited [Member]
Summary of Recorded value and fair value of strategic investments
Recorded value	68,320	58,259	58,160
Fair value	$ 94,911	$ 70,005	$ 58,624

Strategic Investments and Fair Value of Financial Instruments (Details Textuals) $ in Millions	6 Months Ended	9 Months Ended	12 Months Ended
	Dec. 31, 2010	Jun. 30, 2011 USD ($) shares	Dec. 31, 2010	Sep. 30, 2010 USD ($)	Jun. 30, 2010 USD ($)
Strategic Investments and Fair Value of Financial Instruments (Textuals) [Abstract]
Available for sale securities		$ 5.4		$ 4.9	$ 3.9
Percentage of outstanding shares, Maximum		53.00%
Costs of increase ownership		$ 70.0
Albemarle and Bond Holdings [Member]
Strategic Investments and Fair Value of Financial Instruments (Textuals) [Abstract]
Number of common shares owned \| shares		16,644,640
Percentage of common Shares Owned		30.00%
Total cost of common shares owned		$ 27.6
Percentage Increase in total assets			16.00%
Percentage decrease in net income	1.00%
Cash Converters International Limited [Member]
Strategic Investments and Fair Value of Financial Instruments (Textuals) [Abstract]
Number of common shares owned \| shares		124,418,000
Percentage of common Shares Owned		33.00%
Total cost of common shares owned		$ 57.8
Number of owned and franchise stores		600
Percentage Increase in total assets			17.00%
Percentage increase in net income	42.00%

Goodwill and Other Intangible Assets (Details) - USD ($) $ in Thousands	Jun. 30, 2011	Sep. 30, 2010	Jun. 30, 2010	Sep. 30, 2009
Summary of major class of indefinite-lived intangible asset
Pawn licenses	$ 8,836	$ 8,836	$ 8,229
Trade name	4,870	4,870	4,870
Goodwill	167,017	117,305	115,570	$ 100,719
Total	$ 180,723	$ 131,011	$ 128,669

- Definition

Carrying amount as of the balance sheet date, which is the cumulative amount paid and (if applicable) the fair value of any noncontrolling interest in the acquiree, adjusted for any amortization recognized prior to the adoption of any changes in generally accepted accounting principles (as applicable) and for any impairment charges, in excess of the fair value of net assets acquired in one or more business combination transactions.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 142
-Paragraph 45
-Subparagraph e
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 142
-Paragraph 43
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 141R
-Paragraph 68
-Subparagraph l
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 20
-Section 45
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6388280&loc=d3e13770-109266

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6905597&loc=d3e13816-109267

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 141R
-Paragraph 72
-Subparagraph d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 142
-Paragraph 45
-Subparagraph e
-Clause 1
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 141R
-Paragraph 34
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

Goodwill and Other Intangible Assets (Details 1) - USD ($) $ in Thousands	9 Months Ended
	Jun. 30, 2011	Jun. 30, 2010
Changes in the carrying value of goodwill, by segment
Beginning Balance	$ 117,305	$ 100,719
Acquisitions	49,317	14,221
Post-closing purchase price allocation adjustments for prior year acquisitions		193
Effect of foreign currency translation changes	395	437
Ending Balance	167,017	115,570
U.S. Pawn Operations [Member]
Changes in the carrying value of goodwill, by segment
Beginning Balance	110,255	94,192
Acquisitions	49,317	14,221
Post-closing purchase price allocation adjustments for prior year acquisitions		193
Ending Balance	159,572	108,606
Empeno Facil [Member]
Changes in the carrying value of goodwill, by segment
Beginning Balance	7,050	6,527
Effect of foreign currency translation changes	395	437
Ending Balance	7,445	6,964
EZMONEY Operations [Member]
Changes in the carrying value of goodwill, by segment
Beginning Balance	0	0
Ending Balance	$ 0	$ 0

