0000876523-20-000059 | 10-K | XBRL Viewer

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Cover Page - USD ($) $ in Millions	12 Months Ended
Cover Page - USD ($) $ in Millions	Sep. 30, 2020	Nov. 30, 2020	Mar. 31, 2020
Document Information [Line Items]
Document Type	10-K
Document Annual Report	true
Document Period End Date	Sep. 30, 2020
Document Transition Report	false
Entity File Number	0-19424
Entity Registrant Name	EZCORP, INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	74-2540145
Entity Address, Address Line One	2500 Bee Cave Road
Entity Address, Address Line Two	Bldg One
Entity Address, Address Line Three	Suite 200
Entity Address, City or Town	Rollingwood
Entity Address, State or Province	TX
Entity Address, Postal Zip Code	78746
City Area Code	512
Local Phone Number	314-3400
Title of 12(b) Security	Class A Non-voting Common Stock, $.01 par value per share
Trading Symbol	EZPW
Security Exchange Name	NASDAQ
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
ICFR Auditor Attestation Flag	true
Entity Shell Company	false
Entity Public Float			$ 212
Documents Incorporated by Reference	None
Current Fiscal Year End Date	--09-30
Entity Central Index Key	0000876523
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	FY
Amendment Flag	false
Common Stock Class A Non-Voting
Document Information [Line Items]
Entity Common Stock, Shares Outstanding (in shares)		52,332,848
Common Stock Class B Voting
Document Information [Line Items]
Entity Common Stock, Shares Outstanding (in shares)		2,970,171

Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
Current assets:
Cash and cash equivalents	$ 304,542	$ 157,567
Restricted cash	8,011	4,875
Pawn loans	131,323	199,058
Pawn service charges receivable, net	20,580	31,802
Inventory, net	95,891	179,355
Notes receivable, net	0	7,182
Prepaid expenses and other current assets	32,903	25,921
Total current assets	593,250	605,760
Investments in unconsolidated affiliates	32,458	34,516
Property and equipment, net	56,986	67,357
Lease right-of-use asset	183,809
Goodwill	257,582	300,527
Intangible assets, net	58,638	68,044
Notes receivable, net	1,148	1,117
Deferred tax asset, net	8,931	1,998
Other assets	4,221	4,383
Total assets	1,197,023	1,083,702
Current liabilities:
Current maturities of long-term debt, net	213	214
Accounts payable, accrued expenses and other current liabilities	71,504	77,957
Customer layaway deposits	11,008	12,915
Lease liability	49,742
Total current liabilities	132,467	91,086
Long-term debt, net	251,016	238,380
Deferred tax liability, net	524	1,985
Lease liability	153,040
Other long-term liabilities	10,849	7,302
Total liabilities	547,896	338,753
Commitments and contingencies (Note 13)
Stockholders’ equity:
Additional paid-in capital	398,475	407,628
Retained earnings	318,169	389,163
Accumulated other comprehensive loss	(68,068)	(52,398)
Total equity	649,127	744,949
Total liabilities and equity	1,197,023	1,083,702
Common Stock Class A Non-Voting
Stockholders’ equity:
Common Stock	521	526
Common Stock Class B Voting
Stockholders’ equity:
Common Stock	$ 30	$ 30

Consolidated Balance Sheets (Parenthetical) - $ / shares	Sep. 30, 2020	Sep. 30, 2019
Common Stock Class A Non-Voting
Stockholders’ equity:
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	52,332,848	52,565,064
Common stock, shares outstanding (in shares)	52,332,848	52,565,064
Common Stock Class B Voting
Stockholders’ equity:
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	3,000,000	3,000,000
Common stock, shares issued (in shares)	2,970,171	2,970,171
Common stock, shares outstanding (in shares)	2,970,171	2,970,171

Consolidated Statements of Operations - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Revenues:
Total revenues	$ 822,811	$ 847,229	$ 812,156
Net revenues	449,235	494,448	481,551
Operating expenses:
Operations	341,040	358,253	334,841
Administrative	49,897	55,990	53,639
Impairment of goodwill, intangible and other assets	54,666	0	0
Depreciation and amortization	30,827	28,797	25,484
Loss on sale or disposal of assets and other	801	4,399	463
Other charges	20,388	0	0
Total operating expenses	497,619	447,439	414,427
Operating (loss) income	(48,384)	47,009	67,124
Interest expense	22,472	32,637	27,834
Interest income	(3,173)	(11,086)	(17,041)
Equity in net loss (income) of unconsolidated affiliates	2,429	135	(5,529)
Impairment of investment in unconsolidated affiliates	0	19,725	11,712
Other (income) expense	(17)	1,424	(5,391)
Income from continuing operations before income taxes	(70,095)	4,174	55,539
Income tax (benefit) expense	(1,632)	2,406	18,389
(Loss) income from continuing operations, net of tax	(68,463)	1,768	37,150
Loss from discontinued operations, net of tax	0	(457)	(856)
Net (loss) income	(68,463)	1,311	36,294
Net loss attributable to noncontrolling interest	0	(1,230)	(988)
Net (loss) income attributable to EZCORP	$ (68,463)	$ 2,541	$ 37,282
Basic earnings (loss) per share attributable to EZCORP, Inc. — continuing operations (usd per share)	$ (1.24)	$ 0.05	$ 0.70
Diluted earnings (loss) per share attributable to EZCORP, Inc. — continuing operations (usd per share)	$ (1.24)	$ 0.05	$ 0.66
Weighted-average basic shares outstanding (in shares)	55,313	55,341	54,456
Weighted-average diluted shares outstanding (in shares)	55,313	55,984	57,896
Merchandise
Revenues:
Total revenues	$ 498,213	$ 453,375	$ 438,372
Cost of goods sold	334,481	297,508	276,618
Jewelry scrapping
Revenues:
Total revenues	47,953	60,445	60,752
Cost of goods sold	38,041	52,935	52,290
Pawn service charges
Revenues:
Total revenues	272,638	327,366	304,577
Other
Revenues:
Total revenues	4,007	6,043	8,455
Cost of goods sold	$ 1,054	$ 2,338	$ 1,697

Consolidated Statements of Comprehensive (Loss) Income - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Statement of Comprehensive Income [Abstract]
Net (loss) income	$ (68,463)	$ 1,311	$ 36,294
Other comprehensive loss:
Foreign currency translation loss, net of income tax expense (benefit) for our investment in unconsolidated affiliate of $354, $(708) and $(353) for the years ended September 30, 2020, 2019 and 2018, respectively	(15,678)	(10,042)	(2,638)
Comprehensive (loss) income	(84,141)	(8,731)	33,656
Comprehensive loss attributable to noncontrolling interest	0	(1,230)	(882)
Comprehensive (loss) income attributable to EZCORP, Inc.	$ (84,141)	$ (7,501)	$ 34,538

- Definition

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

+ References + Details

- Definition

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

+ References + Details

- Definition

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

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+ Details

Consolidated Statements of Comprehensive (Loss) Income (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Statement of Comprehensive Income [Abstract]
Foreign currency translation adjustment, tax	$ 354	$ (708)	$ (353)

Consolidated Statements of Stockholders' Equity - USD ($) shares in Thousands, $ in Thousands	Total	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive Loss	Noncontrolling Interest
Beginning balance (in shares) at Sep. 30, 2017		54,398
Beginning balance at Sep. 30, 2017	$ 656,355	$ 544	$ 348,532	$ 347,885	$ (38,157)	$ (2,449)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	10,711		10,711
Release of restricted stock (in shares)		187
Release of restricted stock	2	$ 2
Taxes paid related to net share settlement of equity awards	(311)		(311)
Reclassification of stranded tax effects resulting from the Tax Cuts and Jobs Act	0			1,455	(1,455)
Foreign currency translation (loss) gain	(2,638)				(2,744)	106
Equity classified conversion feature of 2024 Convertible Notes, net of tax	38,995		38,995
Net income (loss)	36,294			37,282		(988)
Ending balance (in shares) at Sep. 30, 2018		54,585
Ending balance at Sep. 30, 2018	739,408	$ 546	397,927	386,622	(42,356)	(3,331)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	9,794		9,794
Release of restricted stock (in shares)		950
Release of restricted stock	10	$ 10
Taxes paid related to net share settlement of equity awards	(3,288)		(3,288)
Transfer of subsidiary shares to noncontrolling interest	0		3,195			(3,195)
Foreign currency translation (loss) gain	(10,042)				(10,042)
Deconsolidation of subsidiary	7,756					7,756
Net income (loss)	1,311			2,541		(1,230)
Ending balance (in shares) at Sep. 30, 2019		55,535
Ending balance at Sep. 30, 2019	744,949	$ 556	407,628	389,163	(52,398)	0
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	(5,094)		(5,094)
Release of restricted stock (in shares)		711
Release of restricted stock	6	$ 6
Taxes paid related to net share settlement of equity awards	(1,435)		(1,435)
Foreign currency translation (loss) gain	(15,678)		0	(8)	(15,670)
Purchase and retirement of treasury shares (in shares)		(943)
Purchase and retirement of treasury stock	(5,158)	$ (11)	(2,624)	(2,523)
Net income (loss)	(68,463)			(68,463)		0
Ending balance (in shares) at Sep. 30, 2020		55,303
Ending balance at Sep. 30, 2020	$ 649,127	$ 551	$ 398,475	$ 318,169	$ (68,068)	$ 0

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Operating activities:
Net (loss) income	$ (68,463)	$ 1,311	$ 36,294
Adjustments to reconcile net (loss) income to net cash provided by operating activities:
Depreciation and amortization	30,827	28,797	25,484
Amortization of debt discount and deferred financing costs	13,200	19,759	17,595
Amortization of lease right-of-use asset	45,649
Accretion of notes receivable discount and deferred compensation fee	(821)	(4,524)	(9,150)
Deferred income taxes	(8,393)	1,616	7,916
Impairment of goodwill, intangibles and other assets	54,666	0	0
Other adjustments	1,652	5,776	2,607
Reserve on jewelry scrap receivable	0	3,646	0
Stock compensation expense	(5,094)	9,751	10,784
Equity in net loss (gain) from investment in unconsolidated affiliates	2,429	135	(5,529)
Impairment of investment in unconsolidated affiliates	0	19,725	11,712
Changes in operating assets and liabilities, net of business acquisitions:
Pawn service charges receivable	11,021	(732)	(1,788)
Inventory	17,043	(493)	(1,074)
Prepaid expenses, other current assets and other assets	(875)	5,732	477
Accounts payable, accrued expenses and other liabilities	(37,401)	22,246	(3,271)
Customer layaway deposits	(1,647)	1,176	709
Income taxes, net of excess tax benefit from stock compensation	(4,715)	(10,404)	(3,785)
Net cash provided by operating activities	49,078	103,517	88,981
Investing activities:
Loans made	(568,368)	(737,585)	(707,220)
Loans repaid	394,469	434,142	421,331
Recovery of pawn loan principal through sale of forfeited collateral	304,323	288,502	266,962
Capital expenditures, net	(28,526)	(38,839)	(40,474)
Acquisitions, net of cash acquired	0	(8,116)	(93,165)
Investment in unconsolidated affiliate	0	0	(14,036)
Principal collections on notes receivable	8,000	34,067	32,396
Net cash provided by (used in) investing activities	109,898	(27,829)	(134,206)
Financing activities:
Taxes paid related to net share settlement of equity awards	(1,459)	(3,288)	(311)
Payout of deferred consideration	(350)	0	0
Proceeds from borrowings, net of issuance costs	912	1,064	171,409
Payments on borrowings	(198)	(196,093)	(3,510)
Repurchase of common stock	(5,158)	0	0
Net cash (used in) provided by financing activities	(6,253)	(198,317)	167,588
Effect of exchange rate changes on cash and cash equivalents and restricted cash	(2,612)	(507)	(654)
Net increase (decrease) in cash and cash equivalents and restricted cash	150,111	(123,136)	121,709
Cash and cash equivalents and restricted cash at beginning of period	162,442	285,578	163,869
Cash and cash equivalents and restricted cash at end of period	312,553	162,442	285,578
Supplemental disclosure of cash flow information
Total cash and cash equivalents and restricted cash	312,553	285,578	163,869
Cash paid during the period for interest	8,489	12,900	8,412
Cash paid during the period for income taxes, net	9,753	11,132	13,676
Non-cash investing and financing activities:
Pawn loans forfeited and transferred to inventory	$ 241,252	$ 301,357	$ 274,590

Organization and Summary of Significant Accounting Policies	12 Months Ended
	Sep. 30, 2020
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Organization and Summary of Significant Accounting Policies	NOTE 1: ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Description of Business EZCORP, Inc. was founded in 1989 and is a leading provider of pawn loans in the United States and Latin America. Pawn loans are non-recourse loans collateralized by tangible property. We also sell merchandise, primarily collateral forfeited from pawn lending operations and used merchandise purchased from customers. We are dedicated to satisfying the short-term cash needs of consumers, with a focus on delivering an industry-leading customer experience. As of September 30, 2020, we operated a total of 1,005 locations, consisting of: •505 United States pawn stores (operating primarily as EZPAWN or Value Pawn & Jewelry); •368 Mexico pawn stores (operating primarily as Empeño Fácil); •132 pawn stores in Guatemala, El Salvador, Honduras and Peru (operating as GuatePrenda and MaxiEfectivo). We have a 34.75% equity interest in Cash Converters International Limited (“Cash Converters International”), a publicly traded company (ASX:CCV) headquartered in Perth, Western Australia with operations in Australia and the United Kingdom. Cash Converters International and its controlled companies comprise a diverse group generating revenues from franchising store operations, personal finance and vehicle finance, controlling over 700 stores across 16 countries. We also own 13.14% of Rich Data Corporation (RDC), a Singapore-based software-as-a-service company that utilizes global financial services expertise, advanced artificial intelligence and non-traditional data to deliver a next-generation credit scoring and decisioning platform. Basis of Presentation and Principles of Consolidation The accompanying consolidated financial statements have been prepared in accordance with generally accepted accounting principles and are expressed in U.S. dollars. They include the accounts of EZCORP, Inc., and its wholly-owned subsidiaries. We use the equity method of accounting for entities in which we have a 50% or less investment and exercise significant influence. We account for equity investments for which we do not have significant influence and without readily determinable fair values at cost with adjustments for observable changes in price in orderly transactions for identical or similar investments of the same issuer or impairments. All inter-company accounts and transactions have been eliminated in consolidation. We have reclassified certain amounts in prior-period financial statements to conform to the current period’s presentation. Use of Estimates and Assumptions The preparation of these financial statements requires management to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenues and expenses and related disclosure of contingent assets and liabilities. We regularly evaluate estimates and judgments, including those related to revenue recognition, inventory, loan loss allowances, long-lived and intangible assets, share-based compensation, income taxes, contingencies and litigation. We base our estimates on historical experience, observable trends and various other assumptions that we believe are reasonable, the results of which form the basis for making judgements about the carrying values of assets and liabilities and the accrual of costs and expenses that are not readily apparent from other sources. Actual results may differ materially from the estimates under different assumptions or conditions. Pawn Loans and Revenue Recognition The carrying value of our pawn loans is based on the initial amounts loaned to customers, which are fully collateralized. We record pawn service charges using the effective interest method over the life of the loan for all pawn loans we believe to be collectible. We base our estimate of collectible loans on several inputs, including recent redemption rates, historical trends in redemption rates and the amount of loans due in the following months. Unexpected variations in any of these factors could change our estimate of collectible loans, affecting our results of operations 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 net realizable value of the item. Of our consolidated pawn loans outstanding balance of $131.3 million as of September 30, 2020, $51.9 million (40%) is attributable to stores in Texas and $14.8 million (11%) is attributable to stores in Florida. Merchandise Sales Revenue Recognition Our performance obligations for merchandise sales primarily relate to point in time retail sales in our stores. We recognize the satisfaction of the performance obligation and record merchandise sales revenue and the related cost when merchandise inventory is sold and delivered to the customer or, in the case of a layaway sale, when we receive the final payment. Customers have a limited period of time to return merchandise for a refund or exchange, and actual returns for refunds are not material. Sales tax collected on the sale of inventory is excluded from the amount recognized as sales and is recorded as a liability in “Accounts payable, accrued expenses and other current liabilities” in our consolidated balance sheets until remitted to the appropriate governmental authorities. We recognize the satisfaction of the performance obligation and record scrapping (precious metals and stones) sales revenue and the related cost when scrap inventory is legally transferred to the refiner and the refiner obtains control of the inventory. The receivables outstanding at the end of a given reporting period are not material. Payment of the receivable from the customer is generally received within a short period of time after the legal transfer of the scrap materials to the refiner. Our transaction prices are explicitly stated within the contracts with our customers. Inventory and Cost of Goods Sold If a pawn loan is not redeemed, we record the forfeited collateral at cost (the principal amount of the pawn loan) in "Inventory, net" in our consolidated balance sheets. We do not record loan loss allowances or charge-offs on the principal portion of pawn loans, as they are fully collateralized. We record our inventory using the specific identification method of accounting. In order to state inventory at the lower of cost or net realizable value, we record an allowance for excess, obsolete or slow-moving inventory based on the type and age of merchandise. Our inventory consists primarily of general merchandise and jewelry. Our "Merchandise cost of goods sold" includes the historical cost of inventory sold, inventory shrinkage and any change in the allowance for inventory shrinkage and valuation. We include the cost of operating our central jewelry processing unit under “Jewelry scrapping cost of goods sold,” as it relates directly to sales of precious metals to refiners. We consider our estimates of obsolete or slow-moving inventory and shrinkage critical estimates in determining the appropriate overall valuation allowance for inventory. We monitor our sales margins for each type of inventory on an ongoing basis and compare to historical margins. Significant variances in those margins may require a revision to future inventory reserve estimates. We monitor our reserve estimates pertaining to jewelry inventory depending on the current and projected prices of gold. Future declines in the value of gold prices may cause an increase in reserve rates pertaining to jewelry inventory. Situations that may result in excess or obsolete inventory include changes in business and economic conditions, changes in consumer confidence caused by changes in market conditions ,decreases in demand for our products or inventory obsolescence resulting from changes in technology. During fiscal 2020, we took a charge of $2.6 million to merchandise cost of sales for inventory provisions primarily related to the write-off of excess and obsolete inventory due to the impact of COVID-19. With respect to our Mexico pawn operations, we do not own the forfeited collateral; however, we assume the risk of loss on such collateral and are solely responsible for its care and disposition and, therefore, record such collateral under “Inventory, net” in our consolidated balance sheets. The amount of inventory from our Mexico pawn operations classified as “Inventory, net” in our consolidated balance sheets was $12.9 million and $26.9 million as of September 30, 2020 and 2019, respectively. Cash and Cash Equivalents and Cash Concentrations Cash and cash equivalents consist primarily of cash on deposit or highly liquid investments with original contractual maturities of three months or less, or money market mutual funds. 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 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. Restricted Cash Restricted cash consists of $8.0 million held in escrow pending resolution of a pre-closing tax indemnity claim related to the sale of Grupo Finmart. Equity Method Investments We account for our investment in Cash Converters International and RDC under the equity method. Since Cash Converters International’s fiscal year ends three months prior to ours, we report the income from this investment on a three-month lag. Thus, income reported for fiscal years ended September 30, 2020, 2019 and 2018 represents our percentage interest in the results of Cash Converters International’s operations for the twelve-month periods ended June 30, 2020, 2019 and 2018, respectively. Because Cash Converters International publicly files semi-annual financial reports with the Australian Securities & Investments Commission as of and for the periods ended June 30 and December 31, we make estimates for our equity in Cash Converters International’s net income (loss) for the three-month periods ended March 31 (our reporting period ended June 30) and September 30 (our reporting period ended December 31). Those estimates may vary from actual results. We adjust our estimates as necessary in our reporting periods ended March 31 and September 30 to conform to Cash Converters International actual results as shown in their published semi-annual reports. We measure and record all other-than-temporary impairments as of the date of our reporting period. Leases We enter into operating lease agreements for real estate related to pawn locations and corporate offices. We determine if an arrangement contains a lease at inception by determining whether there is an identified asset and whether the arrangement conveys the right to control the use of the identified asset. Operating lease liabilities are recognized at the lease commencement date based on the present value of fixed lease payments using the Company’s incremental borrowing rate. As our leases generally do not include an implicit rate, we compute our incremental borrowing rate based on information available at the lease commencement date applying the portfolio approach to groups of leases with similar characteristics. Right-of-use operating assets are recognized based on the initial present value of fixed lease payments over the lease term. Our lease terms include options to extend the lease when it is reasonably certain we will exercise its option. We used incremental borrowing rates that match the duration of the remaining lease terms of our operating leases on a fully collateralized basis upon adoption as of October 1, 2019 to initially measure our lease liability. We evaluate renewal options periodically for any changes in assumptions. Effective October 1, 2019, we adopted ASC Topic 842: Leases (“ASC 842”). Upon adoption, we elected to utilize the modified retrospective method, including not to account for lease and non-lease components separately. Lease components generally include rent, taxes and insurance, and non-lease components generally include common area maintenance. Right-of-use assets are tested for impairment in the same manner as long-lived assets. Under ASC 842, lease expense is recognized on a straight-line basis over the lease term with variable lease expense recognized in the period in which the costs are incurred. Our lease portfolio consists of pawn locations and corporate offices with leases terms ranging from three to ten years, including options to renew. We generally account for the initial lease term of our pawn locations as up to ten years. Our primary corporate office is leased through March 2029 with escalating rent payments annually and includes two five-year extension options at the end of the initial lease term. Definite-lived Intangible Assets Goodwill and indefinite-lived intangible assets are not subject to amortization. We test goodwill and indefinite-lived intangible assets for impairment annually as of September 30, or more frequently if an event occurs or circumstances change that could indicate a potential impairment. We compare the fair value of our reporting units with their carrying amount and recognize an impairment charge for the amount by which the carrying amount exceeds the reporting unit’s fair value, without exceeding the total amount of goodwill allocated to that reporting unit. We perform our impairment analyses utilizing the income approach. This approach uses estimated future cash flows and terminal values for each of our reporting units (discounted using a market participant perspective) to determine the fair value of each reporting unit, which is then compared to the carrying value of the reporting unit to determine if there is an impairment. We have determined that our reporting units are equivalent to our operating segments for fiscal 2020. The income approach includes assumptions about revenue growth rates, operating margins and terminal growth rates discounted by an estimated weighted-average cost of capital derived from other publicly traded companies that are similar but not identical from an operational and economic standpoint. We use discount rates that are commensurate with the risks and uncertainties inherent in the respective businesses and in our internally developed forecasts. Discount rates used in fiscal 2020 for the goodwill impairment analysis ranged from 11% to 19%. In testing other indefinite-lived intangible assets for potential impairment, we apply key assumptions that are consistent with those utilized in our goodwill impairment test. We may perform a qualitative assessment in making our determination of whether it is more likely than not goodwill and other indefinite-lived intangible assets are impaired in future reporting periods. In addition to the assumptions discussed above pertaining to the income approach, we consider the assessment of potential triggering events to be a critical estimate. 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 two to seven 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. Valuation of Long-Lived Assets The carrying values of long-lived assets, inclusive of right of use (ROU) assets, are periodically reviewed whenever events or changes in circumstances indicate that the carrying value may not be recoverable, such as historical operating losses or plans to close stores before the end of their previously estimated useful lives. A potential impairment has occurred if projected future undiscounted cash flows are less than the carrying value of the assets. The estimate of cash flows includes management's assumptions of cash inflows and outflows directly resulting from the use of those assets in operations. In addition to the assumptions associated with the determination of projected future cash flows, we consider the assessment of potential triggering events to be a critical estimate. When a potential impairment has occurred, an impairment write-down is recorded if the carrying value of the long-lived asset exceeds its fair value. Software Development Costs and Cloud Computing Arrangements We capitalize certain costs incurred in connection with developing or obtaining software for internal use and amortize the costs on a straight-line basis over the estimated useful lives of the software, typically five years. Net capitalized development costs are included in “Capital expenditures, net” in our consolidated statements of cash flows. In evaluating whether our cloud computing arrangements include a software license, we consider whether we have the contractual right to take possession of the software at any time during the hosting period without significant penalty and whether it is feasible for us to either run the software on our own hardware or contract with another party unrelated to the vendor to host the software. If a cloud computing arrangement includes a software license, we account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, we account for the arrangement as a service contract. Business Combinations We allocate the total acquisition price to the fair value of assets and liabilities acquired under the acquisition method with goodwill representing the excess of purchase price over the fair value of net assets acquired. We expense transaction costs as incurred. We recognize any adjustments to provisional amounts and goodwill that are identified during the measurement period in the reporting period in which the adjustment amounts are determined, with the effect on current period earnings of changes in depreciation, amortization or other income effects, if any, as a result of the change to the provisional amounts, calculated as if the accounting had been completed at the acquisition date. Convertible Debt Securities In accounting for our convertible debt securities at issuance, we separated the securities into debt and equity components pursuant to the accounting standards for convertible debt instruments that may be fully or partially settled in cash upon conversion. The carrying value of the liability components was calculated by measuring the fair value of similar liabilities that do not have an associated conversion feature, including discount rates of approximately 8%. The excess of the principal amount over the fair value of the liability component was recorded as a discount with a corresponding increase in additional paid-in capital. The debt discounts will be accreted to “Interest expense” over the respective terms of the convertible debt securities using the effective interest method. The amount recorded to “Additional paid-in capital” will not be remeasured as long as they continue to meet the conditions for equity classification. We account for the conversion premium of the convertible debt securities under the treasury method in accordance with our accounting policy, which assumes settlement of the conversion premium (equal to the as-converted value over the face principal amount) in shares of our Class A Common Stock. Foreign Currency Our foreign subsidiaries use the local currency of their respective countries as their functional currency. Assets and liabilities of our foreign subsidiaries' balance sheet accounts and our equity method investments are translated from their respective functional currencies into United States dollars at the exchange rate at the end of each quarter, and their earnings are translated into United States dollars at the average exchange rate each quarter. We present resulting translation adjustments as a separate component of stockholders’ equity. Foreign currency transaction gains and losses not accounted for as translations are included in “Other expense (income)” in our consolidated statements of operations. These gains were $0.5 million, $0.3 million and $0.4 million for fiscal 2020, 2019 and 2018, respectively. Operations Expense Included in “Operations” expense are costs related to operating our stores and any direct costs of support offices. These costs include labor, other direct expenses such as utilities, supplies and banking fees and indirect expenses such as store rent, building repairs and maintenance, advertising, store property taxes and insurance and regional and area management expenses. Administrative Expense Included in “Administrative” expense are costs related to our executive and administrative offices. This includes executive and administrative salaries, wages, stock and incentive compensation, professional fees, license fees, costs related to the operation of our administrative offices such as rent, property taxes, insurance, information technology and other corporate costs. Advertising Advertising costs are expensed as incurred and included primarily under “Operations” expense in our consolidated statements of operations. These costs were $2.0 million, $2.0 million and $2.5 million for fiscal 2020, 2019 and 2018, respectively. Stock Compensation We measure share-based compensation expense at the grant date based on the price of underlying shares at that date and recognize it as expense, net of estimated forfeitures, ratably over the vesting or service period, as applicable, of the stock award. Our policy is to recognize expense on performance-based awards, where satisfaction of the performance condition is probable, ratably over the awards’ vesting period and recognize expense on awards that only have service requirements on a straight-line basis. 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. We consider the earnings of certain non-U.S. subsidiaries to be indefinitely invested outside the United States on the basis of estimates that future domestic cash generation will be sufficient to meet future domestic cash needs and our specific plans for reinvestment of those subsidiary earnings. We have not recorded a deferred tax liability related to the U.S. federal and state income taxes and foreign withholding taxes of our undistributed earnings of foreign subsidiaries indefinitely invested outside the U.S. We may be subject to income tax audits by the respective tax authorities in any or all of the jurisdictions in which we operate or have operated within a relevant period. Significant judgment is required in determining uncertain tax positions. We utilize the required two-step approach to recognize and measure uncertain tax positions. The first step is to evaluate the tax position for recognition by determining if the weight of available evidence indicates it is more likely than not that the position will be sustained on audit, including resolution of related appeals or litigation processes. The second step is to measure the tax benefit as the largest amount that is more than 50% likely to be realized upon ultimate settlement. We consider many factors when evaluating and estimating our tax positions and tax benefits, which may require periodic adjustments, and which may not accurately forecast actual outcomes. We adjust these reserves in light of changing facts and circumstances, such as the closing of an audit or the refinement of an estimate. Changes in recognition or measurement are reflected in the period in which the change in judgment occurs. We believe adequate provisions for income taxes have been made for all periods. We recognize interest and penalties related to unrecognized tax benefits as “Income tax expense” in our consolidated statements of operations. We consider our assessment of the recognition of deferred tax assets as well as estimates of uncertain tax positions to be critical estimates. Earnings per Share and Common Stock We compute basic earnings per share based on the weighted average number of shares of common stock outstanding during the period. We compute diluted earnings per share based on the weighted average number of shares of common stock plus the effect of dilutive potential common shares outstanding, including conversion features embedded in our outstanding convertible debt, during the period using the treasury stock method. Dilutive potential common shares include outstanding restricted stock awards as well as shares issuable on conversion of our outstanding convertible debt securities and exercise of outstanding warrants. Potential common shares are required to be excluded from the computation of diluted earnings per share if the assumed proceeds upon exercise or vest 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. There were no participating securities outstanding during fiscal 2020, 2019 and 2018 requiring the application of the two-class method. When we are in a loss position for the period, dilutive securities are excluded from the calculation of earnings per share, as they would have an anti-dilutive effect. Our capital stock consists of two classes of common stock designated as Class A Non-Voting Common Stock (“Class A Common Stock”) and Class B Voting Common Stock (“Class B Common Stock”). The rights, preferences and privileges of the Class A and Class B Common Stock are similar except that each share of Class B Common Stock has one vote and each share of Class A Common Stock has no voting privileges, except as required by law. All Class A Common Stock is publicly held. Holders of Class B Common Stock may, individually or as a class, convert some or all of their shares into Class A Common Stock on a one-to-one basis. Class A Common Stock becomes voting common stock upon the conversion of all Class B Common Stock to Class A Common Stock. We are required to reserve the number of authorized but unissued shares of Class A Common Stock that would be issuable upon conversion of all outstanding shares of Class B Common Stock. Impact of COVID-19 In December 2019, a novel strain of coronavirus “COVID-19” was identified in Wuhan, China. COVID-19 has caused a global health emergency and was declared a worldwide pandemic by the World Health Organization on March 11, 2020. In an effort to slow and contain the spread of COVID-19, local, state and national governments implemented various measures, which have impacted businesses worldwide. Many of these measures have expired or been rescinded, but some are continuing and others are being reimplemented or considered for reimplementation as COVID-19 continues to spread at rapid rates in many parts of the U.S. We began to see the impact of COVID-19 to our operations in mid-March when the closure of non-essential businesses and the implementation of stay-at-home requirements began in our geographic locations. During the third quarter, we were able to keep virtually all of our stores in the U.S. and Mexico open for business and operating under enhanced safety measures and restrictions on occupancy, but store closure orders in our GPMX countries (Guatemala, El Salvador, Honduras and Peru) had a more severe impact on our business. Since that time and continuing through the fourth quarter, we have been able to keep virtually all of our stores open for business. Starting in mid-March and continuing through most of the fourth quarter, we experienced a significant decline in pawn loan originations and associated loan balances as a result of a change in customer borrowing behaviors due to COVID-19. This reduced activity resulted in net revenue losses for the year, which were partially offset by a strong increase in merchandise sales. The factors described above impacted the forecast of future net revenues and earnings and resulted in lower present value of future cash flows. We recorded a goodwill impairment charge of $41.3 million in the second quarter of fiscal 2020. In addition, we (a) determined an impairment had occurred in the fair values of trade names of previously acquired entities in our Mexico and GPMX reporting units and recorded a related impairment of $2.9 million and $1.7 million respectively, and (b) determined the carrying amount of certain long-lived asset groups were not recoverable and recorded a related impairment of $1.1 million, all in the second quarter of 2020. The full extent and duration of the COVID-19 impact on the global economy generally, and on our business specifically, is currently unknown and cannot be reasonably estimated. The pandemic has had an adverse effect on our net revenues and earnings in fiscal 2020. We expect the impact of the pandemic, and the recovery therefrom, will continue to adversely affect net revenues and earnings into fiscal 2021. A prolonged pandemic and recovery may have an adverse effect on our results of operations, financial position and liquidity in future periods. Recently Adopted Accounting Policies In March 2020, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2020-04, Reference Rate Reform (Topic 848) — Facilitation of the Effects of Reference Rate Reform on Financial Reporting. ASU 2020-04 provides optional expedients and exceptions for applying GAAP to contracts, hedging relationships and other transactions that reference LIBOR or another reference rate. ASU 2020-04 is effective upon issuance through December 31, 2022. This ASU has not had a significant impact on our consolidated financial statements and related disclosures to date. We will continue to assess the applicability to any future arrangements. Effective October 1, 2019, we adopted ASC - Leases (Topic 842) which requires companies to recognize operating and financing lease liabilities and corresponding right-of-use assets on the balance sheet using the modified retrospective method provided under ASU 2018-11, Leases- (Topic 842): Targeted Improvements. Additionally, we elected the package of practical expedients under Accounting Standards Codification ("ASC") 842 as well as the transition guidance elections to not separate lease and non-lease components for leases under ASC 842. Further, we have elected an accounting policy to not record right-of-use assets and lease liabilities for leases that have a duration of 12 months or less. See Note 12 for additional discussion. Recently Issued Accounting Pronouncements In August 2020, the FASB issued its Accounting Standards Update (“ASU”) 2020-06, Debt – Debt with Conversion and Other Options (Subtopic 470-20) and Derivatives and Hedging – Contracts in Entity’s Own Equity (Subtopic 815 – 40), (“ASU 2020-06”). ASU 2020-06 simplifies the accounting for certain financial instruments with characteristics of liabilities and equity, including convertible instruments and contracts on an entity’s own equity. The ASU 2020-06 amendments are effective for fiscal years beginning after December 15, 2021, and interim periods within those fiscal years. Early adoption is permitted, but no earlier than fiscal years beginning after December 15, 2020, including interim periods within those fiscal years. We are assessing the amendments in ASU 2020-06 to determine the impact on our consolidated financial statements and related disclosures. In June 2016, the FASB issued ASU 2016-13, Financial Instruments — Credit Losses (Topic 326) (ASU 2016-13). ASU 2016-13 modifies the measurement of expected credit losses of certain financial instruments, requiring entities to estimate an expected lifetime credit loss on financial assets. The ASU amends the impairment model to utilize an expected loss methodology and replaces the incurred loss methodology for financial instruments including trade receivables. The amendment requires entities to consider other factors, such as economic conditions and future economic conditions. A reporting entity should generally apply the amendment on a modified retrospective basis through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the amendment is effective. We are still assessing the amendments in ASU 2016-13 and do not expect the amendments will have a significant impact on our consolidated financial statements and related disclosures. ASU 2016-13 is effective for the first quarter of fiscal 2021.

