0000876523-21-000037 | 10-Q | XBRL Viewer

Cover Page - shares	6 Months Ended
Cover Page - shares	Mar. 31, 2021	Apr. 30, 2021
Document Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2021
Current Fiscal Year End Date	--03-31
Document Transition Report	false
Entity File Number	0-19424
Entity Registrant Name	EZCORP, INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	74-2540145
Entity Address, Address Line One	2500 Bee Cave Road
Entity Address, Address Line Two	Bldg One
Entity Address, Address Line Three	Suite 200
Entity Address, City or Town	Rollingwood
Entity Address, State or Province	TX
Entity Address, Postal Zip Code	78746
City Area Code	512
Local Phone Number	314-3400
Title of 12(b) Security	Class A Non-voting Common Stock, par value $.01 per share
Trading Symbol	EZPW
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Amendment Flag	false
Entity Central Index Key	0000876523
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	Q2
Common Stock Class A Non-voting
Document Information [Line Items]
Entity Common Stock, Shares Outstanding		52,873,568
Common Stock Class B Voting
Document Information [Line Items]
Entity Common Stock, Shares Outstanding		2,970,171
No Trading Symbol Class B

Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2021	Sep. 30, 2020	Mar. 31, 2020
Current assets:
Cash and cash equivalents	$ 335,638	$ 304,542	$ 193,729
Restricted cash	8,006	8,011	4,000
Pawn loans	125,268	131,323	160,179
Pawn service charges receivable, net	20,842	20,580	27,304
Inventory, net	86,214	95,891	173,251
Notes receivable, net	0	0	3,728
Prepaid expenses and other current assets	30,676	32,903	23,629
Total current assets	606,644	593,250	585,820
Investments in unconsolidated affiliates	34,961	32,458	27,993
Property and equipment, net	51,836	56,986	58,787
Lease right-of-use asset	170,479	183,809	206,839
Goodwill	258,199	257,582	257,222
Intangible assets, net	58,125	58,638	64,043
Notes receivable, net	1,164	1,148	1,132
Deferred tax asset, net	9,693	8,931	6,251
Other assets	5,152	4,221	5,045
Total assets	1,196,253	1,197,023	1,213,132
Current liabilities:
Current maturities of long-term debt, net	0	213	267
Accounts payable, accrued expenses and other current liabilities	69,019	71,504	53,152
Customer layaway deposits	11,401	11,008	13,060
Lease liability	41,060	49,742	44,076
Total current liabilities	121,480	132,467	110,555
Long-term debt, net	257,143	251,016	244,288
Deferred tax liability, net	167	524	2,540
Lease liability	138,622	153,040	171,006
Other long-term liabilities	9,597	10,849	7,190
Total liabilities	527,009	547,896	535,579
Commitments and Contingencies (Note 11)
Stockholders’ equity:
Additional paid-in capital	399,439	398,475	406,171
Retained earnings	327,798	318,169	347,004
Accumulated other comprehensive loss	(58,551)	(68,068)	(76,173)
Total equity	669,244	649,127	677,553
Total liabilities and equity	1,196,253	1,197,023	1,213,132
Common Stock Class A Non-voting
Stockholders’ equity:
Common stock	528	521	521
Common Stock Class B Voting
Stockholders’ equity:
Common stock	$ 30	$ 30	$ 30

Condensed Consolidated Balance Sheets (Parenthetical) - $ / shares	Mar. 31, 2021	Sep. 30, 2020	Mar. 31, 2020
Common Stock Class A Non-voting
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	100,000,000	100,000,000	100,000,000
Common stock, shares issued (in shares)	52,873,568	52,332,848	52,097,590
Common stock, shares outstanding (in shares)	52,873,568	52,332,848	52,097,590
Common Stock Class B Voting
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	3,000,000	3,000,000	3,000,000
Common stock, shares issued (in shares)	2,970,171	2,970,171	2,970,171
Common stock, shares outstanding (in shares)	2,970,171	2,970,171	2,970,171

Condensed Consolidated Statements of Operations - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Mar. 31, 2021	Mar. 31, 2020
Revenues:
Total revenues	$ 184,939	$ 223,280	$ 363,074	$ 445,714
Net revenues	113,748	127,362	222,138	257,430
Operating expenses:
Store expenses	81,149	87,648	160,458	176,923
General and administrative	13,771	15,341	26,281	34,179
Impairment of goodwill, intangible and other assets	0	47,060	0	47,060
Depreciation and amortization	8,089	7,762	15,661	15,495
Loss on sale or disposal of assets and other	112	261	90	1,005
Total operating expenses	103,121	158,072	202,490	274,662
Operating income (loss)	10,627	(30,710)	19,648	(17,232)
Interest expense	5,518	5,881	10,973	11,210
Interest income	(585)	(941)	(1,406)	(1,784)
Equity in net (income) loss of unconsolidated affiliates	(1,250)	(1,184)	(1,766)	4,713
Other expense (income)	145	(341)	(454)	(243)
Income (loss) before income taxes	6,799	(34,125)	12,301	(31,128)
Income tax expense	1,469	6,749	2,672	8,508
Net income (loss)	$ 5,330	$ (40,874)	$ 9,629	$ (39,636)
Basic earnings (loss) per share (in dollars per share)	$ 0.10	$ (0.74)	$ 0.17	$ (0.71)
Diluted earnings (loss) per share (in dollars per share)	$ 0.10	$ (0.74)	$ 0.17	$ (0.71)
Weighted-average basic shares outstanding (in shares)	55,661	55,448	55,509	55,557
Weighted-average diluted shares outstanding (in shares)	55,665	55,522	55,511	55,608
Merchandise
Revenues:
Total revenues	$ 115,225	$ 129,830	$ 223,008	$ 256,558
Cost of revenues	65,790	85,776	130,333	169,852
Jewelry scrapping
Revenues:
Total revenues	6,075	11,878	12,834	21,406
Cost of revenues	5,401	9,617	10,603	17,371
Pawn service charges
Revenues:
Total revenues	63,436	80,222	126,925	164,947
Other
Revenues:
Total revenues	203	1,350	307	2,803
Cost of revenues	$ 0	$ 525	$ 0	$ 1,061