The increase (decrease) in the recorded value of goodwill for foreign currency translation adjustments and purchase accounting adjustments needed to revise the carrying amount of goodwill to fair value.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 142
-Subparagraph e
-Paragraph 45
-Clause 6
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 20
-Section 50
-Paragraph 1
-Subparagraph (f)
-URI http://asc.fasb.org/extlink&oid=6905597&loc=d3e13816-109267

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 141R
-Paragraph 72
-Subparagraph d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 142
-Subparagraph e
-Paragraph 45
-Clause 3
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 142
-Subparagraph e
-Paragraph 45
-Clause 7
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

Goodwill And Other Intangible Assets (Details 2) - USD ($) $ in Thousands	Jun. 30, 2011	Sep. 30, 2010	Jun. 30, 2010
Gross carrying amount and accumulated amortization for each major class of definite-lived intangible asset
Carrying amount	$ 7,786	$ 5,066	$ 4,885
Accumulated amortization	(3,599)	(2,805)	(2,569)
License Application Fees [Member]
Gross carrying amount and accumulated amortization for each major class of definite-lived intangible asset
Carrying amount	345	345	345
Accumulated amortization	(345)	(345)	(345)
Real Estate Finders' Fees [Member]
Gross carrying amount and accumulated amortization for each major class of definite-lived intangible asset
Carrying amount	1,147	948	824
Accumulated amortization	(465)	(401)	(392)
Non-compete Agreements [Member]
Gross carrying amount and accumulated amortization for each major class of definite-lived intangible asset
Carrying amount	3,837	3,081	3,019
Accumulated amortization	(2,472)	(1,834)	(1,639)
Favorable Lease [Member]
Gross carrying amount and accumulated amortization for each major class of definite-lived intangible asset
Carrying amount	755	644	644
Accumulated amortization	(289)	(219)	(189)
Franchise Rights [Member]
Gross carrying amount and accumulated amortization for each major class of definite-lived intangible asset
Carrying amount	1,636
Accumulated amortization	(17)
Other [Member]
Gross carrying amount and accumulated amortization for each major class of definite-lived intangible asset
Carrying amount	66	48	53
Accumulated amortization	$ (11)	$ (6)	$ (4)

Goodwill And Other Intangible Assets (Details 3) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Classification of amortization recognized as expense
Amortization expense	$ 221	$ 151	$ 654	$ 433
Operations expense	28	32	76	98
Total expense from the amortization of definite-lived intangible assets	$ 249	$ 183	$ 730	$ 531

Goodwill and Other Intangible Assets (Details 4) $ in Thousands	9 Months Ended
	Jun. 30, 2011 USD ($)
Estimate of the amount and classification of amortization expense for definite-lived intangible assets
Amortization Expense, 2011	$ 870
Amortization Expense, 2012	802
Amortization Expense, 2013	319
Amortization Expense, 2014	248
Amortization Expense, 2015	223
Operations Expense, 2011	103
Operations Expense, 2012	93
Operations Expense, 2013	77
Operations Expense, 2014	63
Operations Expense, 2015	$ 52

Long-Term Debt (Details Textuals) $ in Millions	6 Months Ended	9 Months Ended
Long-Term Debt (Details Textuals) $ in Millions	Oct. 31, 2011	Jun. 30, 2011 USD ($)
Long-Term Debt (Textuals) [Abstract]
Number of banks involved in line of credit facility		5
Revolving credit facility		$ 175.0
Line of credit potential maximum		225.0
Term loan outstanding		$ 17.5
Interest rate description of credit agreement, minimum	interest rate of LIBOR plus 250 basis points or the bank’s base rate plus 150 basis points
Interest rate description		Eurodollar rate plus 200 to 275 basis points or the bank’s base rate plus 100 to 175 basis points
Commitment fee description		commitment fee of 37.5 to 50 basis points depending on our leverage ratio calculated at the end of each quarter.
Deferred financing cost written off		$ 0.1
Deferred financing costs included in other assets		$ 2.3
Deferred financing cost amortizable period		4 years
Credit agreement initiation date		05-10-2011
Credit agreement expiration date		05-10-2015
Debt related commitment fee	Commitment fees of 50 base points