Other Charges

12 Months Ended

Sep. 30, 2020

Restructuring and Related Activities [Abstract]

Other Charges

NOTE 2: OTHER CHARGES

Strategic Initiatives. During the fourth quarter of fiscal 2020, we began to implement strategic initiatives to refocus on our core pawn business and optimize our cost structure in order to improve our bottom line performance and position the Company for sustainable growth. The initiatives focused on workforce reductions, closure of our CASHMAX operations, store closures and write-offs of other miscellaneous charges.

Charges and adjustments related to our initiatives are summarized below:

•$6.4 million in severance and other payroll-related costs related to a headcount reduction in the corporate office;

•$4.9 million in costs related to the closure of the CASHMAX business and related operations, primarily consisting of severance and other payroll-related costs, net asset write-offs, impairment of internally developed software and contract termination costs;

•$4.1 million in costs primarily related to the closure of four stores in U.S. Pawn and three stores in Latin America Pawn, consisting primarily of severance and other payroll-related costs and reserves on net assets; and

• $5.0 million in other miscellaneous charges, primarily consisting of impairment of internally developed software and contract termination costs.


(in millions)		Accrued Charges at September 30, 2019		Charges and Adjustments		Payments and Adjustments		Accrued Charges at September 30, 2020
Cash charges:
	Labor reduction costs	$	—	$	6.4	$	0.5	$	5.9
	CASHMAX shutdown costs	—		1.8		1.0		0.8
	Store closure costs	—		1.8		—		1.8
	Other	—		2.5		0.3		2.2
		$	—	$	12.5	$	1.8	$	10.7
Non-cash charges:
	Labor reduction costs			$	—
	CASHMAX shutdown costs			3.1
	Store closure costs			2.3
	Other			2.5
				$	20.4

Acquisitions

12 Months Ended

Sep. 30, 2020

Business Combinations [Abstract]

Acquisitions

NOTE 3: ACQUISITIONS

Fiscal 2019 Acquisitions

In June 2019, we acquired assets related to seven pawn stores operating under the name "Metro Pawn" in Nevada, entering the Reno market and expanding our presence in the Las Vegas metropolitan area, for an aggregate purchase price of $7.0 million in cash, of which $3.9 million was recorded as goodwill. In December 2018, we acquired assets related to five pawn stores in Mexico for an aggregate purchase price of $0.3 million in cash, of which $0.1 million was recorded as goodwill. Substantially all goodwill attributable to the fiscal 2019 acquisitions is deductible for tax purposes. We have concluded these acquisitions were immaterial to our overall consolidated financial results and, therefore, have omitted information that would otherwise be required.

Fiscal 2018 Acquisitions

Camira Administration Corp. and subsidiaries (“GPMX”)

In October 2017, we completed the acquisition of 100% of the outstanding stock of Camira Administration Corp. and subsidiaries (“GPMX”), a business that, at the time, owned and operated 112 stores located in Guatemala, El Salvador, Honduras and Peru. The GPMX acquisition significantly expanded our store base into Latin American countries outside of Mexico and provided us with a platform for further growth in the region. Under the terms of the stock purchase agreement (“SPA”), we paid $53.4 million in cash upon closing and, subsequent to the closing, paid $6.7 million to satisfy the acquired company's indebtedness to members of the seller’s affiliated group. The SPA specified a further $2.25 million to be paid contingent upon performance of GPMX’s business during a period up to 24 months following the closing date, and the business achieved the specified performance goal during the first quarter of fiscal 2018. Consequently, we made a final payment of $1.6 million in January 2018 in satisfaction of the contingent purchase price obligation, after reduction for certain adjustments under the SPA, yielding a total purchase price of $61.7 million.

All Other

In June 2018, we acquired 40 pawn stores operating under the name “Montepio San Patricio” in and around Mexico City, the largest market in Mexico. The acquisition of these stores was our largest acquisition in Mexico to date and significantly strengthened our competitive position in the strategically important Mexico City metropolitan area. The physical space in these stores is substantially larger than our average store in Mexico, giving us the capacity to increase their focus on general merchandise pawn loan and retail activities.

In June 2018, we acquired 23 pawn stores operating under the name “Presta Dinero,” giving us a presence in a number of cities within seven central-Mexico states in which we already had stores. These stores complemented our existing stores, allowing us to achieve synergies in management and administration while giving us a presence in new cities and neighborhoods.

In December 2017, we acquired 21 pawn stores located in the Mexican state of Sinaloa operating under the name “Bazareño.” The Bazareño stores made up the largest chain of pawn stores in Culiacan, the capital city of Sinaloa, giving us the number one position in that market and an important strategic presence in the northwest region of Mexico.

The purchase prices of the above acquisitions were paid in cash.

These acquisitions, collectively referred to as "All Other" below, were individually immaterial and we have therefore omitted or aggregated certain disclosures.

Other Information for Fiscal 2018 Acquisitions

The acquisitions described above were all attributable to our Latin America Pawn segment. The allocation of the consideration for the acquired net assets from our fiscal 2018 acquisitions was as follows:


	GPMX		All Other

	(in thousands)
Cash and cash equivalents	$	2,560	$	—
Earning assets	17,247		8,347
Other assets	2,145		3,737
Property and equipment, intangible assets, deferred taxes and other assets, net*	11,671		13,678
Goodwill	34,816		7,770
Accounts payable, deferred taxes and other liabilities	(6,723)		1,621
Total consideration	$	61,716	$	35,153

* As September 30, 2018 intangible assets consist primarily of $9.8 million and $6.6 million in trade names acquired with indefinite useful lives, for GPMX and All Other, respectively.

The factors contributing to the recognition of goodwill, which is recorded in our Latin America Pawn segment, were based on several strategic and synergistic benefits we expect to realize from the acquisitions, including expansion of our store base as well as the ability to further leverage our pawn expertise, investments in information technology and other back office and support functions of our existing Mexico pawn business. None of the goodwill resulting from these business combinations is deductible for tax purposes.

The results of the acquired businesses have been included in our consolidated financial statements beginning after the acquisition dates as indicated above in our Latin America Pawn segment with revenue and net income amounts as presented below. Such net income does not include acquisition-related costs of approximately $0.6 million for fiscal 2018, which were expensed as incurred and primarily included under “Administrative” expense in our consolidated statements of operations. It is impracticable to provide historical supplemental pro forma financial information for GPMX and All Other acquisitions due to a variety of factors, including complexity of restructured entities acquired and access to historical information, such as information necessary to eliminate intercompany transactions.


	Fiscal Year Ended September 30, 2018
	Revenue		Net Income


GPMX	$	46.5	$	8.0
All Other	7.5		1.3

(Loss) Earnings Per Share

12 Months Ended

Sep. 30, 2020

Earnings Per Share [Abstract]

(Loss) Earnings Per Share

NOTE 4: (LOSS) EARNINGS PER SHARE

Components of basic and diluted (loss) earnings per share and excluded antidilutive potential common shares are as follows:


	Fiscal Year Ended September 30,
	2020		2019		2018

	(in thousands, except per share amounts)
Net (loss) income from continuing operations attributable to EZCORP (A)	$	(68,463)	$	2,998	$	38,138
Loss from discontinued operations, net of tax (B)	—		(457)		(856)
Net (loss) income attributable to EZCORP (C)	$	(68,463)	$	2,541	$	37,282

Weighted average outstanding shares of common stock (D)	55,313		55,341		54,456
Dilutive effect of restricted stock and 2024 Convertible Notes*	—		643		3,440
Weighted average common stock and common stock equivalents (E)	$	55,313	$	55,984	$	57,896

Basic (loss) earnings per share attributable to EZCORP:
Continuing operations (A/E)	$	(1.24)	$	0.05	$	0.70
Discontinued operations (B / D)	—		(0.01)		(0.02)
	$	(1.24)	$	0.04	$	0.68

Diluted (loss) earnings per share attributable to EZCORP:
Continuing operations (A / E)	$	(1.24)	$	0.05	$	0.66
Discontinued operations (B / E)	—		(0.01)		(0.02)
Diluted (loss) earnings per share (C / E)	$	(1.24)	$	0.04	$	0.64

Potential common shares excluded from the calculation of diluted earnings per share above*:
Restricted stock**	2,786		2,121		2,218

* See Note 9 for discussion of the terms and conditions of the potential impact of the 2024 Convertible Notes and 2025 Convertible Notes. This amount excludes all potential common shares for periods when there is a loss from continuing operations.

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

Strategic Investments

12 Months Ended

Sep. 30, 2020

Equity Method Investments and Joint Ventures [Abstract]

Strategic Investments

NOTE 5: STRATEGIC INVESTMENTS

As of September 30, 2020, we owned 214,183,714 shares, or approximately 34.75%, of Cash Converters International. Our total investment in Cash Converters International was acquired between November 2009 and June 2018 for approximately $96.1 million, including the acquisition of 57,631,230 shares in June 2018 for $14.0 million (increasing our ownership by three percentage points) in connection with an underwritten placement of 123.3 million shares by Cash Converters International for AUD $39.5 million, excluding related costs.

Our equity in Cash Converters International’s net loss was $2.1 million and $0.1 million in fiscal 2020 and 2019, and our equity in net income was $5.5 million in 2018. Cash Converters International did not declare or pay a dividend in fiscal 2020, 2019 or 2018. Cash Converters International’s accumulated undistributed after-tax earnings included in our consolidated retained earnings were $13.7 million as of September 30, 2020.

The following tables present summary financial information for Cash Converters International’s most recently reported results as of September 30, 2020, 2019 and 2018 as applicable after translation to U.S. dollars:


	June 30,
	2020		2019

	(in thousands)
Current assets	$	157,183	$	173,826
Non-current assets	172,833		152,483
Total assets	$	330,016	$	326,309

Current liabilities	$	68,028	$	77,434
Non-current liabilities	51,275		26,163
Shareholders’ equity	210,713		222,712
Total liabilities and shareholders’ equity	$	330,016	$	326,309


	Fiscal Year Ended June 30,
	2020		2019		2018
	(in thousands)
Gross revenues	$	187,025	$	201,365	$	201,800
Gross profit	112,511		111,932		128,366
Net (loss) profit	(7,032)		(1,210)		17,443

At September 30, 2020, the fair value of our investment in Cash Converters International, as estimated by reference to its quoted market price per share, was greater than its carrying value.

For the first and second quarters of fiscal 2019, we determined that our investment was impaired and that such impairment was "other-than-temporary." In reaching this conclusion, we considered all available evidence, including evidence in existence as of September 30, 2018. Additionally, we noted the following developments subsequent to September 30, 2018: (i) continued decline in Cash Converters International's share price; and (ii) ongoing uncertainty around the Queensland, Australia class action lawsuit regarding historical lending practices by Cash Converters International, for which a settlement agreement was reached subsequent to September 30, 2019. As a result, we recognized "other-than-temporary" impairments in Cash Converters International of $13.3 million ($10.3 million, net of taxes) and $6.5 million ($5.0 million, net of taxes) during the first and second quarters of fiscal 2019, respectively. The fair value of our investment in Cash Converters International was $6.2 million below its carrying value as of September 30, 2019, which we determined was not other-than temporary primarily as a result of the subsequent settlement of the remaining Queensland, Australia class action lawsuit and recovery of share price.

We will continue to monitor the fair value of our investment in Cash Converters International for other-than-temporary impairments in future reporting periods and may record additional impairment charges should the fair value of our investment in Cash Converters International decline below its carrying value for an extended period of time. See Note 6 for the fair value and carrying value of our investment in Cash Converters International.

We hold a 13.14% ownership in "RDC" and recognized a $0.3 million net loss for fiscal year 2020.

Fair Value Measurements

12 Months Ended

Sep. 30, 2020

Fair Value Disclosures [Abstract]

Fair Value Measurements

NOTE 6: FAIR VALUE MEASUREMENTS

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

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

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

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

Financial Assets and Liabilities Not Measured at Fair Value

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


	Carrying Value		Estimated Fair Value
	September 30, 2020		September 30, 2020		Fair Value Measurement Using
					Level 1		Level 2		Level 3
	(in thousands)
Financial assets:
2.89% promissory note receivable due April 2024	$	1,148	$	1,148	$	—	$	—	$	1,148
Investments in unconsolidated affiliates	32,458		32,597		24,833		—		7,764
Financial liabilities:
2024 Convertible Notes	$	117,193	$	129,979	$	—	$	129,979	$	—
2025 Convertible Notes	133,164		137,569		—		137,569		—
8.5% unsecured debt due 2024	872		872		—		—		872


	Carrying Value		Estimated Fair Value
	September 30, 2019		September 30, 2019		Fair Value Measurement Using
					Level 1		Level 2		Level 3

	(in thousands)
Financial assets:
Notes receivable from Grupo Finmart, net	$	7,182	$	7,582	$	—	$	—	$	7,582
2.89% promissory note receivable due April 2024	1,117		1,117		—		—		1,117
Investments in unconsolidated affiliates	34,516		28,308		20,252		—		8,056
Financial liabilities:
2024 Convertible Notes	$	111,311	$	139,969	$	—	$	139,969	$	—
2025 Convertible Notes	126,210		138,345		—		138,345		—
8.5% unsecured debt due 2024	1,092		1,092		—		—		1,092
CASHMAX secured borrowing facility	634		634		—		—		634

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

In September 2020, we received the final payment from AlphaCredit on the notes receivable related to the sale of Grupo Finmart and recorded the amount under “Restricted cash” in our consolidated balance sheet as of September 30, 2020. In August 2019, AlphaCredit notified us of an indemnity claim for certain pre-closing taxes, but the nature, extent and validity of such claim has yet to be determined.

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

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

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

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

by the seller and held in a U.S. brokerage account. All principal and accrued interest is due and payable in April 2024. The note approximated its carrying value as of September 30, 2020.

- Definition

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

+ References + Details

Property and Equipment

12 Months Ended

Sep. 30, 2020

Property, Plant and Equipment [Abstract]

Property and Equipment

NOTE 7: PROPERTY AND EQUIPMENT

Major classifications of property and equipment were as follows:


	September 30,
	2020						2019
(in thousands)	Carrying Amount		Accumulated Depreciation		Net Book Value		Carrying Amount		Accumulated Depreciation		Net Book Value

Land	$	4	$	—	$	4	$	4	$	—	$	4
Buildings and improvements	105,137		(75,445)		29,692		103,486		(68,895)		34,591
Furniture and equipment	127,793		(101,888)		25,905		127,531		(96,142)		31,389
Software	33,729		(33,190)		539		34,245		(33,528)		717
Construction in progress	846		—		846		656		—		656
	$	267,509	$	(210,523)	$	56,986	$	265,922	$	(198,565)	$	67,357

Goodwill and Intangible Assets

12 Months Ended

Sep. 30, 2020

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Intangible Assets

NOTE 8: GOODWILL AND INTANGIBLE ASSETS

We test goodwill and intangible assets with indefinite useful lives for impairment annually, or more frequently when there are events or circumstances that indicate a potential impairment exists. During the second quarter of fiscal 2020, there was an indicator of impairment due to a decline in our market capitalization. We performed a quantitative analysis as of March 31, 2020 utilizing the income approach. This approach uses future cash flows and estimated terminal values for each reporting unit (discounted using a market participant perspective) to determine the fair value of each reporting unit, which is then compared to the carrying value of the reporting unit to determine if an impairment exists. The income approach includes assumptions about revenue growth rates, operating margins and terminal growth rates discounted by an estimated weighted-average cost of capital derived from other publicly traded companies that are similar but not identical from an operational and economic standpoint. There is inherent uncertainty associated with these key assumptions, including the duration of the economic downturn associated with COVID-19 and the recovery period. As a result of our quantitative analysis, we determined the fair value of each of our reporting units was below its carrying value because of the impact of COVID-19, including a significant decline in pawn loan balances due to changes in typical customer behavior and mandated store closures in our GPMX countries. These factors impacted the forecast of future net revenues and earnings and resulted in lower present value of future cash flows. We recorded a goodwill impairment charge of $41.3 million in the second quarter of fiscal 2020. In addition, we (a) determined an impairment had occurred in the fair values of trade names of previously acquired entities in our Mexico and GPMX reporting units and recorded a related impairment of $2.9 million and $1.7 million respectively, and (b) determined the carrying amount of certain long-lived asset groups were not recoverable and recorded a related impairment of $1.1 million in the second quarter of 2020. These impairments were recorded under "Impairment of goodwill, intangible and other assets" in the Consolidated Statements of Operations. We further evaluated events and circumstances as of September 30, 2020 and determined there were no indicators of impairment.

The following table presents the changes in the carrying value of goodwill by segment:


	U.S. Pawn		Latin America Pawn		Consolidated

	(in thousands)
Balances as of September 30, 2018	$	247,894	$	51,354	$	299,248
Acquisitions	3,858		(1,721)		2,137
Effect of foreign currency translation changes	—		(858)		(858)
Balances as of September 30, 2019	$	251,752	$	48,775	$	300,527
Measurement period adjustments	176		(149)		27
Goodwill impairment *	(10,000)		(31,340)		(41,340)
Effect of foreign currency translation changes	—		(1,632)		(1,632)
Balances as of September 30, 2020	$	241,928	$	15,654	$	257,582

* Represents cumulative goodwill impairment.

The following table presents the balance of each major class of intangible assets:


	September 30,
	2020		2019
	(in thousands)
Non-amortizing intangible assets:
Trade names	$	19,094	$	19,938
Accumulated impairment losses	(4,598)		—
	$	14,496	$	19,938
Pawn licenses	9,509		9,517
	$	24,005	$	29,455

Amortizing intangible assets:
Internally developed software	$	67,457	$	59,436
Accumulated amortization	(33,646)		(24,280)
Accumulated impairment losses	$	(2,579)	—
	$	31,232	$	35,156

Non-compete agreements	$	3,417	$	3,563
Accumulated amortization	(3,394)		(3,399)
	$	23	$	164

Other	$	5,600	$	5,598
Accumulated amortization	(2,222)		(2,329)
	$	3,378	$	3,269

Intangible assets, net	$	58,638	$	68,044

The amortization of most definite-lived intangible assets is recorded as amortization expense and included under “Depreciation and amortization” expense in our consolidated statements of operations. These amounts were $11.2 million, $7.8 million and $5.8 million for fiscal 2020, 2019 and 2018, respectively.