Condensed Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Mar. 31, 2021	Mar. 31, 2020
Statement of Comprehensive Income [Abstract]
Net income (loss)	$ 5,330	$ (40,874)	$ 9,629	$ (39,636)
Other comprehensive (loss) income:
Foreign currency translation adjustment, net of tax	(1,760)	(29,846)	9,517	(23,775)
Comprehensive income (loss)	$ 3,570	$ (70,720)	$ 19,146	$ (63,411)

- Definition

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

+ References

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

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 1A
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=121641772&loc=SL7669619-108580

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 205
-SubTopic 20
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=109222650&loc=SL51721683-107760

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 250
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (b)(2)
-URI http://asc.fasb.org/extlink&oid=109234566&loc=d3e22499-107794

Reference 5: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 28
-Subparagraph (f)
-URI http://asc.fasb.org/extlink&oid=75031198&loc=d3e14064-108612

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 810
-SubTopic 10
-Section 50
-Paragraph 1A
-Subparagraph (a)(1)
-URI http://asc.fasb.org/extlink&oid=109239629&loc=SL4573702-111684

Reference 7: 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 8: 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 9: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 1B
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=121641772&loc=SL7669625-108580

Reference 10: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 250
-SubTopic 10
-Section 50
-Paragraph 9
-URI http://asc.fasb.org/extlink&oid=109234566&loc=d3e22663-107794

Reference 11: 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 12: 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 13: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 810
-SubTopic 10
-Section 50
-Paragraph 1A
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=109239629&loc=SL4573702-111684

Reference 14: http://www.xbrl.org/2003/role/exampleRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 810
-SubTopic 10
-Section 55
-Paragraph 4J
-URI http://asc.fasb.org/extlink&oid=120409616&loc=SL4591551-111686

Reference 15: 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 16: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=121586364&loc=d3e3000-108585

Reference 17: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 810
-SubTopic 10
-Section 45
-Paragraph 19
-URI http://asc.fasb.org/extlink&oid=108774443&loc=SL4569616-111683

Reference 18: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 323
-SubTopic 10
-Section 50
-Paragraph 3
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=114001798&loc=d3e33918-111571

Reference 19: 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 20: http://www.xbrl.org/2003/role/exampleRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 810
-SubTopic 10
-Section 55
-Paragraph 4K
-URI http://asc.fasb.org/extlink&oid=120409616&loc=SL4591552-111686

Reference 21: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 250
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=109234566&loc=d3e22658-107794

+ Details

Condensed Consolidated Statements of Stockholders' Equity - USD ($) shares in Thousands, $ in Thousands	Total	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive (Loss) Income
Beginning Balance (in shares) at Sep. 30, 2019		55,535
Beginning Balance at Sep. 30, 2019	$ 744,949	$ 556	$ 407,628	$ 389,163	$ (52,398)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	1,695		1,695
Release of restricted stock (in shares)		463
Release of restricted stock	5	$ 5
Taxes paid related to net share settlement of equity awards	(1,395)		(1,395)
Foreign currency translation gain	6,071				6,071
Purchase and retirement of treasury stock (in shares)		(142)
Purchase and retirement of treasury stock	(963)	$ (2)	(488)	(473)
Net income (loss)	1,238			1,238
Ending Balance (in shares) at Dec. 31, 2019		55,856
Ending Balance at Dec. 31, 2019	751,600	$ 559	407,440	389,928	(46,327)
Beginning Balance (in shares) at Sep. 30, 2019		55,535
Beginning Balance at Sep. 30, 2019	744,949	$ 556	407,628	389,163	(52,398)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)	(39,636)
Ending Balance (in shares) at Mar. 31, 2020		55,068
Ending Balance at Mar. 31, 2020	677,553	$ 551	406,171	347,004	(76,173)
Beginning Balance (in shares) at Sep. 30, 2019		55,535
Beginning Balance at Sep. 30, 2019	744,949	$ 556	407,628	389,163	(52,398)
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)
Beginning Balance (in shares) at Dec. 31, 2019		55,856
Beginning Balance at Dec. 31, 2019	751,600	$ 559	407,440	389,928	(46,327)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	930		930
Release of restricted stock (in shares)		13
Release of restricted stock	1	$ 1
Taxes paid related to net share settlement of equity awards	(63)		(63)
Foreign currency translation gain	(29,846)				(29,846)
Purchase and retirement of treasury stock (in shares)		(801)
Purchase and retirement of treasury stock	(4,195)	$ (9)	(2,136)	(2,050)
Net income (loss)	(40,874)			(40,874)
Ending Balance (in shares) at Mar. 31, 2020		55,068
Ending Balance at Mar. 31, 2020	677,553	$ 551	406,171	347,004	(76,173)
Beginning Balance (in shares) at Sep. 30, 2020		55,303
Beginning Balance at Sep. 30, 2020	649,127	$ 551	398,475	318,169	(68,068)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	524		524
Release of restricted stock (in shares)		296
Release of restricted stock	5	$ 5
Taxes paid related to net share settlement of equity awards	(730)		(730)
Foreign currency translation gain	11,277				11,277
Net income (loss)	4,299			4,299
Ending Balance (in shares) at Dec. 31, 2020		55,599
Ending Balance at Dec. 31, 2020	664,502	$ 556	398,269	322,468	(56,791)
Beginning Balance (in shares) at Sep. 30, 2020		55,303
Beginning Balance at Sep. 30, 2020	649,127	$ 551	398,475	318,169	(68,068)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)	9,629
Ending Balance (in shares) at Mar. 31, 2021		55,844
Ending Balance at Mar. 31, 2021	669,244	$ 558	399,439	327,798	(58,551)
Beginning Balance (in shares) at Dec. 31, 2020		55,599
Beginning Balance at Dec. 31, 2020	664,502	$ 556	398,269	322,468	(56,791)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	1,094		1,094
Transfer of consideration for prior period acquisition (in shares)		33
Transfer of consideration for prior period acquisition	185		185
Release of restricted stock (in shares)		212
Release of restricted stock	2	$ 2
Taxes paid related to net share settlement of equity awards	(109)		(109)
Foreign currency translation gain	(1,760)				(1,760)
Net income (loss)	5,330			5,330
Ending Balance (in shares) at Mar. 31, 2021		55,844
Ending Balance at Mar. 31, 2021	$ 669,244	$ 558	$ 399,439	$ 327,798	$ (58,551)