Stock Compensation (Details) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Compensation costs included in net income
Gross compensation cost	$ 1,508	$ 1,113	$ 11,536	$ 3,457
Income tax benefits	(499)	(385)	(3,952)	(1,216)
Stock compensation cost, net of tax benefit	$ 1,009	$ 728	$ 7,584	2,241
Stock Compensation (Textuals) [Abstract]
Issuance of Class A Non-voting Common Stock	17,000		40,800
Proceeds from exercise of stock options	$ 200		$ 397	$ 1,536
Chief Executive Officer [Member]
Deferred Compensation Arrangement with Individual, Share-based Payments [Line Items]
Accelerated vesting of restricted stock			7,300
Income tax benefit			$ 2,500

Income Taxes (Details)	3 Months Ended		9 Months Ended
Income Taxes (Details)	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Income Taxes (Textuals) [Abstract]
Effective income tax rate	34.70%	36.90%	35.20%	36.00%

Comprehensive Income (Details Textuals) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010	Sep. 30, 2010
Comprehensive Income (Textuals) [Abstract]
Comprehensive income	$ 28,700	$ 19,400	$ 97,200	$ 68,900
Accumulated other comprehensive income loss before taxes	7,900		7,900
Accumulated other comprehensive income tax	2,900		2,900
Accumulated other comprehensive income (loss)	$ 5,017	$ (5,164)	$ 5,017	$ (5,164)	$ (6,375)

- Definition

Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Principles Board Opinion (APB)
-Number 12
-Paragraph 10
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 130
-Paragraph 14, 17, 26
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 31
-Article 5

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 3

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e637-108580

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 14
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e681-108580

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 13
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e653-108580

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name FASB Staff Position (FSP)
-Number FAS115-1/124-1
-Paragraph 15D
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

- Definition

The change in equity [net assets] of a business enterprise during a period from transactions and other events and circumstances from non-owner sources which are attributable to the reporting entity. It includes all changes in equity during a period except those resulting from investments by owners and distributions to owners, but excludes any and all transactions which are directly or indirectly attributable to that ownership interest in subsidiary equity which is not attributable to the parent.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph 8, 9, 10, 11, 12, 13, 14
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph 30
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph A5
-Appendix A

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e557-108580

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Net Income
-URI http://asc.fasb.org/extlink&oid=6518256

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Other Comprehensive Income
-URI http://asc.fasb.org/extlink&oid=6519514

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6920043&loc=d3e540-108580

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Comprehensive Income
-URI http://asc.fasb.org/extlink&oid=6508144

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph 38
-Subparagraph c(3)
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