The following table presents our estimate of future amortization expense for definite-lived intangible assets:


Fiscal Year Ended September 30,	Amortization expense

	(in thousands)
2021	$	8,344
2022	7,631
2023	5,892
2024	5,159
2025	1,685

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

Debt

12 Months Ended

Sep. 30, 2020

Debt Disclosure [Abstract]

Debt

NOTE 9: DEBT

The following tables present our debt instruments outstanding, contractual maturities and interest expense:


	September 30, 2020						September 30, 2019
	Gross Amount		Debt Discount and Issuance Costs		Carrying Amount		Gross Amount		Debt Discount and Issuance Costs		Carrying Amount

	(in thousands)
2024 Convertible Notes	$	143,750	$	(26,557)	$	117,193	$	143,750	$	(32,439)	$	111,311
2025 Convertible Notes	172,500		(39,336)		133,164		172,500		(46,290)		126,210
8.5% unsecured debt due 2024*	872		—		872		1,092		—		1,092
CASHMAX*	—		—		—		634		(653)		(19)
Total	$	317,122	$	(65,893)	$	251,229	$	317,976	$	(79,382)	$	238,594
Less current portion	213		—		213		214		—		214
Total long-term debt	$	316,909	$	(65,893)	$	251,016	$	317,762	$	(79,382)	$	238,380

* Amounts translated from Guatemalan quetzals and Canadian dollars as of the applicable period end.


	Schedule of Contractual Maturities
	Total		Less Than 1 Year		1 - 3 Years		3 - 5 Years

	(in thousands)
2024 Convertible Notes*	$	143,750	$	—	$	—	$	143,750
2025 Convertible Notes*	172,500		—		—		172,500
8.5% unsecured debt due 2024	872		213		427		232
Total	$	317,122	$	213	$	427	$	316,482

* Excludes the potential impact of embedded derivatives.


	Fiscal Year Ended September 30,
	2020		2019		2018

	(in thousands)
2019 Convertible Notes:
Contractual interest expense	$	—	$	3,074	$	4,144
Amortization of debt discount and deferred financing costs	—		7,556		9,952
Total interest expense	$	—	$	10,630	$	14,096
2024 Convertible Notes:
Contractual interest expense	$	4,133	$	4,133	$	4,133
Amortization of debt discount and deferred financing costs	5,883		5,452		5,057
Total interest expense	$	10,016	$	9,585	$	9,190
2025 Convertible Notes:
Contractual interest expense	$	4,097	$	4,097	$	1,559
Amortization of debt discount and deferred financing costs	6,954		6,468		2,383
Total interest expense	$	11,051	$	10,565	$	3,942

2.375% Convertible Senior Notes Due 2025

In May 2018, we issued $172.5 million aggregate principal amount of 2.375% Convertible Senior Notes Due 2025 (the “2025 Convertible Notes”). All of the 2025 Convertible Notes were issued pursuant to an indenture dated May 14, 2018 (the "2018 Indenture") by and between us and Wells Fargo Bank, National Association, as the trustee. Effective October 1, 2019, Branch Banking and Trust Company (“BB&T”), a North Carolina Bank, has assumed the duties and responsibilities as trustee under the 2018 Indenture.

The 2025 Convertible Notes were issued in a private offering and resold under Rule 144A under the Securities Act of 1933. The 2025 Convertible Notes pay interest semi-annually in arrears at a rate of 2.375% per annum on May 1 and November 1 of each year, commencing November 1, 2018, and will mature on May 1, 2025 (the "2025 Maturity Date"), unless converted, redeemed or repurchased in accordance with their terms prior to such date. At maturity, the holders of the 2025 Convertible Notes will be entitled to receive cash equal to the principal amount of the 2025 Convertible Notes plus unpaid accrued interest.

The 2025 Convertible Notes are convertible based on an initial conversion rate of 62.8931 shares of Class A Non-Voting Common Stock (“Class A Common Stock”) per $1,000 principal amount (equivalent to an initial conversion price of $15.90 per share). The conversion rate will not be adjusted for any accrued and unpaid interest. The 2025 Convertible Notes contain certain make-whole fundamental change premiums and customary anti-dilution adjustments. Upon conversion, we may settle in cash, shares of Class A Common Stock or any combination thereof, at our election. We account for the Class A Common Stock issuable upon conversion under the treasury stock method. If our average share price is over $15.90 per share for any fiscal quarter, we are required to recognize incremental dilution of our earnings per share.

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

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

We measured the fair value of the liability component of the 2025 Convertible Notes under a discounted cash flow approach considering our synthetic credit rating, as determined with external consultation, including inputs that are not observable in the market. The fair value of the liability component was estimated by calculating the present value of the cash flows using a discount rate of 8% for a similarly structured liability with no conversion feature, maturing in seven years. Our estimate resulted in an initial carrying value of the liability component of the 2025 Convertible Notes of $121.3 million with an associated original issue discount of $51.2 million, exclusive of deferred financing costs, accreted to the face value of the 2025 Convertible Notes based on the effective interest method through the 2025 Maturity Date.

We accounted for the conversion feature of the 2025 Convertible Notes as a separate equity-classified instrument (“2025 Convertible Notes Embedded Derivative”). The carrying amount of the 2025 Convertible Notes conversion feature (the “2025 Convertible Notes Embedded Derivative”) is currently included under “Additional paid-in capital” in our consolidated balance sheets of September 30, 2020 and was initially calculated as $49.6 million ($39.1 million, net of tax). The 2025 Convertible Notes Embedded Derivative is expected to remain recorded in equity in our consolidated balance sheets as long as it continues to meet the criteria as an equity-classified instrument in subsequent reporting periods.

We incurred transaction costs of $5.5 million related to the issuance of the 2025 Convertible Notes, which we recorded as deferred financing costs and are included under “Long-term debt, net” and “Additional paid-in capital” in our consolidated balance sheets.

The effective interest rate for fiscal 2020 was approximately 9%. As of September 30, 2020, the remaining unamortized debt discount and issuance costs will be amortized through the 2025 Maturity Date assuming no early conversion.

As of September 30, 2020, the 2025 Convertible Notes were not convertible as no conditions of conversion had been met. Accordingly, the net balance of the 2025 Convertible Notes was classified as a non-current liability in our consolidated balance sheets as of September 30, 2020. The classification of the 2025 Convertible Notes as current or non-current in the consolidated balance sheets is evaluated at each balance sheet date and may change from time to time depending on whether any of the conversion conditions has been met.

If one of the conversion conditions is met in any future fiscal quarter, we will classify our net liability under the 2025 Convertible Notes as a current liability in the consolidated balance sheets as of the end of that fiscal quarter. If none of the conversion conditions have been met in a future fiscal quarter prior to the one-year period immediately preceding the 2025

Maturity Date, we will classify our net liability under the 2025 Convertible Notes as a non-current liability in the consolidated balance sheets as of the end of that fiscal quarter. If the note holders elect to convert their 2025 Convertible Notes prior to maturity, any unamortized discount and transaction costs will be recognized as expense at the time of conversion. If the entire outstanding principal amount had been converted on September 30, 2020, we would have recorded an expense associated with the conversion, comprised of $39.3 million of unamortized debt discount and issuance costs. As of September 30, 2020, none of the note holders had elected to convert their 2025 Convertible Notes. As of September 30, 2020, the if-converted value of the 2025 Convertible Notes did not exceed the principal amount.

2.875% Convertible Senior Notes Due 2024

In July 2017, we issued $143.75 million aggregate principal amount of 2.875% Convertible Senior Notes Due 2024 (the “2024 Convertible Notes”). All of the 2024 Convertible Notes were issued pursuant to an indenture dated July 5, 2017 (the “2017 Indenture”) by and between us and Wells Fargo Bank, National Association, as the trustee. Effective October 1, 2019, BB&T has assumed the duties and responsibilities as trustee under the 2017 Indenture.

The 2024 Convertible Notes were issued in a private offering and resold under Rule 144A under the Securities Act of 1933. The 2024 Convertible Notes pay interest semi-annually in arrears at a rate of 2.875% per annum on January 1 and July 1 of each year, commencing January 1, 2018, and will mature on July 1, 2024 (the “2024 Maturity Date”), unless converted, redeemed or repurchased in accordance with their terms prior to such date. At maturity, the holders of the 2024 Convertible Notes will be entitled to receive cash equal to the principal amount of the 2024 Convertible Notes plus unpaid accrued interest.

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

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

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

We measured the fair value of the liability component of the 2024 Convertible Notes under a discounted cash flow approach considering our synthetic credit rating, as determined with external consultation, including inputs that are not observable in the market. The fair value of the liability component was estimated by calculating the present value of the cash flows using discount rates slightly above 8% for a similarly structured liability with no conversion feature, maturing in seven years. Our estimate resulted in an initial carrying value of the liability component of the 2024 Convertible Notes of $102.7 million with an associated original issue discount of $41.0 million, exclusive of deferred financing costs, accreted to the face value of the 2024 Convertible Notes based on the effective interest method through the 2024 Maturity Date.

We accounted for the conversion feature of the 2024 Convertible Notes as a separate equity-classified instrument (the “2024 Convertible Notes Embedded Derivative”), initially recorded as $39.8 million ($25.3 million, net of tax), inclusive of deferred

financing costs, on the issuance date and included under “Additional paid-in capital” in our consolidated balance sheet, including an allocated portion of the deferred financing costs. The 2024 Convertible Notes Embedded Derivative is expected to remain recorded in equity in our consolidated balance sheets as long as it continues to meet the criteria as an equity-classified instrument in subsequent reporting periods. The carrying amount of the 2024 Convertible Notes Embedded Derivative included under “Additional paid-in capital” in our consolidated balance sheet of September 30, 2020 was $25.3 million.

We incurred transaction costs of $4.2 million related to the issuance of the 2024 Convertible Notes, which we recorded as deferred financing costs and are included under “Long-term debt, net” and “Additional paid-in capital” in our consolidated balance sheets. Deferred financing costs recorded under “Long-term debt, net” are being amortized to interest expense over the expected term of the 2024 Convertible Notes.

As of September 30, 2020, the 2024 Convertible Notes were not convertible as no conditions of conversion had been met. Accordingly, the net balance of the 2024 Convertible Notes was classified as a non-current liability in our consolidated balance sheets as of September 30, 2020. The classification of the 2024 Convertible Notes as current or non-current in the consolidated balance sheets is evaluated at each balance sheet date and may change from time to time depending on whether any of the conversion conditions has been met.

If one of the conversion conditions is met in any future fiscal quarter, we will classify our net liability under the 2024 Convertible Notes as a current liability in the consolidated balance sheets as of the end of that fiscal quarter. If none of the conversion conditions have been met in a future fiscal quarter prior to the one-year period immediately preceding the 2024 Maturity Date, we will classify our net liability under the 2024 Convertible Notes as a non-current liability in the consolidated balance sheets as of the end of that fiscal quarter. If the note holders elect to convert their 2024 Convertible Notes prior to maturity, any unamortized discount and transaction costs will be recognized as expense at the time of conversion. If the entire outstanding principal amount had been converted on September 30, 2020, we would have recorded an expense associated with the conversion, comprised of $26.6 million of unamortized debt discount and issuance costs. As of September 30, 2020, none of the note holders had elected to convert their 2024 Convertible Notes. As of September 30, 2020, the if-converted value of the 2024 Convertible Notes did not exceed the principal amount.

2.125% Cash Convertible Senior Notes Due 2019

In June 2014, we issued $200 million aggregate principal amount of 2.125% Cash Convertible Senior Notes Due 2019 (the “2019 Convertible Notes”), with an additional $30 million principal amount being issued in July 2014. In July 2017, we used $34.4 million of net proceeds from the 2024 Convertible Notes offering to repurchase and retire $35.0 million aggregate principal amount of 2019 Convertible Notes. The 2019 Convertible Notes paid interest semi-annually in arrears at a rate of 2.125% per annum on June 15 and December 15 of each year. The 2019 Convertible Notes matured on June 15, 2019 (the "2019 Maturity Date"), and the remaining $195.0 million aggregate principal amount outstanding plus accrued interest was repaid using cash on hand.

2019 Convertible Notes Warrants

In connection with the issuance of the 2019 Convertible Notes, we also sold net-share-settled warrants (the “2019 Convertible Notes Warrants”). The 2019 Convertible Notes Warrants allowed for the purchase of up to approximately 14.3 million shares of our Class A Common Stock at a strike price of $20.83 per share. We accounted for the Class A Common Stock issuable upon exercise under the treasury stock method. The 2019 Convertible Notes Warrants began to expire on a daily basis after we repaid the 2019 Convertible Notes and the last of the unexpired 2019 Convertible Notes Warrants expired in May 2020. As of September 30, 2020, there were no 2019 Convertible Notes Warrants outstanding, and no shares of Class A Common Stock were ever issued pursuant to the 2019 Convertible Notes Warrants.

CASHMAX Secured Borrowing Facility

In November 2018, we entered into a receivable's securitization facility with a third-party lender (the "lender") to provide funding for installment loan originations in our Canadian CASHMAX business. Under the facility, a variable interest entity (the "trust") had the right, subject to various conditions, to borrow up to CAD $25 million from the lender (the "third-party loan") and use the proceeds to purchase interests in installment loan receivables generated by CASHMAX.

The trust used collections on the transferred receivables to pay various amounts in accordance with an agreed priority arrangement, including expenses, its obligations under the third-party loan and, to the extent available, amounts owned to CASHMAX with respect to the purchase price of the transferred receivables and CASHMAX's retained interest in the

receivables. CASHMAX had no obligation with respect to the third-party loan or the transferred receivables except to (a) service the underlying installment loans on behalf of the trust and (b) pay amounts owed under or repurchase the underlying installment loans in the event of a breach by CASHMAX or in certain other limited circumstances. The facility was nonrecourse to EZCORP (subject to certain limited guaranty obligations), allowed borrowing through November 2019, and was to fully mature in November 2021. As part of the closure of the operations of our CASHMAX business, we terminated this facility in September 2020.

Common Stock and Stock Compensation

12 Months Ended

Sep. 30, 2020

Share-based Payment Arrangement [Abstract]

Common Stock and Stock Compensation

NOTE 10: COMMON STOCK AND STOCK COMPENSATION

Common Stock Repurchase Program

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

Stock Compensation

On May 1, 2010 our Board of Directors approved the adoption of the EZCORP, Inc. 2010 Long-Term Incentive Plan (the “LTI Plan”). The LTI Plan permits grants of options, restricted stock awards and stock appreciation rights covering up to 5,485,649 shares of our Class A Common Stock plus any shares that become available for issuance under either the LTI Plan or prior plans as a result of forfeitures or cancellations of awards without delivery of shares or as a result of withholding shares to satisfy tax withholding obligations. In December 2017 and November 2018, the Board of Directors and the voting stockholder approved the addition of 1,100,000 and 400,000 shares, respectively, to the LTI Plan.

The purpose of our LTI Plan is to retain the services of valued employees and directors and to incentivize such persons to make contributions to our company and motivate excellent performance. Under the LTI Plan, we grant awards of restricted stock or restricted stock units to employees and non-employee directors. Awards granted to employees are typically subject to performance and service conditions. Awards granted to non-employee directors are time-based awards subject only to service conditions. Awards are measured at the grant date fair value with compensation costs associated with the awards recognized over the requisite service period, usually the vesting period, on a straight-line basis.

In November 2019 and May 2020, we granted 222,912 and 12,346, respectively, shares of restricted stock to our non-employee directors with a grant date fair value of $4.89 and $5.24, respectively. These awards vested on September 30, 2020 and were subject only to service conditions.

In December 2017, we granted 1,308,533 restricted stock awards to employees and 84,250 restricted stock awards to non-employee directors with a grant date fair value of primarily $9.75 per share. The awards granted to non-employee directors vested on September 30, 2018 and were subject only to service conditions. For the awards granted to employees, 190,725 vested on September 30, 2018. In November 2020, the People and Compensation Committee of the Board of Directors determined that the performance targets for the remaining employee awards were partially achieved, and 446,983 of such awards will vest on December 14, 2020. In addition, 81,896 awards were canceled, resulting in a reversal of $0.80 million of previously recognized stock compensation expense.

In July 2019 and November 2018, we granted 61,138 and 971,615, respectively, restricted stock awards to employees with a grant date fair value of primarily $10.04 and $9.18 per share, respectively. In November 2020, the People and Compensation Committee determined that the performance targets for such awards were not probable of achievement. This resulted in the cancellation of 458,960 awards and the reversal of $2.9 million of previously recognized stock compensation expense.

In April and May 2019, we granted 60,088 restricted stock awards to our seven new non-employee directors with a grant date fair value of primarily $10.64 per share. In November 2018, we granted 59,812 restricted stock awards to our non-employee directors with a grant date fair value of $9.18 per share. The awards granted to non-employee directors vested on September 30, 2019 and were subject only to service conditions.

In November and December 2016 and April 2017, we granted 931,260 restricted stock awards to employees and 72,500 restricted stock awards to non-employee directors, each with a grant date fair value of approximately $9.60 per share. The awards granted to employees vested on September 30, 2019 and 463,467 shares were released. The awards granted to non-employee directors vested over two years, 50% on September 30, 2017 and 50% on September 30, 2018 and were subject only to service conditions.

As of September 30, 2020, the unamortized fair value, exclusive of forfeitures, of share awards to be amortized over their remaining vesting periods was approximately $1.2 million. The weighted-average period over which these costs will be amortized is approximately two years.

The following table presents amounts related to our stock compensation arrangements:


	Fiscal Year Ended September 30,
	2020		2019		2018

	(in thousands)
Share-based compensation costs	$	(5,094)	$	9,751	$	10,784
Income tax expense (benefit) on share-based compensation	420		(1,098)		(1,656)

The following table presents a summary of stock compensation activity:


	Shares	Weighted Average Grant Date Fair Value

Outstanding as of September 30, 2019	3,451,024	$	9.28
Granted	1,472,578	5.73
Vested and released (a)	(989,223)	8.67
Forfeited	(2,825,459)	8.59
Outstanding as of September 30, 2020	1,108,920	$	5.65

(a) 268,798 shares were withheld to satisfy related federal income tax withholding.

The following table presents a summary of the fair value of shares granted:


	Fiscal Year Ended September 30,
	2020		2019		2018

	(in millions except per share amounts)
Weighted average grant-date fair value per share granted (a)	$	5.73	$	9.29	$	9.75
Total grant date fair value of shares vested	$	5.1	$	11.8	$	2.3

(a) Awards with performance and time-based vesting provisions are generally valued based upon the underlying share price as of the issuance date.

Other

We have not declared or paid any dividends and currently do not anticipate paying any dividends in the immediate future. As described in Note 9, payment of a dividend requires an adjustment to the conversion rate of our Convertible Notes. Should we pay dividends in the future, our certificate of incorporation provides that cash dividends on common stock, when declared, must be declared and paid at the same per share amounts on both classes of stock. Any future determination to pay cash dividends will be at the discretion of our Board of Directors.

Income Taxes

12 Months Ended

Sep. 30, 2020

Income Tax Disclosure [Abstract]

Income Taxes

NOTE 11: INCOME TAXES

The following table presents the components of our income from continuing operations before income taxes, including inter-segment amounts:


	Fiscal Year Ended September 30,
	2020		2019		2018

	(in thousands)
Domestic*	$	(31,989)	$	(9,609)	$	28,645
Foreign	(38,106)		13,783		26,894
	$	(70,095)	$	4,174	$	55,539

* Includes the majority of our corporate administrative costs. See Note 14 for information pertaining to segment contribution.

The following table presents the significant components of the income tax provision:


	Fiscal Year Ended September 30,
	2020		2019		2018

	(in thousands)
Current:
Federal	$	(6,631)	$	431	$	(26)
State and foreign	10,544		704		9,288
	3,913		1,135		9,262
Deferred:
Federal*	(1,561)		(4,264)		9,498
State and foreign	(3,984)		5,535		(371)
	(5,545)		1,271		9,127
Total income tax (benefit) expense	$	(1,632)	$	2,406	$	18,389

* The year ended September 30, 2018 includes a $2.1 million charge resulting from the remeasurement of our domestic net deferred tax assets based on the new corporate income tax rate as a result of the Tax Cuts and Jobs Act(“the Act”), as well as $2.6 million charge resulting from recording a valuation allowance against foreign tax credit carryforwards that do not meet the “more likely than not” threshold to be utilized as a result of tax law changes included in the Act.

The following table presents a reconciliation of income taxes calculated at the statutory rate and the provision for income taxes:


	Fiscal Year Ended September 30,
	2020			2019			2018

	(in thousands)
Income tax (benefit) expense at the federal statutory rate	$	(14,720)		$	878		$	13,623
State taxes, net of federal benefit	951			184			1,265
Mexico inflation adjustment	(1,120)			(801)			(936)
Non-deductible items	772			2,088			2,214
Tax credits	—			(551)			(615)
Foreign rate differential	(1,671)			1,080			1,405
Change in valuation allowance	962			1,601			3,986
Stock compensation	598			(711)			—
Uncertain tax positions	2,849			(1,596)			(4,808)
Change in tax rate resulting from enactment of the Act	—			—			2,558
Non-deductible impairment	9,093			—			—
Other	654			234			(303)
Total income tax (benefit) expense	$	(1,632)		$	2,406		$	18,389
Effective tax rate	2		%	58		%	33		%

The following table shows significant components of our deferred tax assets and liabilities:


	September 30,
	2020		2019

	(in thousands)
Deferred tax assets:
Cash Converters International	$	15,049	$	14,616
Tax over book inventory	9,737		6,858
Accrued liabilities	8,924		4,518
Pawn service charges receivable	1,019		1,699
Stock compensation	1,565		2,758
Foreign tax credit	1,696		2,638
State and foreign net operating loss carryforwards	15,990		15,806
Book over tax depreciation	4,651		2,659
Other	4,350		2,159
Total deferred tax assets before valuation allowance	62,981		53,711
Valuation allowance	(18,524)		(18,094)
Net deferred tax assets	44,457		35,617
Deferred tax liabilities:
Tax over book amortization	22,444		19,042
Note receivable discount	12,257		15,416
Prepaid expenses	1,349		1,146
Total deferred tax liabilities	36,050		35,604
Net deferred tax asset	$	8,407	$	13

As of September 30, 2020, we had state net operating loss carryforwards of approximately $123.0 million, which begin to expire in 2021 if not utilized. We also had foreign net operating loss carryforwards of $42.0 million, which will expire between 2030 and 2038 if not utilized. Additionally, we have a $1.7 million foreign tax credit that will expire between 2024 to 2027 if not utilized.

Deferred tax assets and liabilities are recorded for the estimated tax impact of temporary differences between the tax basis and book basis of assets and liabilities. The Company has elected to account for the tax on Global Intangible Low-Taxed Income (“GILTI”) as a period cost and therefore has not recorded deferred taxes related to GILTI on its foreign subsidiaries. A valuation allowance is established against a deferred tax asset when it is more likely than not that the deferred tax asset will not be realized. Our valuation allowance has been established to offset certain state and foreign net operating loss carryforwards, capital loss carryforwards and foreign tax credit carryforwards that are not more likely than not to be utilized prior to expiration. The valuation allowance increased by $0.4 million in fiscal 2020, primarily due to the recording of a valuation allowance for losses generated during the year in certain foreign jurisdictions which we believe are not more likely than not to be utilized partially offset by a decrease for certain foreign tax credits for which we amended a tax return to take a deduction instead of a foreign tax credit thereby reversing the deferred tax asset and corresponding valuation allowance. We believe our results from future operations will generate sufficient taxable income in the appropriate jurisdictions such that it is more likely than not that the remaining deferred tax assets will be realized.

Deferred taxes are not provided for undistributed earnings of foreign subsidiaries of approximately $63.0 million which are intended to be reinvested outside of the U.S. Accordingly, no provision for foreign withholding taxes associated with a distribution of those earnings has been made. We estimate that, upon distribution of our share of these earnings, we would be subject to withholding taxes of approximately $3.5 million as of September 30, 2020. We provided deferred income taxes on all undistributed earnings from Cash Converters International.

The following table presents a rollforward of unrecognized tax benefits:


	Fiscal Year Ended September 30,
	2020		2019		2018

	(in thousands)
Beginning balance	$	1,435	$	3,091	$	6,530
Increase for tax positions taken during a prior period	1,401		—		963
Increase for tax positions taken during the current period	249		—		—
Decrease for tax positions as a result of the lapse of the statute of limitations	—		(1,656)		(4,402)
Ending balance	$	3,085	$	1,435	$	3,091

All of the above unrecognized tax benefits, if recognized, would impact our effective tax rate for the respective period of each ending balance. The Company recognizes accrued interest and penalties related to unrecognized tax benefits in income tax expense. During 2020, 2019, and 2018, the Company recognized income tax expense consisting of interest and penalties of $1.2 million, $0.2 million and $(0.3) million, respectively, due to the accrual of current year interest and penalties on existing positions offset by the reversal of previous accruals due to the lapse of the statute of limitations. The total amount of accrued interest and penalties was $1.5 million and $0.3 million in 2020 and 2019, respectively.

We are subject to U.S., Mexico, Canada, Guatemala, Honduras, El Salvador, Peru and the Netherlands income taxes as well as income taxes levied by various state and local jurisdictions. With few exceptions, we are no longer subject to examinations by tax authorities for years before the tax year ended September 30, 2014. We believe that adequate provisions have been made for any adjustments that may result from tax examinations.

- 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 + Details

Leases

12 Months Ended

Sep. 30, 2020

Leases [Abstract]

Leases

NOTE 12: LEASES

The weighted-average remaining lease term for operating leases as of September 30, 2020 was 5.2 years, which includes options to extend when it is reasonably certain that we will exercise the option. We used incremental borrowing rates that match the duration of the remaining lease terms of our operating leases on a fully collateralized basis upon adoption as of October 1, 2019 to initially measure our lease liability. The weighted average incremental borrowing rate used to measure the lease liability as of September 30, 2020 was 7.37%.