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Operating activities:
Net income (loss)	$ 9,629	$ (39,636)
Adjustments to reconcile net income (loss) to net cash flows from operating activities:
Depreciation and amortization	15,661	15,495
Amortization of debt discount and deferred financing costs	6,754	6,493
Amortization of lease right-of-use asset	23,835	22,752
Accretion of notes receivable discount and deferred compensation fee	0	(546)
Deferred income taxes	(1,119)	(3,698)
Impairment of goodwill and intangible assets	0	47,060
Other adjustments	(250)	1,810
Provision for inventory reserve	(5,265)	(742)
Stock compensation expense	1,618	2,722
Equity in net (income) loss of unconsolidated affiliates	(1,766)	4,713
Changes in operating assets and liabilities:
Service charges and fees receivable	(106)	4,027
Inventory	6,481	(539)
Prepaid expenses, other current assets and other assets	3,874	(2,791)
Accounts payable, accrued expenses and other liabilities	(43,436)	(37,799)
Customer layaway deposits	238	538
Income taxes	2,573	1,412
Net cash provided by operating activities	18,721	21,271
Investing activities:
Loans made	(269,468)	(351,050)
Loans repaid	177,888	229,054
Recovery of pawn loan principal through sale of forfeited collateral	109,019	158,792
Capital expenditures, net	(8,359)	(12,160)
Principal collections on notes receivable	0	4,000
Net cash provided by investing activities	9,080	28,636
Financing activities:
Taxes paid related to net share settlement of equity awards	(839)	(1,458)
Payout of deferred consideration	0	(175)
Proceeds from borrowings, net of issuance costs	0	(109)
Payments on borrowings	(871)	(355)
Repurchase of common stock	0	(5,159)
Net cash used in financing activities	(1,710)	(7,256)
Effect of exchange rate changes on cash and cash equivalents and restricted cash	5,000	(7,364)
Net increase in cash, cash equivalents and restricted cash	31,091	35,287
Cash, cash equivalents and restricted cash at beginning of period	312,553	162,442
Cash, cash equivalents and restricted cash at end of period	343,644	197,729
Supplemental disclosure of cash flow information
Total cash and cash equivalents and restricted cash	343,644	197,729
Non-cash investing and financing activities:
Pawn loans forfeited and transferred to inventory	$ 99,285	$ 156,468