Operating Segment Information (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010	Sep. 30, 2010	Sep. 30, 2009
Revenues:
Pawn service charges	$ 48,365	$ 39,424	$ 144,944	$ 118,527
Signature loan fees	34,195	32,296	109,364	102,616
Auto title loan fees	4,675	4,658	16,288	11,716
Other	572	113	978	373
Total revenues	203,152	173,542	635,232	534,877
Signature loan bad debt	10,491	8,917	25,975	22,104
Auto title loan bad debt	536	836	1,820	1,616
Net revenues	122,997	104,804	388,179	327,440
Operations	66,753	57,952	197,302	174,338
Store operating income	56,244	46,852	190,877	153,102
Reconciliation of store operating income with consolidated income before income taxes
Store operating income	56,244	46,852	190,877	153,102
Administrative expenses	14,379	13,576	56,250	39,356
Depreciation and amortization	4,679	3,759	13,324	10,688
(Gain) loss on sale / disposal of assets	169	734	(2)	1,301
Interest income	(21)	(135)	(35)	(151)
Interest expense	586	311	1,186	1,071
Income from investments in unconsolidated affiliates	(4,099)	(2,930)	(12,157)	(7,519)
Other	(103)	(100)	(160)	(103)
Consolidated income before income taxes	40,654	31,637	132,471	108,459
Assets:
Pawn loans	134,633	112,807	134,633	112,807	$ 121,201
Signature loans, net	12,089	8,915	12,089	8,915	10,775
Auto title loans, net	2,348	2,802	2,348	2,802	3,145
Service charges and fees receivable, net	31,256	26,706	31,256	26,706	29,060
Inventory, net	79,031	61,027	79,031	61,027	71,502
Goodwill	167,017	115,570	167,017	115,570	117,305	$ 100,719
Total separately identified recorded segment assets	426,374	327,827	426,374	327,827	352,988
Brokered signature loans outstanding from unaffiliated lenders	20,739	21,670	20,739	21,670	22,940
Brokered auto title loans outstanding from unaffiliated lenders	5,560	5,767	5,560	5,767	6,825
U.S. Pawn Operations [Member]
Revenues:
Merchandise sales	58,168	49,749	196,893	174,060
Jewelry Scrapping sales	46,157	41,423	137,221	112,660
Pawn service charges	43,846	37,014	133,355	112,211
Signature loan fees	691	455	1,607	1,442
Auto title loan fees	352	359	1,092	1,261
Other	161	105	420	365
Total revenues	149,375	129,105	470,588	401,999
Merchandise cost of goods sold	32,911	27,749	112,592	101,713
Jewelry Scrapping cost of goods sold	28,754	27,328	86,979	71,635
Signature loan bad debt	325	159	583	446
Auto title loan bad debt	69	44	110	166
Net revenues	87,316	73,825	270,324	228,039
Operations	44,280	39,148	131,293	119,259
Store operating income	43,036	34,677	139,031	108,780
Reconciliation of store operating income with consolidated income before income taxes
Store operating income	43,036	34,677	139,031	108,780
Assets:
Pawn loans	124,810	107,419	124,810	107,419	113,944
Signature loans, net	1,174	425	1,174	425	456
Auto title loans, net	757	638	757	638	651
Service charges and fees receivable, net	23,169	19,322	23,169	19,322	20,830
Inventory, net	70,320	57,176	70,320	57,176	66,542
Goodwill	159,572	108,606	159,572	108,606	110,255	94,192
Total separately identified recorded segment assets	379,802	293,586	379,802	293,586	312,678
Brokered signature loans outstanding from unaffiliated lenders	168	228	168	228	231
Brokered auto title loans outstanding from unaffiliated lenders	152	210	152	210	236
Empeno Facil [Member]
Revenues:
Merchandise sales	6,401	3,529	17,329	10,142
Jewelry Scrapping sales	4,257	2,181	11,363	4,550
Pawn service charges	4,519	2,410	11,589	6,316
Other	6		34
Total revenues	15,183	8,120	40,315	21,008
Merchandise cost of goods sold	3,767	1,961	10,036	6,342
Jewelry Scrapping cost of goods sold	3,486	1,862	9,201	3,911
Net revenues	7,930	4,297	21,078	10,755
Operations	5,406	2,999	14,533	7,736
Store operating income	2,524	1,298	6,545	3,019
Reconciliation of store operating income with consolidated income before income taxes
Store operating income	2,524	1,298	6,545	3,019
Assets:
Pawn loans	9,823	5,388	9,823	5,388	7,257
Signature loans, net	0	0	0	0	0
Auto title loans, net	0	0	0	0	0
Service charges and fees receivable, net	1,524	813	1,524	813	1,053
Inventory, net	8,400	3,819	8,400	3,819	4,935
Goodwill	7,445	6,964	7,445	6,964	7,050	6,527
Total separately identified recorded segment assets	27,192	16,984	27,192	16,984	20,295
Brokered signature loans outstanding from unaffiliated lenders	0	0	0	0
Brokered auto title loans outstanding from unaffiliated lenders	0	0	0	0
EZMONEY Operations [Member]
Revenues:
Merchandise sales	5		5
Jewelry Scrapping sales	357	169	847	233
Signature loan fees	33,504	31,841	107,757	101,174
Auto title loan fees	4,323	4,299	15,196	10,455
Other	405	8	524	8
Total revenues	38,594	36,317	124,329	111,870
Merchandise cost of goods sold	13		13
Jewelry Scrapping cost of goods sold	197	85	437	116
Signature loan bad debt	10,166	8,758	25,392	21,658
Auto title loan bad debt	467	792	1,710	1,450
Net revenues	27,751	26,682	96,777	88,646
Operations	17,067	15,805	51,476	47,343
Store operating income	10,684	10,877	45,301	41,303
Reconciliation of store operating income with consolidated income before income taxes
Store operating income	10,684	10,877	45,301	41,303
Assets:
Pawn loans	0	0	0	0	0
Signature loans, net	10,915	8,490	10,915	8,490	10,319
Auto title loans, net	1,591	2,164	1,591	2,164	2,494
Service charges and fees receivable, net	6,563	6,571	6,563	6,571	7,177
Inventory, net	311	32	311	32	25
Goodwill	0	0	0	0	0	$ 0
Total separately identified recorded segment assets	19,380	17,257	19,380	17,257	20,015
Brokered signature loans outstanding from unaffiliated lenders	20,571	21,442	20,571	21,442	22,709
Brokered auto title loans outstanding from unaffiliated lenders	$ 5,408	$ 5,557	$ 5,408	$ 5,557	$ 6,589