The details of our right-of-use asset and lease liability recognized upon adoption of ASC 842 was computed based on the consumer price index and foreign currency exchange rate as applicable then in effect and excluding executory costs on October 1, 2019, were as follows (in thousands):


Right-of-use asset	$	246,028
Straight-line rent accrual	(8,479)
Net lease right-of-use asset	$	237,549

Lease liability, current	$	45,272
Lease liability, non-current	200,756
Total lease liability	$	246,028

In connection with the preparation of our consolidated financial statements for the year ended September 30, 2020, we identified an error relating to certain leases on the adoption of ASC 842 at October 1, 2019. The error impacted the lease right-of-use asset and total lease liability, both of which were overstated by approximately $18.0 million on adoption. We concluded the impact on the interim financial statements during fiscal 2020 was immaterial and corrected the balances as of September 30, 2020. The income statement impact of this correction was immaterial.

The components of lease expense included in "Operations" and "Administrative" expense, based on the underlying lease use, in our consolidated statements of operations is as follows (in thousands):


	Fiscal Year Ended September 30,
	2020

Operating lease expense	$	62,925
Variable lease expense	11,846
Total lease expense	$	74,771

As of September 30, 2020, maturities of lease liabilities under ASC 842 by fiscal year were as follows (in thousands):


2021	$	66,079
2022	50,895
2023	39,076
2024	28,602
2025	19,877
Thereafter	41,639
Total lease liabilities	246,168
Less: Portion representing interest	43,386
Total net lease liabilities	202,782
Less: Current portion	49,742
Total long term net lease liabilities	$	153,040

In December 2014, we entered into a non-cancelable 13-year operating lease for our corporate offices, with rent payments beginning February 2016 and ending March 2029. Annual rent, net of square footage subsequently terminated as a result of negotiations with the landlord, escalate from $2.5 million at lease inception to $3.9 million in the terminal year of the lease.

The lease includes two five-year extension options at the end of the initial lease term. The estimated minimum future rental payments under the lease are approximately $38.1 million. During fiscal 2017 and 2016, we initiated subleases for a portion of our corporate operating office lease for estimated minimum future sublease payments of approximately $12.2 million. In addition to the above subleases, during fiscal 2018 we entered into an amendment to the operating lease surrendering another 15% of the initial leased premises. As a result, sublease payments were expected to fully offset our original operating lease obligations through August 2023, with renewal options available until the end of the master operating lease in March 2029.

During the second quarter of fiscal 2015, we entered into cancellable subleases for our Miami office for an estimated minimum future sublease payment of approximately $2.9 million. Sublease payments are expected to offset substantially all of our original operating lease obligations over the nine-year period beginning March 2015 and ending September 2024.

Prior to the adoption of ASC 842, future minimum undiscounted lease payments due under non-cancelable leases as of September 30, 2019 for each subsequent year were as follows (in thousands):


2020	$	69,291
2021	60,588
2022	46,720
2023	32,062
2024	19,969
Thereafter	39,256
	$	267,886

The following table presents the amount of net rent recognized as expense under ASC Topic 840 - Leases (in thousands):


	Fiscal Year Ended September 30,
	2019		2018

Gross rent expense from continuing operations	$	65,295	$	61,821
Sublease rent revenue from continuing operations	(35)		(109)
Net rent expense from continuing operations	$	65,260	$	61,712

As a result of the COVID-19 pandemic, we believe there was a significant adverse change in the business climate that impacted the office leasing market and a significant decrease in the market prices of an asset or asset group that affected the value of the right of use asset for our corporate office. We determined the undiscounted cash flows of the subleases did not exceed the net book value of the right of use asset. We then determined the discounted cash flows of the subleases did not exceed the book value of the right of use asset, and an impairment charge of $5.0 million was recorded in the fourth quarter of fiscal 2020 and is recorded under "Impairment of goodwill, intangible and other assets" in the Consolidated Statements of Operations.

We recorded $29.2 million in non-cash additions to our right of use assets and lease liabilities for the fiscal year ended September 30, 2020.

Contingencies	12 Months Ended
Contingencies	Sep. 30, 2020
Commitments and Contingencies Disclosure [Abstract]
Contingencies	NOTE 13: CONTINGENCIES Currently, and from time to time, we are involved in various claims, suits, investigations and legal proceedings. While we are unable to determine the ultimate outcome of any current litigation or regulatory actions, we do not believe the resolution of any particular matter will have a material adverse effect on our financial condition, results of operations or liquidity.

Segment Information

12 Months Ended

Sep. 30, 2020

Segment Reporting [Abstract]

Segment Information

NOTE 14: SEGMENT INFORMATION

During the first quarter of fiscal 2020, we revised the financial information our chief operating decision maker (our chief executive officer) reviews for operational decision-making purposes and for allocation of capital to include the separate financial results of our Lana business. Our historical segment results have been recast to conform to current presentation. We currently report segment information as follows:

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

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

•Lana — Our digital customer-centric engagement platform; and

•Other International — Primarily our equity interest in the net income of Cash Converters International.

There are no inter-segment revenues presented below, and the amounts below were determined in accordance with the same accounting principles used in our condensed consolidated financial statements. While we expect the operations of the Lana segment to have a positive impact on pawn loan redemption rates and therefore pawn service charges and yield, the pawn service charges will all be reported in our pawn segments rather than allocated to the Lana segment. Only discrete revenues related to the Lana segment will be reported in the Lana segment results. As a digital offering, Lana has no separate physical store locations.


	Fiscal Year Ended September 30, 2020
	U.S. Pawn		Latin America Pawn		Lana		Other International		Total Segments		Corporate Items		Consolidated

	(in thousands)
Revenues:
Merchandise sales	$	391,921	$	106,292	$	—	$	—	$	498,213	$	—	$	498,213
Jewelry scrapping sales	36,691		11,262		—		—		47,953		—		47,953
Pawn service charges	210,081		62,557		—		—		272,638		—		272,638
Other revenues	150		—		34		3,823		4,007		—		4,007
Total revenues	638,843		180,111		34		3,823		822,811		—		822,811
Merchandise cost of goods sold	251,544		82,937		—		—		334,481		—		334,481
Jewelry scrapping cost of goods sold	28,064		9,977		—		—		38,041		—		38,041
Other cost of revenues	—		101		—		953		1,054		—		1,054
Net revenues	359,235		87,096		34		2,870		449,235		—		449,235
Segment and corporate expenses (income):
Operations	261,608		69,916		4,270		5,246		341,040		—		341,040
Administrative	—		—		—		—		—		49,897		49,897
Impairment of goodwill, intangible and other assets	10,000		35,938		—		1,149		47,087		7,579		54,666
Depreciation and amortization	11,030		7,315		1,058		68		19,471		11,356		30,827
Loss (gain) on sale or disposal of assets and other	385		(72)		—		(20)		293		508		801
Other Charges	3,106		1,715		3,258		3,802		11,881		8,507		20,388
Interest expense	—		685		—		549		1,234		21,238		22,472
Interest income	—		(1,586)		—		—		(1,586)		(1,587)		(3,173)
Equity in net loss of unconsolidated affiliates	—		—		—		2,429		2,429		—		2,429
Other (income) expense	—		(156)		—		6		(150)		133		(17)
Segment contribution (loss)	$	73,106	$	(26,659)	$	(8,552)	$	(10,359)	$	27,536
Income (loss) from continuing operations before income taxes									$	27,536	$	(97,631)	$	(70,095)


	Fiscal Year Ended September 30, 2019
	U.S. Pawn		Latin America Pawn		Lana		Other International		Total Segments		Corporate Items		Consolidated

	(in thousands)
Revenues:
Merchandise sales	$	355,996	$	97,379	$	—	$	—	$	453,375	$	—	$	453,375
Jewelry scrapping sales	45,815		14,630		—		—		60,445		—		60,445
Pawn service charges	248,369		78,997		—		—		327,366		—		327,366
Other revenues	233		179		—		5,631		6,043		—		6,043
Total revenues	650,413		191,185		—		5,631		847,229		—		847,229
Merchandise cost of goods sold	225,136		72,372		—		—		297,508		—		297,508
Jewelry scrapping cost of goods sold	39,318		13,617		—		—		52,935		—		52,935
Other cost of revenues	—		—		—		2,338		2,338		—		2,338
Net revenues	385,959		105,196		—		3,293		494,448		—		494,448
Operating expenses (income):
Operations	269,003		74,199		7,675		7,376		358,253		—		358,253
Administrative	—		—		—		—		—		55,990		55,990
Impairment of goodwill, intangible and other assets	—		—		—		—		—		—		—
Depreciation and amortization	11,879		6,267		10		219		18,375		10,422		28,797
Loss on sale or disposal of assets	3,402		691		—		282		4,375		24		4,399
Interest expense	—		1,609		—		491		2,100		30,537		32,637
Interest income	—		(1,601)		—		—		(1,601)		(9,485)		(11,086)
Equity in net income of unconsolidated affiliates	—		—		—		135		135		—		135
Impairment of investment in unconsolidated affiliates	—		—		—		19,725		19,725		—		19,725
Other income	—		(93)		—		1,895		1,802		(378)		1,424
Segment contribution (loss)	$	101,675	$	24,124	$	(7,685)	$	(26,830)	$	91,284
Income from continuing operations before income taxes									$	91,284	$	(87,110)	$	4,174


	Fiscal Year Ended September 30, 2018
	U.S. Pawn		Latin America Pawn		Lana		Other International		Total Segments		Corporate Items		Consolidated

	(in thousands)
Revenues:
Merchandise sales	$	350,699	$	87,673	$	—	$	—	$	438,372	$	—	$	438,372
Jewelry scrapping sales	47,745		13,007		—		—		60,752		—		60,752
Pawn service charges	237,086		67,491		—		—		304,577		—		304,577
Other revenues	250		85		—		8,120		8,455		—		8,455
Total revenues	635,780		168,256		—		8,120		812,156		—		812,156
Merchandise cost of goods sold	216,408		60,210		—		—		276,618		—		276,618
Jewelry scrapping cost of goods sold	40,417		11,873		—		—		52,290		—		52,290
Other cost of revenues	—		—		—		1,697		1,697		—		1,697
Net revenues	378,955		96,173		—		6,423		481,551		—		481,551
Operating expenses (income):
Operations	263,094		61,553		—		10,194		334,841		—		334,841
Administrative	—		—		—		—		—		53,639		53,639
Impairment of goodwill and intangibles assets	—		—		—		—		—		—		—
Depreciation and amortization	12,869		4,068		—		184		17,121		8,363		25,484
Loss on sale or disposal of assets	203		27		—		—		230		233		463
Interest expense	71		25		—		—		96		27,738		27,834
Interest income	—		(2,619)		—		—		(2,619)		(14,422)		(17,041)
Equity in net income of unconsolidated affiliates	—		—		—		(5,529)		(5,529)		—		(5,529)
Impairment of investment in unconsolidated affiliates	—		—		—		11,712		11,712		—		11,712
Other income	(3)		(42)		—		(132)		(177)		(5,214)		(5,391)
Segment contribution	$	102,721	$	33,161	$	—	$	(10,006)	$	125,876
Income from continuing operations before income taxes									$	125,876	$	(70,337)	$	55,539

The following table presents separately identified segment assets:


	U.S. Pawn		Latin America Pawn		Lana		Other International		Corporate		Total

	(in thousands)
Assets as of September 30, 2020
Pawn loans	$	106,340	$	24,983	$	—	$	—	$	—	$	131,323
Pawn service charges receivable, net	17,931		2,649		—		—		—		20,580
Inventory, net	75,807		20,084		—		—		—		95,891
Total assets	690,157		191,827		4,528		34,118		276,393		1,197,023

Assets as of September 30, 2019
Pawn loans	$	157,408	$	41,650	$	—	$	—	$	—	199,058
Pawn service charges receivable, net	27,623		4,179		—		—		—		31,802
Inventory, net	142,266		37,089		—		—		—		179,355
Total assets	635,152		202,565		5,918		35,041		205,026		1,083,702

The net assets of our Latin America Pawn segment, exclusive of intercompany amounts and inclusive of certain other assets not separately identified above, were $194.8 million as of September 30, 2020.

The following tables provide geographic information:


	Fiscal Year Ended September 30,
	2020		2019		2018

	(in thousands)
Revenues:
United States	$	638,844	$	650,413	$	635,780
Mexico	131,965		138,897		122,702
Other Latin America	48,146		52,288		45,554
Lana	34		—		—
Canada and other	3,822		5,631		8,120
Total revenues	$	822,811	$	847,229	$	812,156


	September 30,
	2020		2019

	(in thousands)
Long-lived tangible assets:
United States	$	36,361	$	43,274
Mexico	15,141		18,566
Other Latin America	5,484		5,432
Canada and other	—		85
Total long-lived assets	$	56,986	$	67,357

- Definition

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

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 31
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8924-108599

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
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-Paragraph 34
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8981-108599

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
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-Paragraph 21
-Subparagraph (a)
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Reference 4: http://www.xbrl.org/2003/role/disclosureRef
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Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
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-Paragraph 32
-Subparagraph (f)
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8933-108599

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
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-Subparagraph (e)
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Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
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Reference 8: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
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Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
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-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8933-108599

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
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-Name Accounting Standards Codification
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-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8736-108599

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
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Reference 12: http://www.xbrl.org/2003/role/disclosureRef
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Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
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-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8721-108599

Reference 14: http://www.xbrl.org/2003/role/disclosureRef
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+ Details

Supplemental Consolidated Financial Information

12 Months Ended

Sep. 30, 2020

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Supplemental Consolidated Financial Information

NOTE 15: SUPPLEMENTAL CONSOLIDATED FINANCIAL INFORMATION

Supplemental Consolidated Financial Information

The following table provides information on net amounts included in our consolidated balance sheets and consolidated statements of cash flows:


	September 30,
	2020		2019
	(in thousands)
Gross pawn service charges receivable	$	27,259	$	41,838
Allowance for uncollectible pawn service charges receivable	(6,679)		(10,036)
Pawn service charges receivable, net	$	20,580	$	31,802

Gross inventory	$	108,205	$	189,092
Inventory reserves	(12,314)		(9,737)
Inventory, net	$	95,891	$	179,355

Prepaid expenses and other	$	10,614	$	4,784
Accounts receivable and other	6,991		10,889
Income taxes prepaid and receivable	15,298		10,248
Prepaid expenses and other current assets	$	32,903	$	25,921

Accounts payable	$	19,114	$	25,946
Accrued payroll	12,993		6,149
Bonus accrual	4,895		9,901
Other payroll related expenses	9,071		5,040
Accrued interest	2,793		2,793
Accrued rent and property taxes	6,545		11,702
Accrued sales and VAT taxes	9,291		10,680
Deferred revenues	2,986		2,929
Other accrued expenses	3,173		2,510
Income taxes payable	643		307
Account payable, accrued expenses and other current liabilities	$	71,504	$	77,957

Unrecognized tax benefits, non-current	$	4,214	$	1,362
Other long-term liabilities	6,635		5,940
Other long-term liabilities	$	10,849	$	7,302

Valuation and Qualifying Accounts

The following table provides information on our valuation and qualifying accounts not disclosed elsewhere:


			Additions
Description	Balance at Beginning of Period		Charged to Expense		Charged to Revenue		Deductions		Balance at End of Period

	(in thousands)
Allowance for valuation of inventory:
Year Ended September 30, 2020	$	9,737	$	2,577	$	—	$	—	$	12,314
Year Ended September 30, 2019	9,201		536		—		—		9,737
Year Ended September 30, 2018	6,801		2,400		—		—		9,201
Allowance for uncollectible pawn service charges receivable:
Year Ended September 30, 2020	$	10,036	$	—	—		$	3,357	$	6,679
Year Ended September 30, 2019	9,760		—		276		—		10,036
Year Ended September 30, 2018	9,129		—		631		—		9,760
Allowance for uncollectible consumer loan fees and interest receivable:
Year Ended September 30, 2020	$	540	$	—	$	—	540		$	—
Year Ended September 30, 2019	331		—		209		—		540
Year Ended September 30, 2018	283		—		48		—		331
Allowance for valuation of deferred tax assets:
Year Ended September 30, 2020	$	18,094	$	430	$	—	$	—	$	18,524
Year Ended September 30, 2019	20,254		—		—		2,160		18,094
Year Ended September 30, 2018	17,860		2,394		—		—		20,254

Quarterly Information (Unaudited)

12 Months Ended

Sep. 30, 2020

Quarterly Financial Information Disclosure [Abstract]

Quarterly Information (Unaudited)

NOTE 16: QUARTERLY INFORMATION (UNAUDITED)


	First Quarter		Second Quarter		Third Quarter		Fourth Quarter

	(in thousands, except per share amounts)
Year Ended September 30, 2020
Total revenues	$	222,435	$	223,283	$	210,233	$	166,860
Net revenues	130,069		127,365		102,184		89,617
Net income (loss)	1,238		(40,874)		(5,487)		(23,340)
Basic earnings (loss) per share	$	0.02	$	(0.74)	$	(0.10)	$	(0.42)
Diluted earnings (loss) per share	$	0.02	$	(0.74)	$	(0.10)	$	(0.42)


	First Quarter		Second Quarter		Third Quarter		Fourth Quarter

	(in thousands, except per share amounts)
Year Ended September 30, 2019
Total revenues	$	215,695	$	214,730	$	202,465	$	214,339
Net revenues	130,049		127,690		115,853		120,856
(Loss) income from continuing operations, net of tax	(3,660)		2,659		3,361		(592)
(Loss) income from discontinued operations, net of tax	(183)		(18)		(203)		(53)
Net (loss) income	(3,843)		2,641		3,158		(645)
Net (loss) income attributable to noncontrolling interest	(477)		(753)		—		—
Net (loss) income attributable to EZCORP, Inc.	$	(3,366)	$	3,394	$	3,158	$	(645)

Basic earnings per share attributable to EZCORP, Inc.:	$	(0.06)	$	0.06	$	0.06	$	(0.01)
Diluted earnings per share attributable to EZCORP, Inc.:	$	(0.06)	$	0.06	$	0.06	$	(0.01)