Organization and Summary of Significant Accounting Policies	6 Months Ended
	Mar. 31, 2021
Accounting Policies [Abstract]
ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 1: ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Description of Business EZCORP, Inc. (collectively with its subsidiaries, the “Company”, “we”, “us” or “our”) is a leading provider of pawn loans in the United States and Latin America. Pawn loans are non-recourse loans collateralized by tangible property. We also sell merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. Basis of Presentation The accompanying interim unaudited condensed consolidated financial statements (“Condensed Consolidated Financial Statements”) have been prepared in accordance with U.S. generally accepted accounting principles (“U.S. GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10-01 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. These Condensed Consolidated Financial Statements should be read in conjunction with the audited consolidated financial statements and related notes contained in the Company’s Annual Report on Form 10-K for the year ended September 30, 2020, filed with the SEC on December 14, 2020 (“2020 Annual Report”). In the opinion of management, the accompanying Condensed Consolidated Financial Statements include all adjustments, consisting of normal recurring adjustments, considered necessary for a fair presentation. Financial results for the three and six-month periods ended March 31, 2021, are not necessarily indicative of results that may be expected for the fiscal year ending September 30, 2021. Our business is subject to seasonal variations, and operating results for the three and six months ended March 31, 2021 and 2020 (the "current quarter" and "prior-year quarter," respectively) are not necessarily indicative of the results of operations for the full fiscal year. There have been no changes that have had a material impact in significant accounting policies as described in our Annual Report on Form 10-K for the year ended September 30, 2020. Principles of Consolidation The accompanying Condensed Consolidated Financial Statements include the accounts of EZCORP, Inc. and its wholly owned subsidiaries. We use the equity method of accounting for entities in which we have a 50% or less investment and exercise significant influence. We account for equity investments for which we do not have significant influence and without readily determinable fair values at cost with adjustments for observable changes in price in orderly transactions for identical or similar investments of the same issuer or impairments. All inter-company accounts and transactions have been eliminated in consolidation. Reclassifications We have reclassified certain amounts in prior-period financial statements to conform to the current period presentation. Use of Estimates The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Such estimates and assumptions include the determination of revenue recognition, inventory reserves, expected credit losses, useful lives of long-lived and intangible assets, valuation of share-based compensation, valuation of equity investments, valuation of deferred tax assets and liabilities, loss contingencies related to litigation and discount rates used for operating leases. Actual results may result in actual amounts differing from reported amounts. Impact of COVID-19 The COVID-19 pandemic continues to affect the U.S. and global economies, and as previously disclosed in our 2020 Annual Report, the pandemic also affected our businesses in a variety of ways beginning in the second quarter of fiscal 2020 and continuing into fiscal 2021. We cannot estimate the length or severity of the COVID-19 pandemic or the related financial consequences on our business and operations, including whether and when historic economic and operating conditions will resume or the extent to which the disruption may impact our business, financial position, results of operations or cash flows. Our estimates, judgments and assumptions related to COVID-19 could ultimately differ over time. Recently Adopted Accounting Policies In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“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 historical loss experience, current conditions and reasonable and supportable forecasts. ASU 2016-13 was effective on October 1, 2020. We adopted ASU 2016-13 effective October 1, 2020 using the modified retrospective approach. There was no net cumulative effect adjustment to retained earnings as of October 1, 2020 as a result of this adoption. This amendment did not have a material impact on our balance sheets or cash flows from operations and did not have a material impact on our operating results. Recently Issued Accounting Pronouncements In August 2020, the FASB issued 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): Accounting for Convertible Instruments and Contracts in an Entity’s Own Equity” (“ASU 2020-06”), which simplifies accounting for convertible instruments by removing major separation models required under current U.S. GAAP. ASU 2020-06 removes certain settlement conditions that are required for equity contracts to qualify for the derivative scope exception and it also simplifies the diluted earnings per share calculation in certain areas. ASU 2020-06 is effective for the Company for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. Early adoption is permitted, but no earlier than fiscal years beginning after December 15, 2020 and adoption must be as of the beginning of our annual fiscal year. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures.

Expected Credit Losses	6 Months Ended
Expected Credit Losses	Mar. 31, 2021
Credit Loss [Abstract]
EXPECTED CREDIT LOSSES	NOTE 2: EXPECTED CREDIT LOSSES We adopted ASU 2016-13 effective October 1, 2020. We have financing receivables within the scope of ASU 2016-13, specifically pawn loans receivables and related pawn service charges receivables. Our pawn loans are short-term in nature, typically 30-120 days for U.S. Pawn loans and 30 days for Latin America Pawn loans. Under our existing accounting policy, if a pawn loan is deemed to be uncollectible, we do not recognize an allowance for doubtful accounts due to the expected recovery of the loan principal amount through the sale of the collateral. We record the forfeited collateral as inventory at the pawn loan principal amount. Pawn service charges are recorded under the interest method over the term of the related pawn loan. Under our existing accounting policy, we accrue for any earned but unpaid pawn service charges at the end each month. We then apply a reserve to pawn service charges receivable at the end of each month using a pawn loan forfeiture rate derived from a trailing twelve-month average, adjusted for seasonality factors. We have evaluated, on a collective basis, our pawn loan receivables and pawn service charge receivables and determined the new credit loss standard did not have a material impact on our consolidated financial statements, as our current polices appropriately capture lifetime expected credit losses. The presentation of pawn loan and pawn service charge receivable as separate line items on our consolidated balance sheet will remain unchanged under the new credit loss standard. As of March 31, 2021, pawn loan and related pawn service charge receivable, net were $125.3 million and $20.8 million, respectively.

Other Charges

6 Months Ended

Mar. 31, 2021

Restructuring and Related Activities [Abstract]

OTHER CHARGES

NOTE 3: OTHER CHARGES

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, write-offs and other miscellaneous charges. We recorded $20.4 million of such charges for the quarter ended September 30, 2020, and had accrued charges of $10.7 million remaining at September 30, 2020. We had no similar charges for the six months ended March 31, 2021.


(in thousands)		Accrued Charges at September 30, 2020		Charges		Payments and Adjustments		Accrued Charges at December 31, 2020		Charges		Payments and Adjustments		Accrued Charges at March 31, 2021
Cash charges:
	Labor reduction costs	$	5,946	$	—	$	(2,343)	$	3,603	$	—	$	(1,075)	$	2,528
	CASHMAX shutdown costs	800		—		$	(400)	$	400	—		$	(400)	$	—
	Store closure costs	1,806		—		$	(1,706)	$	100	—		$	(100)	$	—
	Other	2,166		—		$	(166)	$	2,000	—		$	—	$	2,000
		10,718		$	—	$	(4,615)	$	6,103	$	—	$	(1,575)	$	4,528

Earnings per Share

6 Months Ended

Mar. 31, 2021

Earnings Per Share [Abstract]

EARNINGS PER SHARE

NOTE 4: EARNINGS PER SHARE

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


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands, except per share amounts)	2021		2020		2021		2020



Net income (loss)	$	5,330	$	(40,874)	$	9,629	$	(39,636)