Operating Segment Information (Details Textuals) $ in Millions	9 Months Ended
	Jun. 30, 2011 USD ($)
Operating Segment Information (Textuals) [Abstract]
Number of reportable segments	3
Intersegment Revenue	$ 0
U.S. Pawn Operations [Member]
Operating Segment Information (Textuals) [Abstract]
Number of financial services stores	6
Number of stores offering pawn related activities	426
Number of stores offering signature loans	43
Number of stores offering auto title loans	44
Empeno Facil [Member]
Operating Segment Information (Textuals) [Abstract]
Number of stores offering pawn related activities	155
U.S. EZMONEY [Member]
Operating Segment Information (Textuals) [Abstract]
Number of financial services stores	436
Number of stores offering auto title loans	365
Canadian CASHMAX stores [Member]
Operating Segment Information (Textuals) [Abstract]
Number of financial services stores	60
Cash Converters stores [Member]
Operating Segment Information (Textuals) [Abstract]
Number of buy/sell stores.	3

Allowance for Losses and Credit Quality of Financing Receivables (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2011	Jun. 30, 2010	Jun. 30, 2011	Jun. 30, 2010
Signature Loans [Member]
Allowance for credit losses and recorded investment in financing receivables
Allowance Balance at Beginning of Period	$ 1,110	$ 503	$ 750	$ 532
Charge-offs	(4,747)	(3,733)	(12,992)	(10,543)
Recoveries	1,505	1,240	4,575	4,174
Provisions	3,796	2,719	9,331	6,566
Allowance Balance at End of Period	1,664	729	1,664	729
Financing Receivable at End of Period	13,753	9,644	13,753	9,644
Auto Title Loans [Member]
Allowance for credit losses and recorded investment in financing receivables
Allowance Balance at Beginning of Period	810	811	1,137	291
Charge-offs	(2,800)	(2,197)	(9,682)	(5,493)
Recoveries	2,074	1,720	7,646	5,022
Provisions	489	902	1,472	1,416
Allowance Balance at End of Period	573	1,236	573	1,236
Financing Receivable at End of Period	$ 2,921	$ 4,038	$ 2,921	$ 4,038