Organization and Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Sep. 30, 2020
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Basis of Presentation and Principles of Consolidation	Basis of Presentation and Principles of Consolidation The accompanying consolidated financial statements have been prepared in accordance with generally accepted accounting principles and are expressed in U.S. dollars. They include the accounts of EZCORP, Inc., and its wholly-owned subsidiaries. We use the equity method of accounting for entities in which we have a 50% or less investment and exercise significant influence. We account for equity investments for which we do not have significant influence and without readily determinable fair values at cost with adjustments for observable changes in price in orderly transactions for identical or similar investments of the same issuer or impairments. All inter-company accounts and transactions have been eliminated in consolidation. We have reclassified certain amounts in prior-period financial statements to conform to the current period’s presentation.
Use of Estimates and Assumptions	Use of Estimates and Assumptions The preparation of these financial statements requires management to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenues and expenses and related disclosure of contingent assets and liabilities. We regularly evaluate estimates and judgments, including those related to revenue recognition, inventory, loan loss allowances, long-lived and intangible assets, share-based compensation, income taxes, contingencies and litigation. We base our estimates on historical experience, observable trends and various other assumptions that we believe are reasonable, the results of which form the basis for making judgements about the carrying values of assets and liabilities and the accrual of costs and expenses that are not readily apparent from other sources. Actual results may differ materially from the estimates under different assumptions or conditions.
Pawn Loans and Sales Revenue Recognition	Pawn Loans and Revenue Recognition The carrying value of our pawn loans is based on the initial amounts loaned to customers, which are fully collateralized. We record pawn service charges using the effective interest method over the life of the loan for all pawn loans we believe to be collectible. We base our estimate of collectible loans on several inputs, including recent redemption rates, historical trends in redemption rates and the amount of loans due in the following months. Unexpected variations in any of these factors could change our estimate of collectible loans, affecting our results of operations 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 net realizable value of the item. Of our consolidated pawn loans outstanding balance of $131.3 million as of September 30, 2020, $51.9 million (40%) is attributable to stores in Texas and $14.8 million (11%) is attributable to stores in Florida. Merchandise Sales Revenue Recognition Our performance obligations for merchandise sales primarily relate to point in time retail sales in our stores. We recognize the satisfaction of the performance obligation and record merchandise sales revenue and the related cost when merchandise inventory is sold and delivered to the customer or, in the case of a layaway sale, when we receive the final payment. Customers have a limited period of time to return merchandise for a refund or exchange, and actual returns for refunds are not material. Sales tax collected on the sale of inventory is excluded from the amount recognized as sales and is recorded as a liability in “Accounts payable, accrued expenses and other current liabilities” in our consolidated balance sheets until remitted to the appropriate governmental authorities. We recognize the satisfaction of the performance obligation and record scrapping (precious metals and stones) sales revenue and the related cost when scrap inventory is legally transferred to the refiner and the refiner obtains control of the inventory. The receivables outstanding at the end of a given reporting period are not material. Payment of the receivable from the customer is generally received within a short period of time after the legal transfer of the scrap materials to the refiner. Our transaction prices are explicitly stated within the contracts with our customers.
Inventory and Cost of Goods Sold	Inventory and Cost of Goods Sold If a pawn loan is not redeemed, we record the forfeited collateral at cost (the principal amount of the pawn loan) in "Inventory, net" in our consolidated balance sheets. We do not record loan loss allowances or charge-offs on the principal portion of pawn loans, as they are fully collateralized. We record our inventory using the specific identification method of accounting. In order to state inventory at the lower of cost or net realizable value, we record an allowance for excess, obsolete or slow-moving inventory based on the type and age of merchandise. Our inventory consists primarily of general merchandise and jewelry. Our "Merchandise cost of goods sold" includes the historical cost of inventory sold, inventory shrinkage and any change in the allowance for inventory shrinkage and valuation. We include the cost of operating our central jewelry processing unit under “Jewelry scrapping cost of goods sold,” as it relates directly to sales of precious metals to refiners. We consider our estimates of obsolete or slow-moving inventory and shrinkage critical estimates in determining the appropriate overall valuation allowance for inventory. We monitor our sales margins for each type of inventory on an ongoing basis and compare to historical margins. Significant variances in those margins may require a revision to future inventory reserve estimates. We monitor our reserve estimates pertaining to jewelry inventory depending on the current and projected prices of gold. Future declines in the value of gold prices may cause an increase in reserve rates pertaining to jewelry inventory. Situations that may result in excess or obsolete inventory include changes in business and economic conditions, changes in consumer confidence caused by changes in market conditions ,decreases in demand for our products or inventory obsolescence resulting from changes in technology. During fiscal 2020, we took a charge of $2.6 million to merchandise cost of sales for inventory provisions primarily related to the write-off of excess and obsolete inventory due to the impact of COVID-19. With respect to our Mexico pawn operations, we do not own the forfeited collateral; however, we assume the risk of loss on such collateral and are solely responsible for its care and disposition and, therefore, record such collateral under “Inventory, net” in our consolidated balance sheets. The amount of inventory from our Mexico pawn operations classified as “Inventory, net” in our consolidated balance sheets was $12.9 million and $26.9 million as of September 30, 2020 and 2019, respectively.
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 with original contractual maturities of three months or less, or money market mutual funds. 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 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. Restricted Cash Restricted cash consists of $8.0 million held in escrow pending resolution of a pre-closing tax indemnity claim related to the sale of Grupo Finmart.
Equity Method Investments	Equity Method Investments We account for our investment in Cash Converters International and RDC under the equity method. Since Cash Converters International’s fiscal year ends three months prior to ours, we report the income from this investment on a three-month lag. Thus, income reported for fiscal years ended September 30, 2020, 2019 and 2018 represents our percentage interest in the results of Cash Converters International’s operations for the twelve-month periods ended June 30, 2020, 2019 and 2018, respectively. Because Cash Converters International publicly files semi-annual financial reports with the Australian Securities & Investments Commission as of and for the periods ended June 30 and December 31, we make estimates for our equity in Cash Converters International’s net income (loss) for the three-month periods ended March 31 (our reporting period ended June 30) and September 30 (our reporting period ended December 31). Those estimates may vary from actual results. We adjust our estimates as necessary in our reporting periods ended March 31 and September 30 to conform to Cash Converters International actual results as shown in their published semi-annual reports. We measure and record all other-than-temporary impairments as of the date of our reporting period.
Leases	Leases We enter into operating lease agreements for real estate related to pawn locations and corporate offices. We determine if an arrangement contains a lease at inception by determining whether there is an identified asset and whether the arrangement conveys the right to control the use of the identified asset. Operating lease liabilities are recognized at the lease commencement date based on the present value of fixed lease payments using the Company’s incremental borrowing rate. As our leases generally do not include an implicit rate, we compute our incremental borrowing rate based on information available at the lease commencement date applying the portfolio approach to groups of leases with similar characteristics. Right-of-use operating assets are recognized based on the initial present value of fixed lease payments over the lease term. Our lease terms include options to extend the lease when it is reasonably certain we will exercise its option. We used incremental borrowing rates that match the duration of the remaining lease terms of our operating leases on a fully collateralized basis upon adoption as of October 1, 2019 to initially measure our lease liability. We evaluate renewal options periodically for any changes in assumptions. Effective October 1, 2019, we adopted ASC Topic 842: Leases (“ASC 842”). Upon adoption, we elected to utilize the modified retrospective method, including not to account for lease and non-lease components separately. Lease components generally include rent, taxes and insurance, and non-lease components generally include common area maintenance. Right-of-use assets are tested for impairment in the same manner as long-lived assets. Under ASC 842, lease expense is recognized on a straight-line basis over the lease term with variable lease expense recognized in the period in which the costs are incurred. Our lease portfolio consists of pawn locations and corporate offices with leases terms ranging from three to ten years, including options to renew. We generally account for the initial lease term of our pawn locations as up to ten years. Our primary corporate office is leased through March 2029 with escalating rent payments annually and includes two five-year extension options at the end of the initial lease term.
Definite-lived Intangible Assets	Definite-lived Intangible Assets Goodwill and indefinite-lived intangible assets are not subject to amortization. We test goodwill and indefinite-lived intangible assets for impairment annually as of September 30, or more frequently if an event occurs or circumstances change that could indicate a potential impairment. We compare the fair value of our reporting units with their carrying amount and recognize an impairment charge for the amount by which the carrying amount exceeds the reporting unit’s fair value, without exceeding the total amount of goodwill allocated to that reporting unit. We perform our impairment analyses utilizing the income approach. This approach uses estimated future cash flows and terminal values for each of our reporting units (discounted using a market participant perspective) to determine the fair value of each reporting unit, which is then compared to the carrying value of the reporting unit to determine if there is an impairment. We have determined that our reporting units are equivalent to our operating segments for fiscal 2020. The income approach includes assumptions about revenue growth rates, operating margins and terminal growth rates discounted by an estimated weighted-average cost of capital derived from other publicly traded companies that are similar but not identical from an operational and economic standpoint. We use discount rates that are commensurate with the risks and uncertainties inherent in the respective businesses and in our internally developed forecasts. Discount rates used in fiscal 2020 for the goodwill impairment analysis ranged from 11% to 19%. In testing other indefinite-lived intangible assets for potential impairment, we apply key assumptions that are consistent with those utilized in our goodwill impairment test. We may perform a qualitative assessment in making our determination of whether it is more likely than not goodwill and other indefinite-lived intangible assets are impaired in future reporting periods. In addition to the assumptions discussed above pertaining to the income approach, we consider the assessment of potential triggering events to be a critical estimate.
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 two to seven 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.
Valuation of Long-Lived Assets	Valuation of Long-Lived Assets The carrying values of long-lived assets, inclusive of right of use (ROU) assets, are periodically reviewed whenever events or changes in circumstances indicate that the carrying value may not be recoverable, such as historical operating losses or plans to close stores before the end of their previously estimated useful lives. A potential impairment has occurred if projected future undiscounted cash flows are less than the carrying value of the assets. The estimate of cash flows includes management's assumptions of cash inflows and outflows directly resulting from the use of those assets in operations. In addition to the assumptions associated with the determination of projected future cash flows, we consider the assessment of potential triggering events to be a critical estimate. When a potential impairment has occurred, an impairment write-down is recorded if the carrying value of the long-lived asset exceeds its fair value.
Software Development Costs and Cloud Computing Arrangements	Software Development Costs and Cloud Computing Arrangements We capitalize certain costs incurred in connection with developing or obtaining software for internal use and amortize the costs on a straight-line basis over the estimated useful lives of the software, typically five years. Net capitalized development costs are included in “Capital expenditures, net” in our consolidated statements of cash flows. In evaluating whether our cloud computing arrangements include a software license, we consider whether we have the contractual right to take possession of the software at any time during the hosting period without significant penalty and whether it is feasible for us to either run the software on our own hardware or contract with another party unrelated to the vendor to host the software. If a cloud computing arrangement includes a software license, we account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, we account for the arrangement as a service contract.
Business Combinations	Business Combinations We allocate the total acquisition price to the fair value of assets and liabilities acquired under the acquisition method with goodwill representing the excess of purchase price over the fair value of net assets acquired. We expense transaction costs as incurred. We recognize any adjustments to provisional amounts and goodwill that are identified during the measurement period in the reporting period in which the adjustment amounts are determined, with the effect on current period earnings of changes in depreciation, amortization or other income effects, if any, as a result of the change to the provisional amounts, calculated as if the accounting had been completed at the acquisition date.
Convertible Debt Securities	Convertible Debt Securities In accounting for our convertible debt securities at issuance, we separated the securities into debt and equity components pursuant to the accounting standards for convertible debt instruments that may be fully or partially settled in cash upon conversion. The carrying value of the liability components was calculated by measuring the fair value of similar liabilities that do not have an associated conversion feature, including discount rates of approximately 8%. The excess of the principal amount over the fair value of the liability component was recorded as a discount with a corresponding increase in additional paid-in capital. The debt discounts will be accreted to “Interest expense” over the respective terms of the convertible debt securities using the effective interest method. The amount recorded to “Additional paid-in capital” will not be remeasured as long as they continue to meet the conditions for equity classification. We account for the conversion premium of the convertible debt securities under the treasury method in accordance with our accounting policy, which assumes settlement of the conversion premium (equal to the as-converted value over the face principal amount) in shares of our Class A Common Stock.
Foreign Currency	Foreign Currency Our foreign subsidiaries use the local currency of their respective countries as their functional currency. Assets and liabilities of our foreign subsidiaries' balance sheet accounts and our equity method investments are translated from their respective functional currencies into United States dollars at the exchange rate at the end of each quarter, and their earnings are translated into United States dollars at the average exchange rate each quarter. We present resulting translation adjustments as a separate component of stockholders’ equity. Foreign currency transaction gains and losses not accounted for as translations are included in “Other expense (income)” in our consolidated statements of operations.
Operations Expense	Operations ExpenseIncluded in “Operations” expense are costs related to operating our stores and any direct costs of support offices. These costs include labor, other direct expenses such as utilities, supplies and banking fees and indirect expenses such as store rent, building repairs and maintenance, advertising, store property taxes and insurance and regional and area management expenses
Administrative Expense	Administrative Expense Included in “Administrative” expense are costs related to our executive and administrative offices. This includes executive and administrative salaries, wages, stock and incentive compensation, professional fees, license fees, costs related to the operation of our administrative offices such as rent, property taxes, insurance, information technology and other corporate costs.
Advertising	AdvertisingAdvertising costs are expensed as incurred and included primarily under “Operations” expense in our consolidated statements of operations.
Stock Compensation	Stock Compensation We measure share-based compensation expense at the grant date based on the price of underlying shares at that date and recognize it as expense, net of estimated forfeitures, ratably over the vesting or service period, as applicable, of the stock award. Our policy is to recognize expense on performance-based awards, where satisfaction of the performance condition is probable, ratably over the awards’ vesting period and recognize expense on awards that only have service requirements on a straight-line basis.
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. We consider the earnings of certain non-U.S. subsidiaries to be indefinitely invested outside the United States on the basis of estimates that future domestic cash generation will be sufficient to meet future domestic cash needs and our specific plans for reinvestment of those subsidiary earnings. We have not recorded a deferred tax liability related to the U.S. federal and state income taxes and foreign withholding taxes of our undistributed earnings of foreign subsidiaries indefinitely invested outside the U.S. We may be subject to income tax audits by the respective tax authorities in any or all of the jurisdictions in which we operate or have operated within a relevant period. Significant judgment is required in determining uncertain tax positions. We utilize the required two-step approach to recognize and measure uncertain tax positions. The first step is to evaluate the tax position for recognition by determining if the weight of available evidence indicates it is more likely than not that the position will be sustained on audit, including resolution of related appeals or litigation processes. The second step is to measure the tax benefit as the largest amount that is more than 50% likely to be realized upon ultimate settlement. We consider many factors when evaluating and estimating our tax positions and tax benefits, which may require periodic adjustments, and which may not accurately forecast actual outcomes. We adjust these reserves in light of changing facts and circumstances, such as the closing of an audit or the refinement of an estimate. Changes in recognition or measurement are reflected in the period in which the change in judgment occurs. We believe adequate provisions for income taxes have been made for all periods. We recognize interest and penalties related to unrecognized tax benefits as “Income tax expense” in our consolidated statements of operations. We consider our assessment of the recognition of deferred tax assets as well as estimates of uncertain tax positions to be critical estimates.
Earnings per Share and Common Stock	Earnings per Share and Common Stock We compute basic earnings per share based on the weighted average number of shares of common stock outstanding during the period. We compute diluted earnings per share based on the weighted average number of shares of common stock plus the effect of dilutive potential common shares outstanding, including conversion features embedded in our outstanding convertible debt, during the period using the treasury stock method. Dilutive potential common shares include outstanding restricted stock awards as well as shares issuable on conversion of our outstanding convertible debt securities and exercise of outstanding warrants. Potential common shares are required to be excluded from the computation of diluted earnings per share if the assumed proceeds upon exercise or vest 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. There were no participating securities outstanding during fiscal 2020, 2019 and 2018 requiring the application of the two-class method. When we are in a loss position for the period, dilutive securities are excluded from the calculation of earnings per share, as they would have an anti-dilutive effect. Our capital stock consists of two classes of common stock designated as Class A Non-Voting Common Stock (“Class A Common Stock”) and Class B Voting Common Stock (“Class B Common Stock”). The rights, preferences and privileges of the Class A and Class B Common Stock are similar except that each share of Class B Common Stock has one vote and each share of Class A Common Stock has no voting privileges, except as required by law. All Class A Common Stock is publicly held. Holders of Class B Common Stock may, individually or as a class, convert some or all of their shares into Class A Common Stock on a one-to-one basis. Class A Common Stock becomes voting common stock upon the conversion of all Class B Common Stock to Class A Common Stock. We are required to reserve the number of authorized but unissued shares of Class A Common Stock that would be issuable upon conversion of all outstanding shares of Class B Common Stock.
Recently Adopted Accounting Policies and Recently Issued Accounting Pronouncements	Recently Adopted Accounting Policies In March 2020, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2020-04, Reference Rate Reform (Topic 848) — Facilitation of the Effects of Reference Rate Reform on Financial Reporting. ASU 2020-04 provides optional expedients and exceptions for applying GAAP to contracts, hedging relationships and other transactions that reference LIBOR or another reference rate. ASU 2020-04 is effective upon issuance through December 31, 2022. This ASU has not had a significant impact on our consolidated financial statements and related disclosures to date. We will continue to assess the applicability to any future arrangements. Effective October 1, 2019, we adopted ASC - Leases (Topic 842) which requires companies to recognize operating and financing lease liabilities and corresponding right-of-use assets on the balance sheet using the modified retrospective method provided under ASU 2018-11, Leases- (Topic 842): Targeted Improvements. Additionally, we elected the package of practical expedients under Accounting Standards Codification ("ASC") 842 as well as the transition guidance elections to not separate lease and non-lease components for leases under ASC 842. Further, we have elected an accounting policy to not record right-of-use assets and lease liabilities for leases that have a duration of 12 months or less. See Note 12 for additional discussion. Recently Issued Accounting Pronouncements In August 2020, the FASB issued its Accounting Standards Update (“ASU”) 2020-06, Debt – Debt with Conversion and Other Options (Subtopic 470-20) and Derivatives and Hedging – Contracts in Entity’s Own Equity (Subtopic 815 – 40), (“ASU 2020-06”). ASU 2020-06 simplifies the accounting for certain financial instruments with characteristics of liabilities and equity, including convertible instruments and contracts on an entity’s own equity. The ASU 2020-06 amendments are effective for fiscal years beginning after December 15, 2021, and interim periods within those fiscal years. Early adoption is permitted, but no earlier than fiscal years beginning after December 15, 2020, including interim periods within those fiscal years. We are assessing the amendments in ASU 2020-06 to determine the impact on our consolidated financial statements and related disclosures. In June 2016, the FASB issued ASU 2016-13, Financial Instruments — Credit Losses (Topic 326) (ASU 2016-13). ASU 2016-13 modifies the measurement of expected credit losses of certain financial instruments, requiring entities to estimate an expected lifetime credit loss on financial assets. The ASU amends the impairment model to utilize an expected loss methodology and replaces the incurred loss methodology for financial instruments including trade receivables. The amendment requires entities to consider other factors, such as economic conditions and future economic conditions. A reporting entity should generally apply the amendment on a modified retrospective basis through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting period in which the amendment is effective. We are still assessing the amendments in ASU 2016-13 and do not expect the amendments will have a significant impact on our consolidated financial statements and related disclosures. ASU 2016-13 is effective for the first quarter of fiscal 2021

Other Charges (Tables)

12 Months Ended

Sep. 30, 2020

Restructuring and Related Activities [Abstract]

Schedule of Restructuring Reserve by Type of Cost


(in millions)		Accrued Charges at September 30, 2019		Charges and Adjustments		Payments and Adjustments		Accrued Charges at September 30, 2020
Cash charges:
	Labor reduction costs	$	—	$	6.4	$	0.5	$	5.9
	CASHMAX shutdown costs	—		1.8		1.0		0.8
	Store closure costs	—		1.8		—		1.8
	Other	—		2.5		0.3		2.2
		$	—	$	12.5	$	1.8	$	10.7
Non-cash charges:
	Labor reduction costs			$	—
	CASHMAX shutdown costs			3.1
	Store closure costs			2.3
	Other			2.5
				$	20.4

Acquisitions (Tables)

12 Months Ended

Sep. 30, 2020

Business Combinations [Abstract]

Schedule of purchase price allocation

The allocation of the consideration for the acquired net assets from our fiscal 2018 acquisitions was as follows:


	GPMX		All Other

	(in thousands)
Cash and cash equivalents	$	2,560	$	—
Earning assets	17,247		8,347
Other assets	2,145		3,737
Property and equipment, intangible assets, deferred taxes and other assets, net*	11,671		13,678
Goodwill	34,816		7,770
Accounts payable, deferred taxes and other liabilities	(6,723)		1,621
Total consideration	$	61,716	$	35,153

* As September 30, 2018 intangible assets consist primarily of $9.8 million and $6.6 million in trade names acquired with indefinite useful lives, for GPMX and All Other, respectively.

Schedule of pro forma information

It is impracticable to provide historical supplemental pro forma financial information for GPMX and All Other acquisitions due to a variety of factors, including complexity of restructured entities acquired and access to historical information, such as information necessary to eliminate intercompany transactions.


	Fiscal Year Ended September 30, 2018
	Revenue		Net Income


GPMX	$	46.5	$	8.0
All Other	7.5		1.3

(Loss) Earnings Per Share (Tables)

12 Months Ended

Sep. 30, 2020

Earnings Per Share [Abstract]

Net components of basic and diluted earnings per share

Components of basic and diluted (loss) earnings per share and excluded antidilutive potential common shares are as follows:


	Fiscal Year Ended September 30,
	2020		2019		2018

	(in thousands, except per share amounts)
Net (loss) income from continuing operations attributable to EZCORP (A)	$	(68,463)	$	2,998	$	38,138
Loss from discontinued operations, net of tax (B)	—		(457)		(856)
Net (loss) income attributable to EZCORP (C)	$	(68,463)	$	2,541	$	37,282

Weighted average outstanding shares of common stock (D)	55,313		55,341		54,456
Dilutive effect of restricted stock and 2024 Convertible Notes*	—		643		3,440
Weighted average common stock and common stock equivalents (E)	$	55,313	$	55,984	$	57,896

Basic (loss) earnings per share attributable to EZCORP:
Continuing operations (A/E)	$	(1.24)	$	0.05	$	0.70
Discontinued operations (B / D)	—		(0.01)		(0.02)
	$	(1.24)	$	0.04	$	0.68

Diluted (loss) earnings per share attributable to EZCORP:
Continuing operations (A / E)	$	(1.24)	$	0.05	$	0.66
Discontinued operations (B / E)	—		(0.01)		(0.02)
Diluted (loss) earnings per share (C / E)	$	(1.24)	$	0.04	$	0.64

Potential common shares excluded from the calculation of diluted earnings per share above*:
Restricted stock**	2,786		2,121		2,218

Strategic Investments (Tables)

12 Months Ended

Sep. 30, 2020

Equity Method Investments and Joint Ventures [Abstract]

Schedule of equity method investments


	June 30,
	2020		2019

	(in thousands)
Current assets	$	157,183	$	173,826
Non-current assets	172,833		152,483
Total assets	$	330,016	$	326,309

Current liabilities	$	68,028	$	77,434
Non-current liabilities	51,275		26,163
Shareholders’ equity	210,713		222,712
Total liabilities and shareholders’ equity	$	330,016	$	326,309


	Fiscal Year Ended June 30,
	2020		2019		2018
	(in thousands)
Gross revenues	$	187,025	$	201,365	$	201,800
Gross profit	112,511		111,932		128,366
Net (loss) profit	(7,032)		(1,210)		17,443

Fair Value Measurements (Tables)

12 Months Ended

Sep. 30, 2020

Fair Value Disclosures [Abstract]

Financial assets and liabilities not measured at fair value in the consolidated balance sheet

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


	Carrying Value		Estimated Fair Value
	September 30, 2020		September 30, 2020		Fair Value Measurement Using
					Level 1		Level 2		Level 3
	(in thousands)
Financial assets:
2.89% promissory note receivable due April 2024	$	1,148	$	1,148	$	—	$	—	$	1,148
Investments in unconsolidated affiliates	32,458		32,597		24,833		—		7,764
Financial liabilities:
2024 Convertible Notes	$	117,193	$	129,979	$	—	$	129,979	$	—
2025 Convertible Notes	133,164		137,569		—		137,569		—
8.5% unsecured debt due 2024	872		872		—		—		872


	Carrying Value		Estimated Fair Value
	September 30, 2019		September 30, 2019		Fair Value Measurement Using
					Level 1		Level 2		Level 3

	(in thousands)
Financial assets:
Notes receivable from Grupo Finmart, net	$	7,182	$	7,582	$	—	$	—	$	7,582
2.89% promissory note receivable due April 2024	1,117		1,117		—		—		1,117
Investments in unconsolidated affiliates	34,516		28,308		20,252		—		8,056
Financial liabilities:
2024 Convertible Notes	$	111,311	$	139,969	$	—	$	139,969	$	—
2025 Convertible Notes	126,210		138,345		—		138,345		—
8.5% unsecured debt due 2024	1,092		1,092		—		—		1,092
CASHMAX secured borrowing facility	634		634		—		—		634

Property and Equipment (Tables)

12 Months Ended

Sep. 30, 2020

Property, Plant and Equipment [Abstract]

Major classifications of property and equipment

Major classifications of property and equipment were as follows:


	September 30,
	2020						2019
(in thousands)	Carrying Amount		Accumulated Depreciation		Net Book Value		Carrying Amount		Accumulated Depreciation		Net Book Value

Land	$	4	$	—	$	4	$	4	$	—	$	4
Buildings and improvements	105,137		(75,445)		29,692		103,486		(68,895)		34,591
Furniture and equipment	127,793		(101,888)		25,905		127,531		(96,142)		31,389
Software	33,729		(33,190)		539		34,245		(33,528)		717
Construction in progress	846		—		846		656		—		656
	$	267,509	$	(210,523)	$	56,986	$	265,922	$	(198,565)	$	67,357

Goodwill and Intangible Assets (Tables)

12 Months Ended

Sep. 30, 2020

Goodwill and Intangible Assets Disclosure [Abstract]

Changes in the carrying value of goodwill, by segment

The following table presents the changes in the carrying value of goodwill by segment:


	U.S. Pawn		Latin America Pawn		Consolidated

	(in thousands)
Balances as of September 30, 2018	$	247,894	$	51,354	$	299,248
Acquisitions	3,858		(1,721)		2,137
Effect of foreign currency translation changes	—		(858)		(858)
Balances as of September 30, 2019	$	251,752	$	48,775	$	300,527
Measurement period adjustments	176		(149)		27
Goodwill impairment *	(10,000)		(31,340)		(41,340)
Effect of foreign currency translation changes	—		(1,632)		(1,632)
Balances as of September 30, 2020	$	241,928	$	15,654	$	257,582

* Represents cumulative goodwill impairment.

Schedule of finite-lived intangible assets

The following table presents the balance of each major class of intangible assets:


	September 30,
	2020		2019
	(in thousands)
Non-amortizing intangible assets:
Trade names	$	19,094	$	19,938
Accumulated impairment losses	(4,598)		—
	$	14,496	$	19,938
Pawn licenses	9,509		9,517
	$	24,005	$	29,455

Amortizing intangible assets:
Internally developed software	$	67,457	$	59,436
Accumulated amortization	(33,646)		(24,280)
Accumulated impairment losses	$	(2,579)	—
	$	31,232	$	35,156

Non-compete agreements	$	3,417	$	3,563
Accumulated amortization	(3,394)		(3,399)
	$	23	$	164

Other	$	5,600	$	5,598
Accumulated amortization	(2,222)		(2,329)
	$	3,378	$	3,269

Intangible assets, net	$	58,638	$	68,044

Schedule of indefinite-lived intangible assets

The following table presents the balance of each major class of intangible assets:


	September 30,
	2020		2019
	(in thousands)
Non-amortizing intangible assets:
Trade names	$	19,094	$	19,938
Accumulated impairment losses	(4,598)		—
	$	14,496	$	19,938
Pawn licenses	9,509		9,517
	$	24,005	$	29,455

Amortizing intangible assets:
Internally developed software	$	67,457	$	59,436
Accumulated amortization	(33,646)		(24,280)
Accumulated impairment losses	$	(2,579)	—
	$	31,232	$	35,156

Non-compete agreements	$	3,417	$	3,563
Accumulated amortization	(3,394)		(3,399)
	$	23	$	164

Other	$	5,600	$	5,598
Accumulated amortization	(2,222)		(2,329)
	$	3,378	$	3,269

Intangible assets, net	$	58,638	$	68,044

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

The following table presents our estimate of future amortization expense for definite-lived intangible assets:


Fiscal Year Ended September 30,	Amortization expense

	(in thousands)
2021	$	8,344
2022	7,631
2023	5,892
2024	5,159
2025	1,685

Debt (Tables)

12 Months Ended

Sep. 30, 2020

Debt Disclosure [Abstract]

Long-term debt instruments

The following tables present our debt instruments outstanding, contractual maturities and interest expense:


	September 30, 2020						September 30, 2019
	Gross Amount		Debt Discount and Issuance Costs		Carrying Amount		Gross Amount		Debt Discount and Issuance Costs		Carrying Amount

	(in thousands)
2024 Convertible Notes	$	143,750	$	(26,557)	$	117,193	$	143,750	$	(32,439)	$	111,311
2025 Convertible Notes	172,500		(39,336)		133,164		172,500		(46,290)		126,210
8.5% unsecured debt due 2024*	872		—		872		1,092		—		1,092
CASHMAX*	—		—		—		634		(653)		(19)
Total	$	317,122	$	(65,893)	$	251,229	$	317,976	$	(79,382)	$	238,594
Less current portion	213		—		213		214		—		214
Total long-term debt	$	316,909	$	(65,893)	$	251,016	$	317,762	$	(79,382)	$	238,380

* Amounts translated from Guatemalan quetzals and Canadian dollars as of the applicable period end.

Schedule of maturities of debt


	Schedule of Contractual Maturities
	Total		Less Than 1 Year		1 - 3 Years		3 - 5 Years

	(in thousands)
2024 Convertible Notes*	$	143,750	$	—	$	—	$	143,750
2025 Convertible Notes*	172,500		—		—		172,500
8.5% unsecured debt due 2024	872		213		427		232
Total	$	317,122	$	213	$	427	$	316,482

* Excludes the potential impact of embedded derivatives.

Schedule of Interest Expense


	Fiscal Year Ended September 30,
	2020		2019		2018

	(in thousands)
2019 Convertible Notes:
Contractual interest expense	$	—	$	3,074	$	4,144
Amortization of debt discount and deferred financing costs	—		7,556		9,952
Total interest expense	$	—	$	10,630	$	14,096
2024 Convertible Notes:
Contractual interest expense	$	4,133	$	4,133	$	4,133
Amortization of debt discount and deferred financing costs	5,883		5,452		5,057
Total interest expense	$	10,016	$	9,585	$	9,190
2025 Convertible Notes:
Contractual interest expense	$	4,097	$	4,097	$	1,559
Amortization of debt discount and deferred financing costs	6,954		6,468		2,383
Total interest expense	$	11,051	$	10,565	$	3,942

- Definition

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

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
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-Name Accounting Standards Codification
-Topic 210
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-Paragraph 1
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Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
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Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef
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-Name Accounting Standards Codification
-Topic 942
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-Section 50
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-URI http://asc.fasb.org/extlink&oid=75038535&loc=d3e64711-112823

Reference 9: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 55
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-URI http://asc.fasb.org/extlink&oid=114775985&loc=d3e28878-108400

Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
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-URI http://asc.fasb.org/extlink&oid=109259400&loc=d3e21475-112644

+ Details

Common Stock and Stock Compensation (Tables)

12 Months Ended

Sep. 30, 2020

Share-based Payment Arrangement [Abstract]

Compensation Costs Included in Net Income

The following table presents amounts related to our stock compensation arrangements:


	Fiscal Year Ended September 30,
	2020		2019		2018

	(in thousands)
Share-based compensation costs	$	(5,094)	$	9,751	$	10,784
Income tax expense (benefit) on share-based compensation	420		(1,098)		(1,656)

Summary of Restricted Stock Award Activity

The following table presents a summary of stock compensation activity:


	Shares	Weighted Average Grant Date Fair Value

Outstanding as of September 30, 2019	3,451,024	$	9.28
Granted	1,472,578	5.73
Vested and released (a)	(989,223)	8.67
Forfeited	(2,825,459)	8.59
Outstanding as of September 30, 2020	1,108,920	$	5.65

(a) 268,798 shares were withheld to satisfy related federal income tax withholding.

The following table presents a summary of the fair value of shares granted:


	Fiscal Year Ended September 30,
	2020		2019		2018

	(in millions except per share amounts)
Weighted average grant-date fair value per share granted (a)	$	5.73	$	9.29	$	9.75
Total grant date fair value of shares vested	$	5.1	$	11.8	$	2.3

(a) Awards with performance and time-based vesting provisions are generally valued based upon the underlying share price as of the issuance date.

Income Taxes (Tables)

12 Months Ended

Sep. 30, 2020

Income Tax Disclosure [Abstract]

Schedule of domestic and foreign income components

The following table presents the components of our income from continuing operations before income taxes, including inter-segment amounts:


	Fiscal Year Ended September 30,
	2020		2019		2018

	(in thousands)
Domestic*	$	(31,989)	$	(9,609)	$	28,645
Foreign	(38,106)		13,783		26,894
	$	(70,095)	$	4,174	$	55,539

* Includes the majority of our corporate administrative costs. See Note 14 for information pertaining to segment contribution.