Earnings per common share
Average common share outstanding (denominator)	55,661		55,448		55,509		55,557


Earnings per common share	$	0.10	$	(0.74)	$	0.17	$	(0.71)

Diluted earnings per common share
Average common share outstanding	55,661		55,448		55,509		55,557
Dilutive effect of restricted stock and convertible notes*	4		74		2		51
Diluted average common shares outstanding (denominator)	55,665		55,522		55,511		55,608




Diluted earnings per common share	$	0.10	$	(0.74)	$	0.17	$	(0.71)

Potential common shares excluded from the calculation of diluted earnings per share above*:
Restricted stock**	964		2,777		$	831	$	2,495

* Includes time-based share-based awards and Convertible Notes. See Note 8 for discussion of the terms and conditions of the potential impact of the 2024 Convertible Notes and 2025 Convertible Notes.

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

Leases

6 Months Ended

Mar. 31, 2021

Leases [Abstract]

LEASES

NOTE 5: LEASES

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

The information below provides a summary of our leasing activities. See Note 12 in our 2020 Annual Report for additional information about our leasing activities.

The table below presents balances of our operating leases:


(in thousands)	March 31, 2021		March 31, 2020		September 30, 2020

Right-of-use asset	$	170,479	$	206,839	$	183,809



Lease liability, current	$	41,060	$	44,076	$	49,742
Lease liability, non-current	138,622		171,006		153,040
Total lease liability	$	179,682	$	215,082	$	202,782

The table below provides the composition of our lease costs:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands)	2021		2020		2021		2020

Operating lease expense	$	14,616	$	15,453	$	29,815	$	31,978
Variable lease expense	2,923		3,093		5,968		5,900
Other (1)	(859)		—		(1,725)		—
Total lease expense	$	16,680	$	18,546	$	34,058	$	37,878
(1) Includes sublease rental income.

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

Other supplemental information includes the following for our operating leases:


	Six Months Ended March 31,
	2021		2020

Weighted-average remaining contractual lease term (years)	5.07		5.72
Weighted-average incremental borrowing rate	7.88	%	8.25	%

Maturities of lease liabilities as of March 31, 2021 were as follows (in thousands):


Remaining 2021	$	26,419
Fiscal 2022	53,629
Fiscal 2023	41,651
Fiscal 2024	30,463
Fiscal 2025	21,522
Thereafter	45,866
Total lease payments	$	219,550
Less: Portion representing interest	39,868
Present value of operating lease liabilities	$	179,682
Less: Current portion	41,060
Non-current portion	$	138,622

We recorded $6.6 million and $0.9 million in non-cash additions to our right of use assets and lease liabilities for the six months ended March 31, 2021 and March 31, 2020, respectively.

Strategic Investments

6 Months Ended

Mar. 31, 2021

Equity Method Investments and Joint Ventures [Abstract]

STRATEGIC INVESTMENTS

NOTE 6: STRATEGIC INVESTMENTS

As of March 31, 2021, we owned 214,183,714 shares, or 34.75%, of Cash Converters International Limited ("Cash Converters International"). The following tables present summary financial information for Cash Converters International’s most recently reported results at December 31, 2020 after translation to U.S. dollars:


	December 31,
(in thousands)	2020		2019

Current assets	$	170,412	$	164,906
Non-current assets	189,810		199,277
Total assets	$	360,222	$	364,183

Current liabilities	$	59,962	$	93,958
Non-current liabilities	58,368		60,503
Shareholders’ equity	241,892		209,722
Total liabilities and shareholders’ equity	$	360,222	$	364,183


	Half-Year Ended December 31,
(in thousands)	2020		2019

Gross revenues	$	71,153	$	98,531
Gross profit	51,231		59,250
Net profit (loss)	5,561		(13,280)

See Note 7 for the fair value and carrying value of our investment in Cash Converters International.

Fair Value Measurements

6 Months Ended

Mar. 31, 2021

Fair Value Disclosures [Abstract]

FAIR VALUE MEASUREMENTS

NOTE 7: FAIR VALUE MEASUREMENTS

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

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

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

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

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

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

Fair Value Measurement on a Recurring Basis

As of March 31, 2021 and September 30, 2020, we did not have any financial assets or liabilities measured at fair value on a recurring basis.

Financial Assets and Liabilities Not Measured at Fair Value

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


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

Financial assets:
2.89% promissory note receivable due April 2024	$	1,164	$	1,164	$	—	$	—	$	1,164
Investments in unconsolidated affiliates	34,961		45,491		37,894		—		7,597

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


	Carrying Value		Estimated Fair Value
	March 31, 2020		March 31, 2020		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
Notes receivable from Grupo Finmart, net	$	3,728	$	3,853	$	—	$	—	$	3,853
2.89% promissory note receivable due April 2024	1,132		1,132		—		—		1,132
Investments in unconsolidated affiliates	27,993		27,513		19,734		—		7,779

Financial liabilities:
2024 Convertible Notes	$	114,196	$	106,203	$	—	$	106,203	$	—
2025 Convertible Notes	129,624		128,081		—		128,081		—
8.5% unsecured debt due 2024	983		983		—		—		983
CASHMAX secured borrowing facility	(248)		281		—		—		281


	Carrying Value		Estimated Fair Value
	September 30, 2020		September 30, 2020		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

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

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

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 March 31, 2021.