Allowance for Losses and Credit Quality of Financing Receivables (Details 1) - Auto Title Loans [Member] - USD ($) $ in Thousands	Jun. 30, 2011	Sep. 30, 2010	Jun. 30, 2010
Aging analysis of past due financing receivables
Investment 1 to 30 days past due	$ 575	$ 797	$ 543
Investment 31 to 60 days past due	382	552	422
Investment 61 to 90 days past due	245	432	262
Investment greater than 90 Days past due	285	532	949
Investment past due	1,487	2,313	2,176
Current receivable	1,434	1,970	1,862
Total Financing Receivable	2,921	4,283	4,038
Investment 90 days past due and still accruing	0	0	0
Allowance for credit losses 1 to 30 days past due	93	188	109
Allowance for credit losses 31 to 60 days past due	94	229	104
Allowance for credit losses 61 to 90 days past due	84	256	129
Allowance for credit losses greater than 90 days past due	252	367	778
Allowance for credit losses past due	523	1,040	1,120
Allowance for credit losses current	50	97	116
Total Financing Receivable	573	1,137	1,236
Allowance for credit losses 90 days past due and still accruing	$ 0	$ 0	$ 0
Allowance for credit losses 1 to 30 days past due percentage	16.00%	24.00%	20.00%
Allowance for credit losses 31 to 60 days past due percentage	25.00%	41.00%	25.00%
Allowance for credit losses 61 to 90 days past due percentage	34.00%	59.00%	49.00%
Allowance for credit losses greater than 90 days past due percentage	88.00%	69.00%	82.00%
Allowance for credit losses past due percentage	35.00%	45.00%	51.00%
Allowance for credit losses current percentage	3.00%	5.00%	6.00%
Allowance for credit losses percentage	20.00%	27.00%	31.00%
Allowance for credit losses 90 days past due and still accruing percentage	0.00%	0.00%	0.00%

Allowance for Losses and Credit Quality of Financing Receivables (Details Textuals)	9 Months Ended
	Jun. 30, 2011
Allowance for Losses and Credit Quality of Financing Receivables (Textuals) [Abstract]
Reserve percentage of loan over 90 days past due	100.00%
Auto title loan past due days	more than 90 days

Subsequent Events (Details) $ in Millions	1 Months Ended
Subsequent Events (Details) $ in Millions	Jul. 31, 2011 USD ($) shares	Jun. 30, 2011 USD ($)	Apr. 08, 2011 USD ($)	Mar. 31, 2011 USD ($)	Dec. 31, 2010 USD ($)	Sep. 30, 2010 USD ($)
Subsequent Event [Line Items]
Fully tax deductible goodwill		$ 10.8		$ 10.0	$ 6.1	$ 15.9
Subsequent Events (Textuals) [Abstract]
Acquisition through asset purchases and capital stock	$ 10.5		$ 1.7
Acquisition through issuance of capital stock	$ 7.4
Number of shares of equity interests issued to acquire entity \| shares	208,763
Acquisition through asset purchases in cash	$ 3.1			17.8	13.7	21.8
Net tangible assets acquired	2.8	7.5	$ 0.1	2.8	2.8	4.9
Intangible assets attributable to non-compete agreements and a pawn license acquired	0.2	0.6		0.1	0.1	1.0
Goodwill	$ 7.5	$ 23.5		$ 14.9	$ 10.8	$ 15.9
Chicago [Member]
Subsequent Event [Line Items]
Number of pawn stores acquired	2
Mexico [Member]
Subsequent Event [Line Items]
Number of pawn stores acquired	6
U.S. Pawn Operations [Member]
Subsequent Event [Line Items]
Fully tax deductible goodwill	$ 4.3
Empeno Facil [Member]
Subsequent Event [Line Items]
Fully tax deductible goodwill	$ 3.2