Components of income tax provision

The following table presents the significant components of the income tax provision:


	Fiscal Year Ended September 30,
	2020		2019		2018

	(in thousands)
Current:
Federal	$	(6,631)	$	431	$	(26)
State and foreign	10,544		704		9,288
	3,913		1,135		9,262
Deferred:
Federal*	(1,561)		(4,264)		9,498
State and foreign	(3,984)		5,535		(371)
	(5,545)		1,271		9,127
Total income tax (benefit) expense	$	(1,632)	$	2,406	$	18,389

Reconciliation of income taxes calculated at the statutory rate and the provision for income taxes

The following table presents a reconciliation of income taxes calculated at the statutory rate and the provision for income taxes:


	Fiscal Year Ended September 30,
	2020			2019			2018

	(in thousands)
Income tax (benefit) expense at the federal statutory rate	$	(14,720)		$	878		$	13,623
State taxes, net of federal benefit	951			184			1,265
Mexico inflation adjustment	(1,120)			(801)			(936)
Non-deductible items	772			2,088			2,214
Tax credits	—			(551)			(615)
Foreign rate differential	(1,671)			1,080			1,405
Change in valuation allowance	962			1,601			3,986
Stock compensation	598			(711)			—
Uncertain tax positions	2,849			(1,596)			(4,808)
Change in tax rate resulting from enactment of the Act	—			—			2,558
Non-deductible impairment	9,093			—			—
Other	654			234			(303)
Total income tax (benefit) expense	$	(1,632)		$	2,406		$	18,389
Effective tax rate	2		%	58		%	33		%

Significant components of deferred tax assets and liabilities

The following table shows significant components of our deferred tax assets and liabilities:


	September 30,
	2020		2019

	(in thousands)
Deferred tax assets:
Cash Converters International	$	15,049	$	14,616
Tax over book inventory	9,737		6,858
Accrued liabilities	8,924		4,518
Pawn service charges receivable	1,019		1,699
Stock compensation	1,565		2,758
Foreign tax credit	1,696		2,638
State and foreign net operating loss carryforwards	15,990		15,806
Book over tax depreciation	4,651		2,659
Other	4,350		2,159
Total deferred tax assets before valuation allowance	62,981		53,711
Valuation allowance	(18,524)		(18,094)
Net deferred tax assets	44,457		35,617
Deferred tax liabilities:
Tax over book amortization	22,444		19,042
Note receivable discount	12,257		15,416
Prepaid expenses	1,349		1,146
Total deferred tax liabilities	36,050		35,604
Net deferred tax asset	$	8,407	$	13

Schedule of unrecognized tax benefits

The following table presents a rollforward of unrecognized tax benefits:


	Fiscal Year Ended September 30,
	2020		2019		2018

	(in thousands)
Beginning balance	$	1,435	$	3,091	$	6,530
Increase for tax positions taken during a prior period	1,401		—		963
Increase for tax positions taken during the current period	249		—		—
Decrease for tax positions as a result of the lapse of the statute of limitations	—		(1,656)		(4,402)
Ending balance	$	3,085	$	1,435	$	3,091

Leases (Tables)

12 Months Ended

Sep. 30, 2020

Leases [Abstract]

Schedule of Lessee Assets and Liabilities


Right-of-use asset	$	246,028
Straight-line rent accrual	(8,479)
Net lease right-of-use asset	$	237,549

Lease liability, current	$	45,272
Lease liability, non-current	200,756
Total lease liability	$	246,028

Schedule of Lease Cost

The components of lease expense included in "Operations" and "Administrative" expense, based on the underlying lease use, in our consolidated statements of operations is as follows (in thousands):


	Fiscal Year Ended September 30,
	2020

Operating lease expense	$	62,925
Variable lease expense	11,846
Total lease expense	$	74,771

Schedule of Operating Lease Maturity

As of September 30, 2020, maturities of lease liabilities under ASC 842 by fiscal year were as follows (in thousands):


2021	$	66,079
2022	50,895
2023	39,076
2024	28,602
2025	19,877
Thereafter	41,639
Total lease liabilities	246,168
Less: Portion representing interest	43,386
Total net lease liabilities	202,782
Less: Current portion	49,742
Total long term net lease liabilities	$	153,040

Schedule of Future Minimum Rental Payments for Operating Leases

Prior to the adoption of ASC 842, future minimum undiscounted lease payments due under non-cancelable leases as of September 30, 2019 for each subsequent year were as follows (in thousands):


2020	$	69,291
2021	60,588
2022	46,720
2023	32,062
2024	19,969
Thereafter	39,256
	$	267,886

Schedule of rent expense

The following table presents the amount of net rent recognized as expense under ASC Topic 840 - Leases (in thousands):


	Fiscal Year Ended September 30,
	2019		2018

Gross rent expense from continuing operations	$	65,295	$	61,821
Sublease rent revenue from continuing operations	(35)		(109)
Net rent expense from continuing operations	$	65,260	$	61,712

Segment Information (Tables)

12 Months Ended

Sep. 30, 2020

Segment Reporting [Abstract]

Schedule of operating segment information


	Fiscal Year Ended September 30, 2020
	U.S. Pawn		Latin America Pawn		Lana		Other International		Total Segments		Corporate Items		Consolidated

	(in thousands)
Revenues:
Merchandise sales	$	391,921	$	106,292	$	—	$	—	$	498,213	$	—	$	498,213
Jewelry scrapping sales	36,691		11,262		—		—		47,953		—		47,953
Pawn service charges	210,081		62,557		—		—		272,638		—		272,638
Other revenues	150		—		34		3,823		4,007		—		4,007
Total revenues	638,843		180,111		34		3,823		822,811		—		822,811
Merchandise cost of goods sold	251,544		82,937		—		—		334,481		—		334,481
Jewelry scrapping cost of goods sold	28,064		9,977		—		—		38,041		—		38,041
Other cost of revenues	—		101		—		953		1,054		—		1,054
Net revenues	359,235		87,096		34		2,870		449,235		—		449,235
Segment and corporate expenses (income):
Operations	261,608		69,916		4,270		5,246		341,040		—		341,040
Administrative	—		—		—		—		—		49,897		49,897
Impairment of goodwill, intangible and other assets	10,000		35,938		—		1,149		47,087		7,579		54,666
Depreciation and amortization	11,030		7,315		1,058		68		19,471		11,356		30,827
Loss (gain) on sale or disposal of assets and other	385		(72)		—		(20)		293		508		801
Other Charges	3,106		1,715		3,258		3,802		11,881		8,507		20,388
Interest expense	—		685		—		549		1,234		21,238		22,472
Interest income	—		(1,586)		—		—		(1,586)		(1,587)		(3,173)
Equity in net loss of unconsolidated affiliates	—		—		—		2,429		2,429		—		2,429
Other (income) expense	—		(156)		—		6		(150)		133		(17)
Segment contribution (loss)	$	73,106	$	(26,659)	$	(8,552)	$	(10,359)	$	27,536
Income (loss) from continuing operations before income taxes									$	27,536	$	(97,631)	$	(70,095)


	Fiscal Year Ended September 30, 2019
	U.S. Pawn		Latin America Pawn		Lana		Other International		Total Segments		Corporate Items		Consolidated

	(in thousands)
Revenues:
Merchandise sales	$	355,996	$	97,379	$	—	$	—	$	453,375	$	—	$	453,375
Jewelry scrapping sales	45,815		14,630		—		—		60,445		—		60,445
Pawn service charges	248,369		78,997		—		—		327,366		—		327,366
Other revenues	233		179		—		5,631		6,043		—		6,043
Total revenues	650,413		191,185		—		5,631		847,229		—		847,229
Merchandise cost of goods sold	225,136		72,372		—		—		297,508		—		297,508
Jewelry scrapping cost of goods sold	39,318		13,617		—		—		52,935		—		52,935
Other cost of revenues	—		—		—		2,338		2,338		—		2,338
Net revenues	385,959		105,196		—		3,293		494,448		—		494,448
Operating expenses (income):
Operations	269,003		74,199		7,675		7,376		358,253		—		358,253
Administrative	—		—		—		—		—		55,990		55,990
Impairment of goodwill, intangible and other assets	—		—		—		—		—		—		—
Depreciation and amortization	11,879		6,267		10		219		18,375		10,422		28,797
Loss on sale or disposal of assets	3,402		691		—		282		4,375		24		4,399
Interest expense	—		1,609		—		491		2,100		30,537		32,637
Interest income	—		(1,601)		—		—		(1,601)		(9,485)		(11,086)
Equity in net income of unconsolidated affiliates	—		—		—		135		135		—		135
Impairment of investment in unconsolidated affiliates	—		—		—		19,725		19,725		—		19,725
Other income	—		(93)		—		1,895		1,802		(378)		1,424
Segment contribution (loss)	$	101,675	$	24,124	$	(7,685)	$	(26,830)	$	91,284
Income from continuing operations before income taxes									$	91,284	$	(87,110)	$	4,174


	Fiscal Year Ended September 30, 2018
	U.S. Pawn		Latin America Pawn		Lana		Other International		Total Segments		Corporate Items		Consolidated

	(in thousands)
Revenues:
Merchandise sales	$	350,699	$	87,673	$	—	$	—	$	438,372	$	—	$	438,372
Jewelry scrapping sales	47,745		13,007		—		—		60,752		—		60,752
Pawn service charges	237,086		67,491		—		—		304,577		—		304,577
Other revenues	250		85		—		8,120		8,455		—		8,455
Total revenues	635,780		168,256		—		8,120		812,156		—		812,156
Merchandise cost of goods sold	216,408		60,210		—		—		276,618		—		276,618
Jewelry scrapping cost of goods sold	40,417		11,873		—		—		52,290		—		52,290
Other cost of revenues	—		—		—		1,697		1,697		—		1,697
Net revenues	378,955		96,173		—		6,423		481,551		—		481,551
Operating expenses (income):
Operations	263,094		61,553		—		10,194		334,841		—		334,841
Administrative	—		—		—		—		—		53,639		53,639
Impairment of goodwill and intangibles assets	—		—		—		—		—		—		—
Depreciation and amortization	12,869		4,068		—		184		17,121		8,363		25,484
Loss on sale or disposal of assets	203		27		—		—		230		233		463
Interest expense	71		25		—		—		96		27,738		27,834
Interest income	—		(2,619)		—		—		(2,619)		(14,422)		(17,041)
Equity in net income of unconsolidated affiliates	—		—		—		(5,529)		(5,529)		—		(5,529)
Impairment of investment in unconsolidated affiliates	—		—		—		11,712		11,712		—		11,712
Other income	(3)		(42)		—		(132)		(177)		(5,214)		(5,391)
Segment contribution	$	102,721	$	33,161	$	—	$	(10,006)	$	125,876
Income from continuing operations before income taxes									$	125,876	$	(70,337)	$	55,539

Reconciliation of segment assets to consolidated

The following table presents separately identified segment assets:


	U.S. Pawn		Latin America Pawn		Lana		Other International		Corporate		Total

	(in thousands)
Assets as of September 30, 2020
Pawn loans	$	106,340	$	24,983	$	—	$	—	$	—	$	131,323
Pawn service charges receivable, net	17,931		2,649		—		—		—		20,580
Inventory, net	75,807		20,084		—		—		—		95,891
Total assets	690,157		191,827		4,528		34,118		276,393		1,197,023

Assets as of September 30, 2019
Pawn loans	$	157,408	$	41,650	$	—	$	—	$	—	199,058
Pawn service charges receivable, net	27,623		4,179		—		—		—		31,802
Inventory, net	142,266		37,089		—		—		—		179,355
Total assets	635,152		202,565		5,918		35,041		205,026		1,083,702

Schedule of revenues by geographic information

The following tables provide geographic information:


	Fiscal Year Ended September 30,
	2020		2019		2018

	(in thousands)
Revenues:
United States	$	638,844	$	650,413	$	635,780
Mexico	131,965		138,897		122,702
Other Latin America	48,146		52,288		45,554
Lana	34		—		—
Canada and other	3,822		5,631		8,120
Total revenues	$	822,811	$	847,229	$	812,156

Schedule of long-lived assets by geographic information


	September 30,
	2020		2019

	(in thousands)
Long-lived tangible assets:
United States	$	36,361	$	43,274
Mexico	15,141		18,566
Other Latin America	5,484		5,432
Canada and other	—		85
Total long-lived assets	$	56,986	$	67,357

Supplemental Consolidated Financial Information (Tables)

12 Months Ended

Sep. 30, 2020

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Information on net amounts included in the balance sheets

The following table provides information on net amounts included in our consolidated balance sheets and consolidated statements of cash flows:


	September 30,
	2020		2019
	(in thousands)
Gross pawn service charges receivable	$	27,259	$	41,838
Allowance for uncollectible pawn service charges receivable	(6,679)		(10,036)
Pawn service charges receivable, net	$	20,580	$	31,802

Gross inventory	$	108,205	$	189,092
Inventory reserves	(12,314)		(9,737)
Inventory, net	$	95,891	$	179,355

Prepaid expenses and other	$	10,614	$	4,784
Accounts receivable and other	6,991		10,889
Income taxes prepaid and receivable	15,298		10,248
Prepaid expenses and other current assets	$	32,903	$	25,921

Accounts payable	$	19,114	$	25,946
Accrued payroll	12,993		6,149
Bonus accrual	4,895		9,901
Other payroll related expenses	9,071		5,040
Accrued interest	2,793		2,793
Accrued rent and property taxes	6,545		11,702
Accrued sales and VAT taxes	9,291		10,680
Deferred revenues	2,986		2,929
Other accrued expenses	3,173		2,510
Income taxes payable	643		307
Account payable, accrued expenses and other current liabilities	$	71,504	$	77,957

Unrecognized tax benefits, non-current	$	4,214	$	1,362
Other long-term liabilities	6,635		5,940
Other long-term liabilities	$	10,849	$	7,302

Valuation and qualifying accounts

The following table provides information on our valuation and qualifying accounts not disclosed elsewhere:


			Additions
Description	Balance at Beginning of Period		Charged to Expense		Charged to Revenue		Deductions		Balance at End of Period

	(in thousands)
Allowance for valuation of inventory:
Year Ended September 30, 2020	$	9,737	$	2,577	$	—	$	—	$	12,314
Year Ended September 30, 2019	9,201		536		—		—		9,737
Year Ended September 30, 2018	6,801		2,400		—		—		9,201
Allowance for uncollectible pawn service charges receivable:
Year Ended September 30, 2020	$	10,036	$	—	—		$	3,357	$	6,679
Year Ended September 30, 2019	9,760		—		276		—		10,036
Year Ended September 30, 2018	9,129		—		631		—		9,760
Allowance for uncollectible consumer loan fees and interest receivable:
Year Ended September 30, 2020	$	540	$	—	$	—	540		$	—
Year Ended September 30, 2019	331		—		209		—		540
Year Ended September 30, 2018	283		—		48		—		331
Allowance for valuation of deferred tax assets:
Year Ended September 30, 2020	$	18,094	$	430	$	—	$	—	$	18,524
Year Ended September 30, 2019	20,254		—		—		2,160		18,094
Year Ended September 30, 2018	17,860		2,394		—		—		20,254

Quarterly Information (Unaudited) (Tables)

12 Months Ended

Sep. 30, 2020

Quarterly Financial Information Disclosure [Abstract]

Schedule of quarterly information


	First Quarter		Second Quarter		Third Quarter		Fourth Quarter

	(in thousands, except per share amounts)
Year Ended September 30, 2020
Total revenues	$	222,435	$	223,283	$	210,233	$	166,860
Net revenues	130,069		127,365		102,184		89,617
Net income (loss)	1,238		(40,874)		(5,487)		(23,340)
Basic earnings (loss) per share	$	0.02	$	(0.74)	$	(0.10)	$	(0.42)
Diluted earnings (loss) per share	$	0.02	$	(0.74)	$	(0.10)	$	(0.42)


	First Quarter		Second Quarter		Third Quarter		Fourth Quarter

	(in thousands, except per share amounts)
Year Ended September 30, 2019
Total revenues	$	215,695	$	214,730	$	202,465	$	214,339
Net revenues	130,049		127,690		115,853		120,856
(Loss) income from continuing operations, net of tax	(3,660)		2,659		3,361		(592)
(Loss) income from discontinued operations, net of tax	(183)		(18)		(203)		(53)
Net (loss) income	(3,843)		2,641		3,158		(645)
Net (loss) income attributable to noncontrolling interest	(477)		(753)		—		—
Net (loss) income attributable to EZCORP, Inc.	$	(3,366)	$	3,394	$	3,158	$	(645)

Basic earnings per share attributable to EZCORP, Inc.:	$	(0.06)	$	0.06	$	0.06	$	(0.01)
Diluted earnings per share attributable to EZCORP, Inc.:	$	(0.06)	$	0.06	$	0.06	$	(0.01)

Organization and Summary of Significant Accounting Policies - Description of Business (Details)	12 Months Ended
	Sep. 30, 2020 store country
Description of Business [Line Items]
Number of stores	1,005
Cash Converters International Limited
Description of Business [Line Items]
Number of stores	700
Percentage of ownership	34.75%
Number of countries \| country	16
Rich Data Corporation
Description of Business [Line Items]
Ownership percentage after dilution	0.1314
UNITED STATES \| Pawn Stores
Description of Business [Line Items]
Number of stores	505
Mexico \| Pawn Stores
Description of Business [Line Items]
Number of stores	368
Guatemala, El Salvador, Honduras and Peru \| Pawn Stores
Description of Business [Line Items]
Number of stores	132

Organization and Summary of Significant Accounting Policies - Pawn and Sales Revenue Recognition (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
Accounts, Notes, Loans and Financing Receivable [Line Items]
Pawn loans	$ 131,323	$ 199,058
Pawn Stores
Accounts, Notes, Loans and Financing Receivable [Line Items]
Pawn loans	$ 51,900
Percentage of pawn loans, outstanding	40.00%
Pawn Stores Florida
Accounts, Notes, Loans and Financing Receivable [Line Items]
Pawn loans	$ 14,800
Percentage of pawn loans, outstanding	11.00%

Organization and Summary of Significant Accounting Policies - Inventory and Cash and Cash Equivalents and Cash Concentrations (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Inventory [Line Items]
Production related impairments charges	$ 2,600
Inventory, net	95,891	$ 179,355
Restricted cash	8,011	4,875
Mexico \| Foreign \| Reportable geographical components
Inventory [Line Items]
Inventory, net	$ 12,900	$ 26,900

Organization and Summary of Significant Accounting Policies - Equity Method Investments (Details)	12 Months Ended
	Sep. 30, 2020
Cash Converters International Limited
Schedule of Equity Method Investments [Line Items]
Income from investment, period of lag	3 months

Organization and Summary of Significant Accounting Policies - Leases (Details) - extension_option	12 Months Ended
	Sep. 30, 2020	Dec. 31, 2014
Lessee, Lease, Description [Line Items]
Initial term of lease (in years)	10 years
Corporate Office Lease, Two Five-Year Extension Options
Lessee, Lease, Description [Line Items]
Initial term of lease (in years)		13 years
Number of extension options	2
Renewable term of lease (in years)	5 years
Minimum
Lessee, Lease, Description [Line Items]
Initial term of lease (in years)	3 years
Maximum
Lessee, Lease, Description [Line Items]
Initial term of lease (in years)	10 years

Organization and Summary of Significant Accounting Policies - Goodwill and Other Intangible Assets (Details) - Goodwill and Indefinite-lived Intangible Assets - Measurement Input, Discount Rate - Income Approach Valuation Technique	Sep. 30, 2020
Minimum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount rates used for reporting unit valuations	0.11
Maximum
Fair Value Measurement Inputs and Valuation Techniques [Line Items]
Discount rates used for reporting unit valuations	0.19

Organization and Summary of Significant Accounting Policies - Property and Equipment (Details)	12 Months Ended
	Sep. 30, 2020
Building
Property, Plant and Equipment [Line Items]
Estimated useful life	30 years
Furniture, equipment, and software development costs \| Minimum
Property, Plant and Equipment [Line Items]
Estimated useful life	2 years
Furniture, equipment, and software development costs \| Maximum
Property, Plant and Equipment [Line Items]
Estimated useful life	7 years
Leasehold improvements
Property, Plant and Equipment [Line Items]
Estimated useful life	10 years

Organization and Summary of Significant Accounting Policies - Software Development Costs (Details)	12 Months Ended
	Sep. 30, 2020
Software
Property, Plant and Equipment [Line Items]
Estimated useful life	5 years

Organization and Summary of Significant Accounting Policies - Convertible Debt Securities (Details)	Sep. 30, 2020
Measurement Input, Discount Rate \| Liability Component of Convertible Debt \| 2024 Convertible Notes
Debt Conversion [Line Items]
Fair value assumptions, discount rate	0.08

Organization and Summary of Significant Accounting Policies - Foreign Currency and Advertising (Details) - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Foreign currency transaction gains (losses) not accounted for as translations	$ 0.5	$ 0.3	$ 0.4
Advertising expense	$ 2.0	$ 2.0	$ 2.5

Organization and Summary of Significant Accounting Policies - Earnings Per Share and Common Stock (Details) - Common Class B	Sep. 30, 2020 vote
Class of Stock [Line Items]
Number of votes per share	1
Convertible common stock conversion ratio	100.00%

Organization and Summary of Significant Accounting Policies - Impact of COVID-19 (Details) $ in Millions	3 Months Ended
	Mar. 31, 2020 USD ($)
Goodwill [Line Items]
Goodwill impairment charges	$ 41.3
Impairment of long-lived assets	1.1
Trade names \| Mexico Reporting Unit
Goodwill [Line Items]
Impairment of intangible assets	2.9
Trade names \| G P M X Reporting Unit
Goodwill [Line Items]
Impairment of intangible assets	$ 1.7

Other Charges - Additional Information (Details) - Cost savings initiative plan $ in Millions	3 Months Ended
	Sep. 30, 2020 USD ($) numberOfStore
Restructuring Cost and Reserve [Line Items]
Severance costs	$ 6.4
Business exit costs	4.9
Other miscellaneous charges	5.0
U.S. Pawn And Latin America Pawn Segments
Restructuring Cost and Reserve [Line Items]
Business exit costs	$ 4.1
U.S. Pawn
Restructuring Cost and Reserve [Line Items]
Number of stores closed \| numberOfStore	4
Latin America Pawn
Restructuring Cost and Reserve [Line Items]
Number of stores closed \| numberOfStore	3

Other Charges - Activity (Details) - Cost savings initiative plan $ in Millions	12 Months Ended
	Sep. 30, 2020 USD ($)
Restructuring Reserve [Roll Forward]
Accrued charges beginning balance	$ 0.0
Charges and Adjustments	12.5
Payments and Adjustments	1.8
Accrued charges ending balance	10.7
Amount of reserve recovered	20.4
Labor reduction costs
Restructuring Reserve [Roll Forward]
Accrued charges beginning balance	0.0
Charges and Adjustments	6.4
Payments and Adjustments	0.5
Accrued charges ending balance	5.9
Amount of reserve recovered	0.0
CASHMAX Shutdown
Restructuring Reserve [Roll Forward]
Accrued charges beginning balance	0.0
Charges and Adjustments	1.8
Payments and Adjustments	1.0
Accrued charges ending balance	0.8
Amount of reserve recovered	3.1
Store closure costs
Restructuring Reserve [Roll Forward]
Accrued charges beginning balance	0.0
Charges and Adjustments	1.8
Payments and Adjustments	0.0
Accrued charges ending balance	1.8
Amount of reserve recovered	2.3
Other
Restructuring Reserve [Roll Forward]
Accrued charges beginning balance	0.0
Charges and Adjustments	2.5
Payments and Adjustments	0.3
Accrued charges ending balance	2.2
Amount of reserve recovered	$ 2.5

Acquisitions - Additional Information Regarding Recent Acquisitions (Details)	1 Months Ended						9 Months Ended	12 Months Ended
	Jun. 30, 2019 USD ($) Store	Dec. 31, 2018 USD ($) Store	Jun. 30, 2018 store state	Jan. 31, 2018 USD ($)	Dec. 31, 2017 store	Oct. 31, 2017 USD ($) store	Jun. 30, 2018 USD ($) state	Sep. 30, 2018 USD ($)	Sep. 30, 2020 USD ($)	Sep. 30, 2019 USD ($)
Business Acquisition [Line Items]
Goodwill								$ 299,248,000	$ 257,582,000	$ 300,527,000
Goodwill, expected tax deductible amount								0
Acquisition related costs								600,000
Metro Pawn
Business Acquisition [Line Items]
Number of stores acquired \| Store	7
Cash payments for acquisition	$ 7,000,000.0
Goodwill	$ 3,900,000
Pawn Stores, Mexico 2019
Business Acquisition [Line Items]
Number of stores acquired \| Store		5
Cash payments for acquisition		$ 300,000
Goodwill		$ 100,000
GPMX
Business Acquisition [Line Items]
Number of stores acquired \| store						112
Cash payments for acquisition				$ 1,600,000		$ 53,400,000	$ 6,700,000
Goodwill								34,816,000
Percentage acquired						100.00%
Contingent consideration						$ 2,250,000
Duration of performance period tied to contingent consideration						24 months
Aggregate purchase price						$ 61,700,000
GPMX \| Trade names
Business Acquisition [Line Items]
Intangible assets								9,800,000
Montepio San Patricio
Business Acquisition [Line Items]
Number of stores acquired \| store			40
Presta Dinero
Business Acquisition [Line Items]
Number of stores acquired \| store			23
Number of states in which entity operates \| state			7				7
Bazareno
Business Acquisition [Line Items]
Number of stores acquired \| store					21
All Other
Business Acquisition [Line Items]
Goodwill								7,770,000
All Other \| Trade names
Business Acquisition [Line Items]
Intangible assets								$ 6,600,000

Acquisitions - Other Information for Fiscal 2018 Acquisitions (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Business Acquisition [Line Items]
Goodwill	$ 257,582	$ 300,527	$ 299,248
GPMX
Business Acquisition [Line Items]
Cash and cash equivalents			2,560
Earning assets			17,247
Other assets			2,145
Property and equipment, intangible assets, deferred taxes and other assets, net			11,671
Goodwill			34,816
Accounts payable, deferred taxes and other liabilities			(6,723)
Total consideration			61,716
All Other
Business Acquisition [Line Items]
Cash and cash equivalents			0
Earning assets			8,347
Other assets			3,737
Property and equipment, intangible assets, deferred taxes and other assets, net			13,678
Goodwill			7,770
Accounts payable, deferred taxes and other liabilities			1,621
Total consideration			$ 35,153

Acquisitions - Proforma Information (Details) $ in Millions	12 Months Ended
Acquisitions - Proforma Information (Details) $ in Millions	Sep. 30, 2018 USD ($)
GPMX
Business Acquisition [Line Items]
Revenue	$ 46.5
Net Income	8.0
All Other
Business Acquisition [Line Items]
Revenue	7.5
Net Income	$ 1.3

(Loss) Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended								12 Months Ended
	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Net Components of Basic and Diluted Earnings per Share
Net (loss) income from continuing operations attributable to EZCORP									$ (68,463)	$ 2,998	$ 38,138
Loss from discontinued operations, net of tax									0	(457)	(856)
Net (loss) income attributable to EZCORP					$ (645)	$ 3,158	$ 3,394	$ (3,366)	$ (68,463)	$ 2,541	$ 37,282
Weighted average outstanding shares of common stock (in shares)									55,313	55,341	54,456
Dilutive effect of restricted stock and 2024 Convertible Notes (in shares)									0	643	3,440
Weighted average common stock and common stock equivalents (in shares)									55,313	55,984	57,896
Basic (loss) earnings per share attributable to EZCORP:
Continuing operations (usd per share)	$ (0.42)	$ (0.10)	$ (0.74)	$ 0.02					$ (1.24)	$ 0.05	$ 0.70
Discontinued operations (usd per share)									0	(0.01)	(0.02)
Basic earnings per share (usd per share)					$ (0.01)	$ 0.06	$ 0.06	$ (0.06)	(1.24)	0.04	0.68
Diluted (loss) earnings per share attributable to EZCORP:
Continuing operations (usd per share)	$ (0.42)	$ (0.10)	$ (0.74)	$ 0.02					(1.24)	0.05	0.66
Discontinued operations (usd per share)									0	(0.01)	(0.02)
Diluted earnings per share (usd per share)					$ (0.01)	$ 0.06	$ 0.06	$ (0.06)	$ (1.24)	$ 0.04	$ 0.64
Restricted stock
Diluted (loss) earnings per share attributable to EZCORP:
Potential common shares excluded from the calculation of diluted earnings per share above: Restricted stock (in shares)									2,786	2,121	2,218