We use the equity method of accounting to account for our 34.75% ownership in Cash Converters International. The inputs used to generate the fair value of the investment 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 to account for our 13.14% ownership in Rich Data Corporation, a previously consolidated variable interest entity for which we no longer have the power to direct the activities that most significantly affect its economic performance. We believe its fair value 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 September 2020, we received the final payment from AlphaCredit on the notes receivable related to the sale of Grupo Finmart and recorded the amount under “Restricted cash” in our consolidated balance sheet as of March 31, 2021. In August 2019, AlphaCredit notified us of an indemnity claim for certain pre-closing taxes, but the nature, extent and validity of such claim has yet to be determined.

- Definition

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

+ References + Details

Debt

6 Months Ended

Mar. 31, 2021

Debt Disclosure [Abstract]

DEBT

NOTE 8: DEBT

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


	March 31, 2021						March 31, 2020						September 30, 2020
(in thousands)	Gross Amount		Debt Discount and Issuance Costs		Carrying Amount		Gross Amount		Debt Discount and Issuance Costs		Carrying Amount		Gross Amount		Debt Discount and Issuance Costs		Carrying Amount

2024 Convertible Notes	$	143,750	$	(23,443)	$	120,307	$	143,750	$	(29,554)	$	114,196	$	143,750	$	(26,557)	$	117,193
2025 Convertible Notes	172,500		(35,664)		136,836		172,500		(42,876)		129,624		172,500		(39,336)		133,164
8.5% unsecured debt due 2024*	—		—		—		983		—		983		872		—		872
CASHMAX secured borrowing facility*	—		—		—		281		(529)		(248)		—		—		—
Total	$	316,250	$	(59,107)	$	257,143	$	317,514	$	(72,959)	$	244,555	$	317,122	$	(65,893)	$	251,229
Less current portion	—		—		—		267		—		267		213		—		213
Total long-term debt	$	316,250	$	(59,107)	$	257,143	$	317,247	$	(72,959)	$	244,288	$	316,909	$	(65,893)	$	251,016

* Amount translated from Guatemalan quetzals and Canadian dollars as of applicable period end. Certain disclosures omitted due to materiality considerations.

The following table presents the Company's contractual maturities related to the debt instruments as of March 31, 2021:


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

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

	$	316,250	$	—	$	—	$	316,250	$	—

* Excludes the potential impact of embedded derivatives as discussed below.

The following table presents the Company's interest expense related to the Convertible Notes for the three and six months ended March 31, 2021 and 2020:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands)	2021		2020		2021		2020

2024 Convertible Notes:
Contractual interest expense	$	1,033	$	1,033	$	2,066	$	2,066
Amortization of debt discount and deferred financing costs	1,572		1,457		3,114		2,886
Total interest expense	$	2,605	$	2,490	$	5,180	$	4,952

2025 Convertible Notes:
Contractual interest expense	$	1,024	$	1,024	$	2,048	$	2,048
Amortization of debt discount and deferred financing costs	1,853		1,722		3,672		3,413
Total interest expense	$	2,877	$	2,746	$	5,720	$	5,461

2.875% Convertible Senior Notes Due 2024

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

The carrying amount of the 2024 Convertible Notes as a separate equity-classified instrument (the “2024 Convertible Notes Embedded Derivative”) included in “Additional paid-in capital” in our condensed consolidated balance sheets as of March 31, 2021 was $39.8 million, ($25.3 million, net of tax). The effective interest rate for the three and six months ended March 31, 2021 was approximately 9%. As of March 31, 2021, the remaining unamortized debt discount and issuance costs will be amortized through the 2024 Maturity Date assuming no early conversion.

The 2024 Convertible Notes are convertible into cash or shares of Class A Common Stock, or any combination thereof, at our option subject to satisfaction of certain conditions and during the periods described in the 2017 Indenture, based on an initial conversion rate of 100 shares of Class A Common Stock per $1,000 principal amount of 2024 Convertible Notes (equivalent to an initial conversion price of $10.00 per share of Class A Common Stock). We account for the Class A Common Stock issuable upon conversion under the treasury stock method. To the extent the average share price is over $10.00 per share for any fiscal quarter, we are required to recognize incremental dilution of our earnings per share.

If, among other triggers described in the 2017 Indenture, the market price of the Class A Common Stock meets the threshold based on at least 20 of the final 30 trading days of the quarter for the 2024 Convertible Notes to become convertible at the option of the holders during the subsequent quarter, we may be required to classify the 2024 Convertible Notes as current on our condensed consolidated balance sheets for each quarter in which such triggers are met. The stock trading price condition and other triggers are measured on a quarter-by-quarter basis and were not met as of March 31, 2021. As of March 31, 2021, the if-converted value of the 2024 Convertible Notes did not exceed the principal amount.

2.375% 2025 Convertible Senior Notes Due 2025

In May 2018, we issued $172.5 million aggregate principal amount of 2.375% Convertible Senior Notes Due 2025 (the “2025 Convertible Notes”). The 2025 Convertible Notes were issued pursuant to an indenture dated May 14, 2018 (the "2018 Indenture") by and between the Company and Wells Fargo Bank, National Association, as the original trustee. Effective October 1, 2019, Truist (formerly BB&T) assumed the duties and responsibilities as trustee under the 2018 Indenture. The 2025 Convertible Notes were issued in a private offering under Rule 144A under the Securities Act of 1933. The 2025 Convertible Notes pay interest semi-annually in arrears at a rate of 2.375% per annum on May 1 and November 1 of each year, commencing November 1, 2018, and mature on May 1, 2025 (the "2025 Maturity Date"), unless converted, redeemed or repurchased in accordance with the terms prior to such date. The carrying amount of the 2025 Convertible Notes as a separate equity-classified instrument (the “2025 Convertible Notes Embedded Derivative”) included in “Additional paid-in capital” in our condensed consolidated balance sheets as of March 31, 2021 was $49.6 million, ($39.1 million, net of tax). The effective interest rate for the three and six months ended March 31, 2021 was approximately 9%. As of March 31, 2021, the remaining unamortized debt discount and issuance costs will be amortized through the 2025 Maturity Date assuming no early conversion.

The 2025 Convertible Notes are convertible into cash or shares of Class A Common Stock, or any combination thereof, at our option subject to satisfaction of certain conditions and during the periods described in the 2018 Indenture, based on an initial conversion rate of 62.8931 shares of Class A Common Stock per $1,000 principal amount of 2025 Convertible Notes (equivalent to an initial conversion price of $15.90 per share of Class A Common Stock). We account for the Class A Common Stock issuable upon conversion under the treasury stock method. To the extent the average share price is over $15.90 per share for any fiscal quarter or year-to-date period, we are required to recognize incremental dilution of our earnings per share.

If, among other triggers described in the 2018 Indenture, the market price of the Class A Common Stock meets the threshold based on at least 20 of the final 30 trading days of the quarter for the 2025 Convertible Notes to become convertible at the option of the holders during the subsequent quarter, we may be required to classify the 2025 Convertible Notes as current on our condensed consolidated balance sheets for each quarter in which such triggers are met. The stock trading price condition and other triggers are measured on a quarter-by-quarter basis and were not met as of March 31, 2021. As of March 31, 2021, the if-converted value of the 2025 Convertible Notes did not exceed the principal amount.

CASHMAX Secured Borrowing Facility

In November 2018, we entered into a receivable's securitization facility with a third-party lender to provide funding for installment loan originations in our Canadian CASHMAX business. We terminated this facility in September 2020 as part of the closure of the operations of our CASHMAX business. See our 2020 Annual Report for additional information regarding the closure of our Canadian operations.

Share-Based Compensation	6 Months Ended
Share-Based Compensation	Mar. 31, 2021
Share-based Payment Arrangement [Abstract]
SHARE-BASED COMPENSATION	NOTE 9: SHARE-BASED COMPENSATION Common Stock Repurchase Program In December 2019, the Company's Board of Directors (the "Board") authorized the repurchase of up to $60.0 million of our Class A Common Stock over three years. Repurchases under the program were suspended in March 2020 in order to preserve liquidity as a result of uncertainties related to the COVID-19 pandemic. No share repurchases under the program have been made during fiscal 2021. During fiscal 2020, we repurchased and retired 943,149 shares of our Class A Common Stock for $5.2 million, which was allocated between "Additional paid-in capital" and "Retained earnings" in our condensed consolidated balance sheets. Stock Compensation We maintain a Board-approved incentive plan to retain the services of our valued officers, directors and employees and to incentivize such persons to make contributions to our company and motivate excellent performance (the "Incentive Plan"). Under the Incentive Plan, we grant awards of restricted stock or restricted stock units to employees and non-employee directors. Awards granted to employees are typically subject to performance and service conditions. Awards granted to non-employee directors are time-based awards subject only to service conditions. Awards granted under the Incentive Plan are measured at the grant date fair value with compensation costs associated with the awards recognized over the requisite service period, usually the vesting period, on a straight-line basis. In December 2020, we granted 143,145 restricted stock awards to our non-employee directors at a grant date fair value of $5.03. These awards vested in February 2021 (79,525 awards) and March 2021 (63,620 awards). In February 2021, we granted 127,744 restricted stock awards to our non-employee directors at a grant date fair value of $5.01, which awards will vest at the next annual meeting of stockholders, but no later than March 31, 2022. In January 2021, we granted 289,592 restricted stock awards to employees at a grant date fair value of $4.68 and 275,107 restricted stock awards to employees at a grant date fair value of $4.71. These awards vest on September 30, 2021 and September 30, 2022, respectively. In February 2021, we granted 392,419 restricted stock awards to employees at a grant date fair value of $4.96, which vest on September 30, 2023. During the first quarter of fiscal 2020, we granted 222,912 shares of restricted stock awards to non-employee directors based on a share price of $6.46. These awards vested on September 30, 2020.

Income Taxes	6 Months Ended
Income Taxes	Mar. 31, 2021
Income Tax Disclosure [Abstract]
INCOME TAXES	NOTE 10: INCOME TAXES On March 27, 2020, the Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law and includes certain income tax provisions relevant to businesses. We recognized the effect on the consolidated financial statements in the period ended March 31, 2020. For the period ended March 31, 2021, the CARES Act has not had a material impact on our consolidated financial statements. At this time, we do not expect the impact of the CARES Act to have a material impact on our consolidated financial statements for the year ending September 30, 2021.

- 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

Commitments and Contingencies	6 Months Ended
Commitments and Contingencies	Mar. 31, 2021
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	NOTE 11: COMMITMENTS AND CONTINGENCIES Currently, and from time to time, we are involved in various claims, disputes, lawsuits, investigations, and legal and regulatory proceedings. We accrue for contingencies if it is probable that a liability has been incurred and the amount of the loss can be reasonably estimated. Because these matters are inherently unpredictable and unfavorable developments or resolutions can occur, assessing contingencies requires judgments and is highly subjective about future events. The amount of resulting loss may differ from these estimates. 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

6 Months Ended

Mar. 31, 2021

Segment Reporting [Abstract]

SEGMENT INFORMATION

NOTE 12: SEGMENT INFORMATION

Our operations are primarily managed on a geographical basis and are comprised of three reportable segments. The factors for determining our reportable segments include the manner in which our chief operating decision maker (CODM) evaluates performance for purposes of allocating resources and assessing performance. During the first quarter of fiscal 2021, the financial information of our Lana business activities were no longer reviewed by the CODM for evaluating performance since Lana no longer has business activities. Rather, Lana offers support activities to U.S. Pawn. As a result, Lana is no longer an operating or reportable segment. Our historical segment results have been recast to conform to current presentation.