Strategic Investments - Additional Information (Details) $ in Thousands, $ in Millions	1 Months Ended		3 Months Ended		12 Months Ended			104 Months Ended
	Jun. 30, 2018 USD ($) shares	Jun. 30, 2018 AUD ($) shares	Mar. 31, 2019 USD ($)	Dec. 31, 2018 USD ($)	Sep. 30, 2020 USD ($) shares	Sep. 30, 2019 USD ($)	Sep. 30, 2018 USD ($)	Jun. 30, 2018 USD ($)
Schedule of Equity Method Investments [Line Items]
Payments to acquire equity method investment					$ 0	$ 0	$ 14,036
Income (loss) from equity method investments					(2,429)	(135)	5,529
Loss on deconsolidation					$ 300
Cash Converters International Limited
Schedule of Equity Method Investments [Line Items]
Number of common shares owned (in shares) \| shares					214,183,714
Percentage of common shares owned					34.75%
Payments to acquire equity method investment								$ 96,100
Number of shares acquired (shares) \| shares	57,631,230	57,631,230
Value of shares acquired	$ 14,000	$ 39.5
Percentage of ownership increase	3.00%	3.00%
Income (loss) from equity method investments					$ (2,100)	(100)	$ 5,500
Accumulated undistributed after-tax earnings included in consolidated retained earnings					$ 13,700
Other than temporary impairment, before taxes			$ 6,500	$ 13,300
Other than temporary impairment, net of taxes			$ 5,000	$ 10,300
Impairment of investment, not other-than-temporary						$ 6,200
Cash Converters International Limited \| Underwritten Placement
Schedule of Equity Method Investments [Line Items]
Number of shares acquired (shares) \| shares	123,300,000	123,300,000
Rich Data Corporation
Schedule of Equity Method Investments [Line Items]
Ownership percentage after dilution					0.1314

Strategic Investments - Summarized Financial Information (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Summary of financial information for Cash Converters International Limited
Current assets	$ 593,250				$ 605,760				$ 593,250	$ 605,760
Total assets	1,197,023				1,083,702				1,197,023	1,083,702
Current liabilities	132,467				91,086				132,467	91,086
Total liabilities and equity	1,197,023				1,083,702				1,197,023	1,083,702
Gross profit	89,617	$ 102,184	$ 127,365	$ 130,069	120,856	$ 115,853	$ 127,690	$ 130,049	449,235	494,448	$ 481,551
Net (loss) profit					(645)	$ 3,158	$ 3,394	$ (3,366)	(68,463)	2,541	37,282
Cash Converters International Limited
Summary of financial information for Cash Converters International Limited
Current assets	157,183				173,826				157,183	173,826
Non-current assets	172,833				152,483				172,833	152,483
Total assets	330,016				326,309				330,016	326,309
Current liabilities	68,028				77,434				68,028	77,434
Non-current liabilities	51,275				26,163				51,275	26,163
Shareholders’ equity	210,713				222,712				210,713	222,712
Total liabilities and equity	$ 330,016				$ 326,309				330,016	326,309
Gross revenues									187,025	201,365	201,800
Gross profit									112,511	111,932	128,366
Net (loss) profit									$ (7,032)	$ (1,210)	$ 17,443

Fair Value Measurements - Financial Assets, Temporary Equity and Liabilities Not Measured at Fair Value (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Financial assets:
Investments in unconsolidated affiliates	$ 32,458	$ 34,516
Carrying Value
Financial assets:
Investments in unconsolidated affiliates	32,458	34,516
Estimate of Fair Value Measurement
Financial assets:
Investments in unconsolidated affiliates	32,597	28,308
Estimate of Fair Value Measurement \| Level 1
Financial assets:
Investments in unconsolidated affiliates	24,833	20,252
Estimate of Fair Value Measurement \| Level 2
Financial assets:
Investments in unconsolidated affiliates	0	0
Estimate of Fair Value Measurement \| Level 3
Financial assets:
Investments in unconsolidated affiliates	$ 7,764	8,056
Notes receivable from Grupo Finmart, net \| Carrying Value
Financial assets:
Notes receivable		7,182
Notes receivable from Grupo Finmart, net \| Estimate of Fair Value Measurement
Financial assets:
Notes receivable		7,582
Notes receivable from Grupo Finmart, net \| Estimate of Fair Value Measurement \| Level 1
Financial assets:
Notes receivable		0
Notes receivable from Grupo Finmart, net \| Estimate of Fair Value Measurement \| Level 2
Financial assets:
Notes receivable		0
Notes receivable from Grupo Finmart, net \| Estimate of Fair Value Measurement \| Level 3
Financial assets:
Notes receivable		$ 7,582
2.89% promissory note receivable due April 2024
Financial liabilities:
Notes receivable, interest rate	2.89%	2.89%
2.89% promissory note receivable due April 2024 \| Carrying Value
Financial assets:
Notes receivable	$ 1,148	$ 1,117
2.89% promissory note receivable due April 2024 \| Estimate of Fair Value Measurement
Financial assets:
Notes receivable	1,148	1,117
2.89% promissory note receivable due April 2024 \| Estimate of Fair Value Measurement \| Level 1
Financial assets:
Notes receivable	0	0
2.89% promissory note receivable due April 2024 \| Estimate of Fair Value Measurement \| Level 2
Financial assets:
Notes receivable	0	0
2.89% promissory note receivable due April 2024 \| Estimate of Fair Value Measurement \| Level 3
Financial assets:
Notes receivable	1,148	1,117
2024 Convertible Notes \| Carrying Value
Financial liabilities:
Debt instrument, fair value	117,193	111,311
2024 Convertible Notes \| Estimate of Fair Value Measurement
Financial liabilities:
Debt instrument, fair value	129,979	139,969
2024 Convertible Notes \| Estimate of Fair Value Measurement \| Level 1
Financial liabilities:
Debt instrument, fair value	0	0
2024 Convertible Notes \| Estimate of Fair Value Measurement \| Level 2
Financial liabilities:
Debt instrument, fair value	129,979	139,969
2024 Convertible Notes \| Estimate of Fair Value Measurement \| Level 3
Financial liabilities:
Debt instrument, fair value	0	0
2025 Convertible Notes \| Carrying Value
Financial liabilities:
Debt instrument, fair value	133,164	126,210
2025 Convertible Notes \| Estimate of Fair Value Measurement
Financial liabilities:
Debt instrument, fair value	137,569	138,345
2025 Convertible Notes \| Estimate of Fair Value Measurement \| Level 1
Financial liabilities:
Debt instrument, fair value	0	0
2025 Convertible Notes \| Estimate of Fair Value Measurement \| Level 2
Financial liabilities:
Debt instrument, fair value	137,569	138,345
2025 Convertible Notes \| Estimate of Fair Value Measurement \| Level 3
Financial liabilities:
Debt instrument, fair value	$ 0	$ 0
8.5% unsecured debt due 2024
Financial liabilities:
Stated interest rate	8.50%	8.50%
8.5% unsecured debt due 2024 \| Carrying Value
Financial liabilities:
Debt instrument, fair value	$ 872	$ 1,092
8.5% unsecured debt due 2024 \| Estimate of Fair Value Measurement
Financial liabilities:
Debt instrument, fair value	872	1,092
8.5% unsecured debt due 2024 \| Estimate of Fair Value Measurement \| Level 1
Financial liabilities:
Debt instrument, fair value	0	0
8.5% unsecured debt due 2024 \| Estimate of Fair Value Measurement \| Level 2
Financial liabilities:
Debt instrument, fair value	0	0
8.5% unsecured debt due 2024 \| Estimate of Fair Value Measurement \| Level 3
Financial liabilities:
Debt instrument, fair value	$ 872	1,092
CASHMAX secured borrowing facility \| Carrying Value
Financial liabilities:
Debt instrument, fair value		634
CASHMAX secured borrowing facility \| Estimate of Fair Value Measurement
Financial liabilities:
Debt instrument, fair value		634
CASHMAX secured borrowing facility \| Estimate of Fair Value Measurement \| Level 1
Financial liabilities:
Debt instrument, fair value		0
CASHMAX secured borrowing facility \| Estimate of Fair Value Measurement \| Level 2
Financial liabilities:
Debt instrument, fair value		0
CASHMAX secured borrowing facility \| Estimate of Fair Value Measurement \| Level 3
Financial liabilities:
Debt instrument, fair value		$ 634

Fair Value Measurements - Additional Disclosures (Details) $ in Millions	1 Months Ended	12 Months Ended
	Mar. 31, 2019 USD ($)	Sep. 30, 2020	Apr. 30, 2019 USD ($)
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Amount received in previously escrowed seller funds	$ 1.1
Rich Data Corporation
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Ownership percentage after dilution		0.1314
Secured Promissory Note 2.89%, Due 2024
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Fair value of notes receivable			$ 1.1
Notes receivable, interest rate	2.89%

Property and Equipment (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
Property, Plant and Equipment [Line Items]
Carrying Amount	$ 267,509	$ 265,922
Accumulated Depreciation	(210,523)	(198,565)
Net Book Value	56,986	67,357
Land
Property, Plant and Equipment [Line Items]
Carrying Amount	4	4
Accumulated Depreciation	0	0
Net Book Value	4	4
Buildings and improvements
Property, Plant and Equipment [Line Items]
Carrying Amount	105,137	103,486
Accumulated Depreciation	(75,445)	(68,895)
Net Book Value	29,692	34,591
Furniture and equipment
Property, Plant and Equipment [Line Items]
Carrying Amount	127,793	127,531
Accumulated Depreciation	(101,888)	(96,142)
Net Book Value	25,905	31,389
Software
Property, Plant and Equipment [Line Items]
Carrying Amount	33,729	34,245
Accumulated Depreciation	(33,190)	(33,528)
Net Book Value	539	717
Construction in progress
Property, Plant and Equipment [Line Items]
Carrying Amount	846	656
Accumulated Depreciation	0	0
Net Book Value	$ 846	$ 656

Goodwill and Intangible Assets - Additional Information (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2020	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Goodwill [Line Items]
Goodwill impairment loss	$ 41,300	$ 41,340
Impairment of long-lived assets	1,100
Definite-lived intangible assets, amortization expense		$ 11,200	$ 7,800	$ 5,800
Trade names \| Mexico Reporting Unit
Goodwill [Line Items]
Impairment of intangible assets	2,900
Trade names \| G P M X Reporting Unit
Goodwill [Line Items]
Impairment of intangible assets	$ 1,700

Goodwill and Intangible Assets - Goodwill (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2020	Sep. 30, 2020	Sep. 30, 2019
Changes in the carrying value of goodwill, by segment
Beginning Balance		$ 300,527	$ 299,248
Acquisitions			2,137
Measurement period adjustments		27
Goodwill impairment *	$ (41,300)	(41,340)
Effect of foreign currency translation changes		(1,632)	(858)
Ending Balance		257,582	300,527
U.S. Pawn
Changes in the carrying value of goodwill, by segment
Beginning Balance		251,752	247,894
Acquisitions			3,858
Measurement period adjustments		176
Goodwill impairment *		(10,000)
Effect of foreign currency translation changes		0	0
Ending Balance		241,928	251,752
Latin America Pawn
Changes in the carrying value of goodwill, by segment
Beginning Balance		48,775	51,354
Acquisitions			(1,721)
Measurement period adjustments		(149)
Goodwill impairment *		(31,340)
Effect of foreign currency translation changes		(1,632)	(858)
Ending Balance		$ 15,654	$ 48,775

Goodwill and Intangible Assets - Intangible Assets By Major Class (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
Indefinite-lived Intangible Assets [Line Items]
Indefinite-lived intangible assets	$ 24,005	$ 29,455
Finite-Lived Intangible Assets [Line Items]
Intangible assets, net	58,638	68,044
Trade names
Indefinite-lived Intangible Assets [Line Items]
Trade names	19,094	19,938
Accumulated impairment losses	(4,598)	0
Indefinite-lived intangible assets	14,496	19,938
Pawn licenses
Indefinite-lived Intangible Assets [Line Items]
Indefinite-lived intangible assets	9,509	9,517
Computer Software, Intangible Asset
Finite-Lived Intangible Assets [Line Items]
Carrying amount	67,457	59,436
Accumulated amortization	(33,646)	(24,280)
Accumulated impairment losses	(2,579)	0
Net book value	31,232	35,156
Noncompete Agreements
Finite-Lived Intangible Assets [Line Items]
Carrying amount	3,417	3,563
Accumulated amortization	(3,394)	(3,399)
Net book value	23	164
Other Intangible Assets
Finite-Lived Intangible Assets [Line Items]
Carrying amount	5,600	5,598
Accumulated amortization	(2,222)	(2,329)
Net book value	$ 3,378	$ 3,269

Goodwill and Intangible Assets - Future Amortization Expense (Details) $ in Thousands	Sep. 30, 2020 USD ($)
Amortization expense
2021	$ 8,344
2022	7,631
2023	5,892
2024	5,159
2025	$ 1,685

Debt - Schedule of Debt Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019	May 14, 2018	Jul. 31, 2017
Debt Instrument [Line Items]
Gross Amount	$ 317,122	$ 317,976
Debt Discount and Issuance Costs	(65,893)	(79,382)
Carrying Amount	251,229	238,594
Less current portion, Gross Amount	213	214
Less current portion, Debt Discount and Issuance Costs	0	0
Less current portion, Carrying Amount	213	214
Total long-term debt, Gross Amount	316,909	317,762
Total long-term debt, Debt Discount and Issuance Costs	(65,893)	(79,382)
Total long-term debt, Carrying Amount	251,016	238,380
2024 Convertible Notes
Debt Instrument [Line Items]
Stated interest rate				2.875%
Senior Notes \| 2024 Convertible Notes
Debt Instrument [Line Items]
Gross Amount	143,750	143,750
Debt Discount and Issuance Costs	(26,557)	(32,439)
Carrying Amount	117,193	111,311
Senior Notes \| 2025 Convertible Notes
Debt Instrument [Line Items]
Gross Amount	172,500	172,500
Debt Discount and Issuance Costs	(39,336)	(46,290)
Carrying Amount	133,164	126,210	$ 121,300
Stated interest rate			2.375%
Unsecured Notes \| 8.5% unsecured debt due 2024
Debt Instrument [Line Items]
Gross Amount	872	1,092
Debt Discount and Issuance Costs	0	0
Carrying Amount	$ 872	$ 1,092
Stated interest rate	8.50%	8.50%
Receivables Securitization Facility \| CASHMAX
Debt Instrument [Line Items]
Gross Amount		$ 634
Debt Discount and Issuance Costs		(653)
Carrying Amount		$ (19)

Debt - Principal Payment Schedule (Details) - USD ($)	Sep. 30, 2020	Sep. 30, 2019	May 14, 2018	Jul. 31, 2017
Debt Instrument [Line Items]
Total	$ 317,122,000
Less Than 1 Year	213,000
1 - 3 Years	427,000
3 - 5 Years	316,482,000
2024 Convertible Notes
Debt Instrument [Line Items]
Total				$ 143,750,000
Stated interest rate				2.875%
Senior Notes \| 2024 Convertible Notes
Debt Instrument [Line Items]
Total	143,750,000
Less Than 1 Year	0
1 - 3 Years	0
3 - 5 Years	143,750,000
Senior Notes \| 2025 Convertible Notes
Debt Instrument [Line Items]
Total	172,500,000		$ 172,500,000
Less Than 1 Year	0
1 - 3 Years	0
3 - 5 Years	172,500,000
Stated interest rate			2.375%
Unsecured Notes \| 8.5% unsecured debt due 2024
Debt Instrument [Line Items]
Total	872,000
Less Than 1 Year	213,000
1 - 3 Years	427,000
3 - 5 Years	$ 232,000
Stated interest rate	8.50%	8.50%

Debt - Interest Expense (Details) - USD ($) $ in Thousands	12 Months Ended
Debt - Interest Expense (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Debt Instrument [Line Items]
Amortization of debt discount and deferred financing costs	$ 13,200	$ 19,759	$ 17,595
Senior Notes \| 2019 Convertible Notes
Debt Instrument [Line Items]
Contractual interest expense	0	3,074	4,144
Amortization of debt discount and deferred financing costs	0	7,556	9,952
Total interest expense	0	10,630	14,096
Senior Notes \| 2024 Convertible Notes
Debt Instrument [Line Items]
Contractual interest expense	4,133	4,133	4,133
Amortization of debt discount and deferred financing costs	5,883	5,452	5,057
Total interest expense	10,016	9,585	9,190
Senior Notes \| 2025 Convertible Notes
Debt Instrument [Line Items]
Contractual interest expense	4,097	4,097	1,559
Amortization of debt discount and deferred financing costs	6,954	6,468	2,383
Total interest expense	$ 11,051	$ 10,565	$ 3,942

Debt - Convertible Senior Notes Due 2025 (Details)		12 Months Ended
Debt - Convertible Senior Notes Due 2025 (Details)	May 14, 2018 USD ($) day	Sep. 30, 2020 USD ($) $ / shares	Sep. 30, 2019 USD ($)
Debt Instrument [Line Items]
Principal amount		$ 317,122,000
Carrying value		251,229,000	$ 238,594,000
Debt discount and issuance costs		65,893,000	79,382,000
Senior Notes \| 2025 Convertible Notes
Debt Instrument [Line Items]
Stated interest rate	2.375%
Principal amount	$ 172,500,000	$ 172,500,000
Semi-annual interest rate	2.375%
Conversion rate per $1,000 principal amount (shares)	62.8931
Conversion price, per share (usd per share) \| $ / shares		$ 15.90
Share price (usd per share) \| $ / shares		$ 15.90
Remaining unamortized issuance discount period		7 years
Carrying value	$ 121,300,000	$ 133,164,000	126,210,000
Unamortized discount	51,200,000
Equity component of debt, gross	49,600,000
Conversion feature accounted for as an equity-classified instrument	39,100,000
Debt transaction costs	$ 5,500,000
Effective interest rate		9.00%
Debt discount and issuance costs		$ 39,336,000	$ 46,290,000
Senior Notes \| 2025 Convertible Notes \| Debt Instrument, Redemption, Period One
Debt Instrument [Line Items]
Threshold consecutive trading days \| day	30
Threshold percentage of stock price trigger	130.00%
Repurchase price, percent of principal amount	100.00%
Debt Conversion, Condition One \| Senior Notes \| 2025 Convertible Notes
Debt Instrument [Line Items]
Threshold trading days (whether or not consecutive) \| day	20
Threshold consecutive trading days \| day	30
Threshold percentage of stock price trigger	130.00%
Debt Conversion, Condition Two \| Senior Notes \| 2025 Convertible Notes
Debt Instrument [Line Items]
Threshold consecutive trading days \| day	5
Threshold percentage of stock price trigger	98.00%
Business day threshold \| day	5
Measurement Input, Discount Rate \| Valuation Technique, Discounted Cash Flow \| Senior Notes \| 2025 Convertible Notes
Debt Instrument [Line Items]
Debt instrument, expected term input		0.08

Debt - Convertible Senior Notes Due 2024 (Details)	1 Months Ended	12 Months Ended
Debt - Convertible Senior Notes Due 2024 (Details)	Jul. 31, 2017 USD ($) day $ / shares	Sep. 30, 2020 USD ($)	Sep. 30, 2019 USD ($)
Debt Instrument [Line Items]
Principal amount		$ 317,122,000
Additional paid-in capital		398,475,000	$ 407,628,000
Debt discount and issuance costs		$ 65,893,000	79,382,000
2024 Convertible Notes
Debt Instrument [Line Items]
Stated interest rate	2.875%
Principal amount	$ 143,750,000
Maturity period		7 years
Convertible debt	102,700,000
Unamortized discount	41,000,000.0
Deferred financing costs	$ 4,200,000
Common Class A \| 2024 Convertible Notes
Debt Instrument [Line Items]
Conversion rate per $1,000 principal amount (shares)	100
Conversion price, per share (usd per share) \| $ / shares	$ 10.00
Senior Notes \| 2024 Convertible Notes
Debt Instrument [Line Items]
Principal amount		$ 143,750,000
Effective interest rate		9.00%
Debt discount and issuance costs		$ 26,557,000	$ 32,439,000
Senior Notes \| Holder option \| Common Class A \| 2024 Convertible Notes
Debt Instrument [Line Items]
Threshold trading days (whether or not consecutive) \| day	20
Threshold consecutive trading days \| day	30
Threshold percentage of stock price trigger	130.00%
Early conversion condition, business day period	5 days
Measurement period	5 days
Early conversion condition, percent of product of the last reported sale price of stock	98.00%
Senior Notes \| Company option \| Common Class A \| 2024 Convertible Notes
Debt Instrument [Line Items]
Threshold trading days (whether or not consecutive) \| day	20
Threshold consecutive trading days \| day	30
Threshold percentage of stock price trigger	130.00%
Repurchase price, percent of principal amount	100.00%
Convertible Notes Embedded Derivative
Debt Instrument [Line Items]
Conversion feature accounted for as an equity-classified instrument	$ 39,800,000
Additional paid-in capital	$ 25,300,000	$ 25,300,000
Measurement Input, Discount Rate \| Liability Component of Convertible Debt \| 2024 Convertible Notes
Debt Instrument [Line Items]
Fair value assumptions, discount rate		0.08

Debt - Cash Convertible Senior Notes Due 2019 (Details) - USD ($)	1 Months Ended
	Jul. 31, 2017	Jul. 31, 2014	Jun. 30, 2014	Sep. 30, 2019	Jun. 15, 2019
2024 Convertible Notes
Debt Instrument [Line Items]
Stated interest rate	2.875%
Convertible senior notes issued and settled	$ 34,400,000
2.125% Cash Convertible Senior Notes Due 2019
Debt Instrument [Line Items]
Stated interest rate			2.125%	2.125%
Convertible senior notes issued and settled		$ 30,000,000	$ 200,000,000
Amount of retired debt	$ 35,000,000.0
Repurchased amount					$ 195,000,000.0

Debt - 2019 Convertible Notes Hedges and Warrants (Details) - Net-share-settled Warrants - Common Class A - $ / shares	Sep. 30, 2020	Sep. 30, 2019
Debt Instrument [Line Items]
Maximum shares called by warrant (shares)	0	14,300,000
Strike price for warrants (usd per share)		$ 20.83
Class of warrant or right outstanding (shares)	0

Debt - CASHMAX Secured Borrowing Facility (Details) $ in Millions	Nov. 30, 2018 CAD ($)
Receivables Securitization Facility \| CASHMAX \| Variable Interest Entity, Primary Beneficiary
Debt Instrument [Line Items]
Maximum borrowing amount	$ 25

Common Stock and Stock Compensation - Additional Disclosures (Details)	1 Months Ended							2 Months Ended	6 Months Ended	7 Months Ended	12 Months Ended
	Nov. 30, 2020 shares	May 31, 2020 $ / shares shares	Dec. 31, 2019 USD ($)	Nov. 30, 2019 $ / shares shares	Jul. 31, 2019 $ / shares shares	Nov. 30, 2018 $ / shares shares	Dec. 31, 2017 $ / shares shares	May 31, 2019 director $ / shares shares	Apr. 30, 2017 $ / shares shares	Sep. 30, 2020 USD ($) shares	Sep. 30, 2020 USD ($) $ / shares shares	Sep. 30, 2019 USD ($) $ / shares	Sep. 30, 2018 USD ($) $ / shares	Sep. 30, 2017	May 01, 2010 shares
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock repurchase program, period (in years)			3 years
Share-based compensation costs \| $											$ (5,094,000)	$ 9,751,000	$ 10,784,000
Restricted stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted in period (in shares)											1,472,578
Weighted average grant-date fair value per share granted (usd per share) \| $ / shares											$ 5.73	$ 9.29	$ 9.75
Restricted stock \| Non-employee directors
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Award vesting period											2 years
Restricted stock \| Non-employee directors \| Vesting Tranche 1
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage														50.00%
Restricted stock \| Non-employee directors \| Vesting Tranche 2
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vesting rights percentage													50.00%
Restricted Stock and Phantom Share-Based Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Unamortized fair value of awards \| $										$ 1,200,000	$ 1,200,000
Weighted average period over which costs amortized											2 years
2010 Plan \| Non-employee directors
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of new non-employee directors \| director								7
2010 Plan \| Restricted stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share-based payment award, options, grants in period, weighted average grant date fair value (usd per share) \| $ / shares							$ 9.75		$ 9.60
2010 Plan \| Restricted stock \| Non-employee directors
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted in period (in shares)		12,346		222,912		59,812	84,250	60,088	72,500
Weighted average grant-date fair value per share granted (usd per share) \| $ / shares		$ 5.24		$ 4.89		$ 9.18		$ 10.64
2010 Plan \| Restricted stock \| Employee
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Awards granted in period (in shares)					61,138	971,615	1,308,533		931,260
Weighted average grant-date fair value per share granted (usd per share) \| $ / shares					$ 10.04	$ 9.18
Share-based compensation costs \| $											$ (2,900,000)
2010 Plan \| Restricted stock \| Employee \| Subsequent event
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common stock repurchased and retired (in shares)	458,960
2010 Plan \| Restricted stock \| Employee \| Vesting Tranche 1
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common stock repurchased and retired (in shares)							190,725				81,896
Common stock repurchased and retired \| $											$ 800,000
Awards granted in period (in shares)									463,467
2010 Plan \| Restricted stock \| Employee \| Vesting Tranche 1 \| Subsequent event
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common stock repurchased and retired (in shares)	446,983
Common Stock Class A Non-Voting
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock repurchase program, amount authorized \| $			$ 60,000,000.0
Common stock repurchased and retired (in shares)										943,149
Common stock repurchased and retired \| $										$ 5,200,000
Common Stock Class A Non-Voting \| 2010 Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (in shares)															5,485,649
Increase of shares authorized for grant (in shares)						400,000	1,100,000

Common Stock and Stock Compensation - Compensation Costs (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Share-based Payment Arrangement [Abstract]
Share-based compensation costs	$ (5,094)	$ 9,751	$ 10,784
Income tax expense (benefit) on share-based compensation	$ 420	$ (1,098)	$ (1,656)

Common Stock and Stock Compensation - Restricted Stock Award Activity (Details) - USD ($) $ / shares in Units, $ in Millions	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Restricted stock
Shares
Outstanding, beginning balance (in shares)	3,451,024
Granted (in shares)	1,472,578
Vested and released (in shares)	(989,223)
Forfeited (in Shares)	(2,825,459)
Outstanding, ending balance (in shares)	1,108,920	3,451,024
Weighted Average Grant Date Fair Value
Outstanding, beginning balance (usd per share)	$ 9.28
Granted (usd per share)	5.73	$ 9.29	$ 9.75
Vested and released (usd per share)	8.67
Forfeited (usd per share)	8.59
Outstanding, ending balance (usd per share)	$ 5.65	9.28
Number of shares withheld to satisfy related federal income tax withholding (in shares)	268,798
Weighted average grant-date fair value per share granted (usd per share)	$ 5.73	$ 9.29	$ 9.75
Restricted Stock and Phantom Share-Based Awards
Weighted Average Grant Date Fair Value
Total grant date fair value of shares vested	$ 5.1	$ 11.8	$ 2.3

Income Taxes - Foreign and Domestic Income Components (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Income Tax Disclosure [Abstract]
Domestic	$ (31,989)	$ (9,609)	$ 28,645
Foreign	(38,106)	13,783	26,894
Income from continuing operations before income taxes	$ (70,095)	$ 4,174	$ 55,539

- Definition

Amount of income (loss) from continuing operations, including income (loss) from equity method investments, before deduction of income tax expense (benefit), and income (loss) attributable to noncontrolling interest.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 32
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8933-108599

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 30
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8906-108599

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 32
-Subparagraph (f)
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8933-108599

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 940
-SubTopic 20
-Section 25
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=68072869&loc=d3e41242-110953

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 22
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8736-108599

Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03(10))
-URI http://asc.fasb.org/extlink&oid=120395209&loc=SL114868664-224227

Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 220
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04(8))
-URI http://asc.fasb.org/extlink&oid=120400993&loc=SL114874131-224263

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 235
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-05(b)(2))
-URI http://asc.fasb.org/extlink&oid=120399901&loc=d3e537907-122884

Reference 9: http://www.xbrl.org/2003/role/exampleRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 31
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8924-108599

Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 220
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04(15))
-URI http://asc.fasb.org/extlink&oid=120399700&loc=SL114874048-224260

+ Details

Income Taxes - Components of Income Tax Provision (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Current:
Federal	$ (6,631)	$ 431	$ (26)
State and foreign	10,544	704	9,288
Total	3,913	1,135	9,262
Deferred:
Federal	(1,561)	(4,264)	9,498
State and foreign	(3,984)	5,535	(371)
Total	(5,545)	1,271	9,127
Total income tax (benefit) expense	$ (1,632)	$ 2,406	18,389
Charge resulting from remeasured deferred tax asset			2,100
Charge resulting from recording valuation allowance not likely to be utilized			$ 2,600

Income Taxes - Reconciliation of Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Provision for income taxes attributable to continuing operations
Income tax (benefit) expense at the federal statutory rate	$ (14,720)	$ 878	$ 13,623
State taxes, net of federal benefit	951	184	1,265
Mexico inflation adjustment	(1,120)	(801)	(936)
Non-deductible items	772	2,088	2,214
Tax credits	0	(551)	(615)
Foreign rate differential	(1,671)	1,080	1,405
Change in valuation allowance	962	1,601	3,986
Stock compensation	598	(711)	0
Uncertain tax positions	2,849	(1,596)	(4,808)
Change in tax rate resulting from enactment of the Act	0	0	2,558
Non-deductible impairment	9,093	0	0
Other	654	234	(303)
Total income tax (benefit) expense	$ (1,632)	$ 2,406	$ 18,389
Effective tax rate	2.00%	58.00%	33.00%

Income Taxes - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
Deferred tax assets:
Cash Converters International	$ 15,049	$ 14,616
Tax over book inventory	9,737	6,858
Accrued liabilities	8,924	4,518
Pawn service charges receivable	1,019	1,699
Stock compensation	1,565	2,758
Foreign tax credit	1,696	2,638
State and foreign net operating loss carryforwards	15,990	15,806
Book over tax depreciation	4,651	2,659
Other	4,350	2,159
Total deferred tax assets before valuation allowance	62,981	53,711
Valuation allowance	(18,524)	(18,094)
Net deferred tax assets	44,457	35,617
Deferred tax liabilities:
Tax over book amortization	22,444	19,042
Note receivable discount	12,257	15,416
Prepaid expenses	1,349	1,146
Total deferred tax liabilities	36,050	35,604
Net deferred tax asset	$ 8,407	$ 13

Income Taxes - Additional Disclosures (Details) - USD ($) $ in Millions	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Operating Loss Carryforwards [Line Items]
Increase (decrease) to the valuation allowance	$ (0.4)
Undistributed losses of foreign subsidiaries	63.0
Undistributed earnings of foreign subsidiaries, estimated taxes recognized upon distribution	3.5
Income tax penalties and interest expense	1.2	$ 0.2	$ (0.3)
Accrued interest and penalties	1.5	$ 0.3
State Jurisdiction
Operating Loss Carryforwards [Line Items]
Operating loss carryforward	123.0
Foreign Tax Authority
Operating Loss Carryforwards [Line Items]
Operating loss carryforward	42.0
Tax credit carryforward	$ 1.7

Income Taxes - Unrecognized Tax Benefits (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Reconciliation of Unrecognized Tax Benefits
Beginning balance	$ 1,435	$ 3,091	$ 6,530
Increase for tax positions taken during a prior period	1,401	0	963
Increase for tax positions taken during the current period	249	0	0
Decrease for tax positions as a result of the lapse of the statute of limitations	0	(1,656)	(4,402)
Ending balance	$ 3,085	$ 1,435	$ 3,091

Leases - Additional Information (Details) $ in Thousands	1 Months Ended	3 Months Ended		12 Months Ended
Leases - Additional Information (Details) $ in Thousands	Dec. 31, 2014 USD ($)	Sep. 30, 2020 USD ($)	Mar. 31, 2015 USD ($)	Sep. 30, 2020 USD ($) extension_option	Sep. 30, 2018	Oct. 01, 2019 USD ($)	Sep. 30, 2017 USD ($)	Sep. 30, 2016 USD ($)
Lessee, Lease, Description [Line Items]
Weighted average remaining lease term for operating leases (in years)		5 years 2 months 12 days		5 years 2 months 12 days
Weighted average incremental borrowing rate used to measure lease liabilities		7.37%		7.37%
Right-of-use asset		$ 183,809		$ 183,809		$ 246,028
Operating lease, liability		$ 202,782		$ 202,782		246,028
Initial term of lease (in years)		10 years		10 years
Estimated minimum future rental payments		$ 246,168		$ 246,168
Impairment charges		$ 5,000
Operating lease right of use asset non cash				29,200
Operating lease liability non cash				$ 29,200
Revision of Prior Period, Error Correction, Adjustment
Lessee, Lease, Description [Line Items]
Right-of-use asset						(18,000)
Operating lease, liability						$ (18,000)
Corporate Office Lease, Two Five-Year Extension Options
Lessee, Lease, Description [Line Items]
Initial term of lease (in years)	13 years
Annual rent at lease inception	$ 2,500
Annual rent in the terminal year of lease	$ 3,900
Number of extension options \| extension_option				2
Renewable term of lease (in years)		5 years		5 years
Estimated minimum future rental payments		$ 38,100		$ 38,100
Estimated future minimum sublease payments							$ 12,200	$ 12,200
Initial leased premises surrendered					15.00%
Regional Offices Sublease
Lessee, Lease, Description [Line Items]
Estimated future minimum sublease payments			$ 2,900
Sublease term (in years)			9 years

Leases - Assets and Liabilities Recognized Upon Adoption (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Oct. 01, 2019
Leases [Abstract]
Right-of-use asset	$ 183,809	$ 246,028
Straight-line rent accrual		(8,479)
Net lease right-of-use asset		237,549
Lease liability, current	49,742	45,272
Lease liability, non-current	153,040	200,756
Total lease liability	$ 202,782	$ 246,028

Leases - Lease Cost (Details) $ in Thousands	12 Months Ended
Leases - Lease Cost (Details) $ in Thousands	Sep. 30, 2020 USD ($)
Leases [Abstract]
Operating lease expense	$ 62,925
Variable lease expense	11,846
Total lease expense	$ 74,771

Leases - Operating Lease Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Oct. 01, 2019
Leases [Abstract]
2021	$ 66,079
2022	50,895
2023	39,076
2024	28,602
2025	19,877
Thereafter	41,639
Total lease liabilities	246,168
Less: Portion representing interest	43,386
Total lease liability	202,782	$ 246,028
Less: Current portion	49,742	45,272
Total long term net lease liabilities	$ 153,040	$ 200,756

Leases - Schedule of Future Minimum Rental Payments (Details) $ in Thousands	Sep. 30, 2019 USD ($)
Leases [Abstract]
2020	$ 69,291
2021	60,588
2022	46,720
2023	32,062
2024	19,969
Thereafter	39,256
Total future minimum rental payments	$ 267,886

Leases - Rent Expense (Details) - USD ($) $ in Thousands	12 Months Ended
Leases - Rent Expense (Details) - USD ($) $ in Thousands	Sep. 30, 2019	Sep. 30, 2018
Leases [Abstract]
Gross rent expense from continuing operations	$ 65,295	$ 61,821
Sublease rent revenue from continuing operations	(35)	(109)
Net rent expense from continuing operations	$ 65,260	$ 61,712

Segment Information - Operating Segment Information (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Revenues:
Total revenues	$ 166,860	$ 210,233	$ 223,283	$ 222,435	$ 214,339	$ 202,465	$ 214,730	$ 215,695	$ 822,811	$ 847,229	$ 812,156
Net revenues	$ 89,617	$ 102,184	$ 127,365	$ 130,069	$ 120,856	$ 115,853	$ 127,690	$ 130,049	449,235	494,448	481,551
Segment and corporate expenses (income)
Operations									341,040	358,253	334,841
Administrative									49,897	55,990	53,639
Impairment of goodwill, intangible and other assets									54,666	0	0
Depreciation and amortization									30,827	28,797	25,484
Loss (gain) on sale or disposal of assets and other									801	4,399	463
Other charges									20,388	0	0
Interest expense									22,472	32,637	27,834
Interest income									(3,173)	(11,086)	(17,041)
Equity in net loss of unconsolidated affiliates									2,429	135	(5,529)
Impairment of investment in unconsolidated affiliates									0	19,725	11,712
Other (income) expense									(17)	1,424	(5,391)
Income from continuing operations before income taxes									(70,095)	4,174	55,539
Lana
Revenues:
Total revenues									34	0	0
Operating Segments
Revenues:
Total revenues									822,811	847,229	812,156
Net revenues									449,235	494,448	481,551
Segment and corporate expenses (income)
Operations									341,040	358,253	334,841
Administrative									0	0	0
Impairment of goodwill, intangible and other assets									47,087	0	0
Depreciation and amortization									19,471	18,375	17,121
Loss (gain) on sale or disposal of assets and other									293	4,375	230
Other charges									11,881
Interest expense									1,234	2,100	96
Interest income									(1,586)	(1,601)	(2,619)
Equity in net loss of unconsolidated affiliates									2,429	135	(5,529)
Impairment of investment in unconsolidated affiliates										19,725	11,712
Other (income) expense									(150)	1,802	(177)
Income from continuing operations before income taxes									27,536	91,284	125,876
Operating Segments \| U.S. Pawn
Revenues:
Total revenues									638,843	650,413	635,780
Net revenues									359,235	385,959	378,955
Segment and corporate expenses (income)
Operations									261,608	269,003	263,094
Administrative									0	0	0
Impairment of goodwill, intangible and other assets									10,000	0	0
Depreciation and amortization									11,030	11,879	12,869
Loss (gain) on sale or disposal of assets and other									385	3,402	203
Other charges									3,106
Interest expense									0	0	71
Interest income									0	0	0
Equity in net loss of unconsolidated affiliates									0	0	0
Impairment of investment in unconsolidated affiliates										0	0
Other (income) expense									0	0	(3)
Income from continuing operations before income taxes									73,106	101,675	102,721
Operating Segments \| Latin America Pawn
Revenues:
Total revenues									180,111	191,185	168,256
Net revenues									87,096	105,196	96,173
Segment and corporate expenses (income)
Operations									69,916	74,199	61,553
Administrative									0	0	0
Impairment of goodwill, intangible and other assets									35,938	0	0
Depreciation and amortization									7,315	6,267	4,068
Loss (gain) on sale or disposal of assets and other									(72)	691	27
Other charges									1,715
Interest expense									685	1,609	25
Interest income									(1,586)	(1,601)	(2,619)
Equity in net loss of unconsolidated affiliates									0	0	0
Impairment of investment in unconsolidated affiliates										0	0
Other (income) expense									(156)	(93)	(42)
Income from continuing operations before income taxes									(26,659)	24,124	33,161
Operating Segments \| Lana
Revenues:
Total revenues									34	0	0
Net revenues									34	0	0
Segment and corporate expenses (income)
Operations									4,270	7,675	0
Administrative									0	0	0
Impairment of goodwill, intangible and other assets									0	0	0
Depreciation and amortization									1,058	10	0
Loss (gain) on sale or disposal of assets and other									0	0	0
Other charges									3,258
Interest expense									0	0	0
Interest income									0	0	0
Equity in net loss of unconsolidated affiliates									0	0	0
Impairment of investment in unconsolidated affiliates										0	0
Other (income) expense									0	0	0
Income from continuing operations before income taxes									(8,552)	(7,685)	0
Operating Segments \| Other International
Revenues:
Total revenues									3,823	5,631	8,120
Net revenues									2,870	3,293	6,423
Segment and corporate expenses (income)
Operations									5,246	7,376	10,194
Administrative									0	0	0
Impairment of goodwill, intangible and other assets									1,149	0	0
Depreciation and amortization									68	219	184
Loss (gain) on sale or disposal of assets and other									(20)	282	0
Other charges									3,802
Interest expense									549	491	0
Interest income									0	0	0
Equity in net loss of unconsolidated affiliates									2,429	135	(5,529)
Impairment of investment in unconsolidated affiliates										19,725	11,712
Other (income) expense									6	1,895	(132)
Income from continuing operations before income taxes									(10,359)	(26,830)	(10,006)
Corporate
Revenues:
Total revenues									0	0	0
Net revenues									0	0	0
Segment and corporate expenses (income)
Operations									0	0	0
Administrative									49,897	55,990	53,639
Impairment of goodwill, intangible and other assets									7,579	0	0
Depreciation and amortization									11,356	10,422	8,363
Loss (gain) on sale or disposal of assets and other									508	24	233
Other charges									8,507
Interest expense									21,238	30,537	27,738
Interest income									(1,587)	(9,485)	(14,422)
Equity in net loss of unconsolidated affiliates									0	0	0
Impairment of investment in unconsolidated affiliates										0	0
Other (income) expense									133	(378)	(5,214)
Income from continuing operations before income taxes									(97,631)	(87,110)	(70,337)
Merchandise
Revenues:
Total revenues									498,213	453,375	438,372
Cost of goods sold									334,481	297,508	276,618
Merchandise \| Operating Segments
Revenues:
Total revenues									498,213	453,375	438,372
Cost of goods sold									334,481	297,508	276,618
Merchandise \| Operating Segments \| U.S. Pawn
Revenues:
Total revenues									391,921	355,996	350,699
Cost of goods sold									251,544	225,136	216,408
Merchandise \| Operating Segments \| Latin America Pawn
Revenues:
Total revenues									106,292	97,379	87,673
Cost of goods sold									82,937	72,372	60,210
Merchandise \| Operating Segments \| Lana
Revenues:
Total revenues									0	0	0
Cost of goods sold									0	0	0
Merchandise \| Operating Segments \| Other International
Revenues:
Total revenues									0	0	0
Cost of goods sold									0	0	0
Merchandise \| Corporate
Revenues:
Total revenues									0	0	0
Cost of goods sold									0	0	0
Jewelry Scrapping
Revenues:
Total revenues									47,953	60,445	60,752
Cost of goods sold									38,041	52,935	52,290
Jewelry Scrapping \| Operating Segments
Revenues:
Total revenues									47,953	60,445	60,752
Cost of goods sold									38,041	52,935	52,290
Jewelry Scrapping \| Operating Segments \| U.S. Pawn
Revenues:
Total revenues									36,691	45,815	47,745
Cost of goods sold									28,064	39,318	40,417
Jewelry Scrapping \| Operating Segments \| Latin America Pawn
Revenues:
Total revenues									11,262	14,630	13,007
Cost of goods sold									9,977	13,617	11,873
Jewelry Scrapping \| Operating Segments \| Lana
Revenues:
Total revenues									0	0	0
Cost of goods sold									0	0	0
Jewelry Scrapping \| Operating Segments \| Other International
Revenues:
Total revenues									0	0	0
Cost of goods sold									0	0	0
Jewelry Scrapping \| Corporate
Revenues:
Total revenues									0	0	0
Cost of goods sold									0	0	0
Pawn service charges
Revenues:
Total revenues									272,638	327,366	304,577
Pawn service charges \| Operating Segments
Revenues:
Total revenues									272,638	327,366	304,577
Pawn service charges \| Operating Segments \| U.S. Pawn
Revenues:
Total revenues									210,081	248,369	237,086
Pawn service charges \| Operating Segments \| Latin America Pawn
Revenues:
Total revenues									62,557	78,997	67,491
Pawn service charges \| Operating Segments \| Lana
Revenues:
Total revenues									0	0	0
Pawn service charges \| Operating Segments \| Other International
Revenues:
Total revenues									0	0	0
Pawn service charges \| Corporate
Revenues:
Total revenues									0	0	0
Other
Revenues:
Total revenues									4,007	6,043	8,455
Cost of goods sold									1,054	2,338	1,697
Other \| Operating Segments
Revenues:
Total revenues									4,007	6,043	8,455
Cost of goods sold									1,054	2,338	1,697
Other \| Operating Segments \| U.S. Pawn
Revenues:
Total revenues									150	233	250
Cost of goods sold									0	0	0
Other \| Operating Segments \| Latin America Pawn
Revenues:
Total revenues									0	179	85
Cost of goods sold									101	0	0
Other \| Operating Segments \| Lana
Revenues:
Total revenues									34	0	0
Cost of goods sold									0	0	0
Other \| Operating Segments \| Other International
Revenues:
Total revenues									3,823	5,631	8,120
Cost of goods sold									953	2,338	1,697
Other \| Corporate
Revenues:
Total revenues									0	0	0
Cost of goods sold									$ 0	$ 0	$ 0

Segment Information - Reconciliation of Segment Assets (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
Segment Reporting Information [Line Items]
Pawn loans	$ 131,323	$ 199,058
Pawn service charges receivable, net	20,580	31,802
Inventory, net	95,891	179,355
Total assets	1,197,023	1,083,702
Operating Segments \| U.S. Pawn
Segment Reporting Information [Line Items]
Pawn loans	106,340	157,408
Pawn service charges receivable, net	17,931	27,623
Inventory, net	75,807	142,266
Total assets	690,157	635,152
Operating Segments \| Latin America Pawn
Segment Reporting Information [Line Items]
Pawn loans	24,983	41,650
Pawn service charges receivable, net	2,649	4,179
Inventory, net	20,084	37,089
Total assets	191,827	202,565
Other assets not identified in table above	194,800
Operating Segments \| Lana
Segment Reporting Information [Line Items]
Pawn loans	0	0
Pawn service charges receivable, net	0	0
Inventory, net	0	0
Total assets	4,528	5,918
Operating Segments \| Other International
Segment Reporting Information [Line Items]
Pawn loans	0	0
Pawn service charges receivable, net	0	0
Inventory, net	0	0
Total assets	34,118	35,041
Corporate
Segment Reporting Information [Line Items]
Pawn loans	0	0
Pawn service charges receivable, net	0	0
Inventory, net	0	0
Total assets	$ 276,393	$ 205,026

Segment Information - Revenues and Long-Lived Assets by Geographic Information (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Revenues from External Customers and Long-Lived Assets [Line Items]
Total revenues	$ 166,860	$ 210,233	$ 223,283	$ 222,435	$ 214,339	$ 202,465	$ 214,730	$ 215,695	$ 822,811	$ 847,229	$ 812,156
Total long-lived assets	56,986				67,357				56,986	67,357
Lana
Revenues from External Customers and Long-Lived Assets [Line Items]
Total revenues									34	0	0
United States
Revenues from External Customers and Long-Lived Assets [Line Items]
Total revenues									638,844	650,413	635,780
Total long-lived assets	36,361				43,274				36,361	43,274
Mexico
Revenues from External Customers and Long-Lived Assets [Line Items]
Total revenues									131,965	138,897	122,702
Total long-lived assets	15,141				18,566				15,141	18,566
Other Latin America
Revenues from External Customers and Long-Lived Assets [Line Items]
Total revenues									48,146	52,288	45,554
Total long-lived assets	5,484				5,432				5,484	5,432
Canada and other
Revenues from External Customers and Long-Lived Assets [Line Items]
Total revenues									3,822	5,631	$ 8,120
Total long-lived assets	$ 0				$ 85				$ 0	$ 85

- Definition

Amount, excluding tax collected from customer, of revenue from satisfaction of performance obligation by transferring promised good or service to customer. Tax collected from customer is tax assessed by governmental authority that is both imposed on and concurrent with specific revenue-producing transaction, including, but not limited to, sales, use, value added and excise.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 30
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8906-108599

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 40
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e9031-108599

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 41
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e9038-108599

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 32
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8933-108599

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 32
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8933-108599

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 606
-SubTopic 10
-Section 50
-Paragraph 4
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=121604090&loc=SL49130543-203045

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 22
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8736-108599

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 22
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8736-108599

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 42
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e9054-108599

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 606
-SubTopic 10
-Section 50
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=121604090&loc=SL49130545-203045

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 924
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SAB Topic 11.L)
-URI http://asc.fasb.org/extlink&oid=6472922&loc=d3e499488-122856

+ Details

Supplemental Consolidated Financial Information - Supplemental Consolidated Balance Sheet Information (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Sep. 30, 2019
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Gross pawn service charges receivable	$ 27,259	$ 41,838
Allowance for uncollectible pawn service charges receivable	(6,679)	(10,036)
Pawn service charges receivable, net	20,580	31,802
Gross inventory	108,205	189,092
Inventory reserves	(12,314)	(9,737)
Inventory, net	95,891	179,355
Prepaid expenses and other	10,614	4,784
Accounts receivable and other	6,991	10,889
Income taxes prepaid and receivable	15,298	10,248
Prepaid expenses and other current assets	32,903	25,921
Accounts payable	19,114	25,946
Accrued payroll	12,993	6,149
Bonus accrual	4,895	9,901
Other payroll related expenses	9,071	5,040
Accrued interest	2,793	2,793
Accrued rent and property taxes	6,545	11,702
Accrued sales and VAT taxes	9,291	10,680
Deferred revenues	2,986	2,929
Other accrued expenses	3,173	2,510
Income taxes payable	643	307
Account payable, accrued expenses and other current liabilities	71,504	77,957
Unrecognized tax benefits, non-current	4,214	1,362
Other long-term liabilities	6,635	5,940
Other long-term liabilities	$ 10,849	$ 7,302

Supplemental Consolidated Financial Information - Valuation and Qualifying Accounts (Details) - USD ($) $ in Thousands	12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Allowance for valuation of inventory
Valuation and Qualifying Accounts
Balance at Beginning of Period	$ 9,737	$ 9,201	$ 6,801
Charged to Expense	2,577	536	2,400
Charged to Revenue	0	0	0
Deductions	0	0	0
Balance at End of Period	12,314	9,737	9,201
Allowance for uncollectible pawn service charges receivable
Valuation and Qualifying Accounts
Balance at Beginning of Period	10,036	9,760	9,129
Charged to Expense	0	0	0
Charged to Revenue	0	276	631
Deductions	3,357	0	0
Balance at End of Period	6,679	10,036	9,760
Allowance for uncollectible consumer loan fees and interest receivable
Valuation and Qualifying Accounts
Balance at Beginning of Period	540	331	283
Charged to Expense	0	0	0
Charged to Revenue	0	209	48
Deductions	540	0	0
Balance at End of Period	0	540	331
Allowance for valuation of deferred tax assets
Valuation and Qualifying Accounts
Balance at Beginning of Period	18,094	20,254	17,860
Charged to Expense	430	0	2,394
Charged to Revenue	0	0	0
Deductions	0	2,160	0
Balance at End of Period	$ 18,524	$ 18,094	$ 20,254

Quarterly Information (Unaudited) - Schedule of Quarterly Information (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Sep. 30, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2018
Quarterly Information
Total revenues	$ 166,860	$ 210,233	$ 223,283	$ 222,435	$ 214,339	$ 202,465	$ 214,730	$ 215,695	$ 822,811	$ 847,229	$ 812,156
Net revenues	89,617	102,184	127,365	130,069	120,856	115,853	127,690	130,049	449,235	494,448	481,551
(Loss) income from continuing operations, net of tax					(592)	3,361	2,659	(3,660)	(68,463)	1,768	37,150
(Loss) income from discontinued operations, net of tax					(53)	(203)	(18)	(183)	0	(457)	(856)
Net income (loss)	$ (23,340)	$ (5,487)	$ (40,874)	$ 1,238	(645)	3,158	2,641	(3,843)	$ (68,463)	$ 1,311	$ 36,294
Continuing operations (usd per share)	$ (0.42)	$ (0.10)	$ (0.74)	$ 0.02					$ (1.24)	$ 0.05	$ 0.70
Continuing operations (usd per share)	$ (0.42)	$ (0.10)	$ (0.74)	$ 0.02					$ (1.24)	$ 0.05	$ 0.66
Net (loss) income attributable to noncontrolling interest					0	0	(753)	(477)
Net (loss) income attributable to EZCORP, Inc.					$ (645)	$ 3,158	$ 3,394	$ (3,366)	$ (68,463)	$ 2,541	$ 37,282
Basic earnings per share (usd per share)					$ (0.01)	$ 0.06	$ 0.06	$ (0.06)	$ (1.24)	$ 0.04	$ 0.68
Diluted earnings per share (usd per share)					$ (0.01)	$ 0.06	$ 0.06	$ (0.06)	$ (1.24)	$ 0.04	$ 0.64

Label	Element	Value
Restricted Cash	us-gaap_RestrictedCash	$ 8,011,000
Restricted Cash	us-gaap_RestrictedCash	4,875,000
Restricted Cash	us-gaap_RestrictedCash	$ 267,000