We currently report our segments as follows:

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

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

•Other International — primarily our equity interest in the net income of Cash Converters International and Rich Data Corporation.

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

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


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

Revenues:
Merchandise sales	$	93,827	$	21,398	$	—	$	115,225	$	—	$	115,225
Jewelry scrapping sales	3,581		2,494		—		6,075		—		6,075
Pawn service charges	49,577		13,859		—		63,436		—		63,436
Other revenues	29		—		174		203		—		203
Total revenues	147,014		37,751		174		184,939		—		184,939
Merchandise cost of goods sold	51,812		13,978		—		65,790		—		65,790
Jewelry scrapping cost of goods sold	3,149		2,252		—		5,401		—		5,401
Other cost of revenues	—		—		—		—		—		—
Net revenues	92,053		21,521		174		113,748		—		113,748
Segment and corporate expenses (income):
Store expenses	63,657		17,492		—		81,149		—		81,149
General and administrative	—		—		—		—		13,771		13,771

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

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

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


	Three Months Ended March 31, 2020
(in thousands)	U.S. Pawn		Latin America Pawn		Other International		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	102,447	$	27,383			$	129,830	$	—	$	129,830
Jewelry scrapping sales	9,659		2,219				11,878		—		11,878
Pawn service charges	61,700		18,522				80,222		—		80,222
Other revenues	31		25		1,294		1,350				1,350
Total revenues	173,837		48,149		1,294		223,280		—		223,280
Merchandise cost of goods sold	65,286		20,490		—		85,776		—		85,776
Jewelry scrapping cost of goods sold	7,800		1,817		—		9,617		—		9,617
Other cost of revenues	—		37		488		525		—		525
Net revenues	100,751		25,805		806		127,362		—		127,362
Segment and corporate expenses (income):
Store expenses	67,619		18,469		1,560		87,648		—		87,648
General and administrative	—		—		—		—		15,341		15,341
Impairment of goodwill, intangible and other assets	10,000		35,936		1,124		47,060		—		47,060
Depreciation and amortization	2,711		1,940		23		4,674		3,088		7,762
(Gain) loss on sale or disposal of assets and other	—		(123)		—		(123)		384		261

Interest expense	—		402		154		556		5,325		5,881
Interest income	—		(369)		—		(369)		(572)		(941)
Equity in net income of unconsolidated affiliates	—		—		(1,184)		(1,184)		—		(1,184)

Other (income) expense	—		(309)		20		(289)		(52)		(341)
Segment contribution (loss)	$	20,421	$	(30,141)	$	(891)	$	(10,611)
Loss before income taxes							$	(10,611)	$	(23,514)	$	(34,125)


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

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

Depreciation and amortization	5,372		3,653		—		9,025		6,636		15,661
Loss on sale or disposal of assets and other	27		—		—		27		63		90

Interest expense	—		—		—		—		10,973		10,973
Interest income	—		(1,335)		—		(1,335)		(71)		(1,406)
Equity in net income of unconsolidated affiliates	—		—		(1,766)		(1,766)		—		(1,766)

Other (income) expense	—		(370)		(201)		(571)		117		(454)
Segment contribution	$	46,501	$	7,583	$	2,216	$	56,300
Income (loss) before income taxes							$	56,300	$	(43,999)	$	12,301


	Six Months Ended March 31, 2020
(in thousands)	U.S. Pawn		Latin America Pawn		Other International		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	197,801	$	58,757	$	—	$	256,558	$	—	$	256,558
Jewelry scrapping sales	15,776		5,630		—		21,406		—		21,406
Pawn service charges	125,790		39,157		—		164,947		—		164,947
Other revenues	67		50		2,686		2,803		—		2,803
Total revenues	339,434		103,594		2,686		445,714		—		445,714
Merchandise cost of goods sold	126,650		43,202		—		169,852		—		169,852
Jewelry scrapping cost of goods sold	12,555		4,816		—		17,371		—		17,371
Other cost of revenues	—		37		1,024		1,061		—		1,061
Net revenues	200,229		55,539		1,662		257,430		—		257,430
Segment and corporate expenses (income):
Store expenses	135,678		38,452		2,793		176,923		—		176,923
General and administrative	—		—		—		—		34,179		34,179
Impairment of goodwill, intangible and other assets	10,000		35,936		1,124		47,060		—		47,060
Depreciation and amortization	5,576		3,829		57		9,462		6,033		15,495
(Gain) loss on sale or disposal of assets and other	—		(95)		—		(95)		1,100		1,005
Interest expense	—		430		324		754		10,456		11,210
Interest income	—		(757)		—		(757)		(1,027)		(1,784)
Equity in net loss of unconsolidated affiliates	—		—		4,713		4,713		—		4,713
Other (income) expense	—		(242)		19		(223)		(20)		(243)
Segment contribution (loss)	$	48,975	$	(22,014)	$	(7,368)	$	19,593
Income (loss) before income taxes							$	19,593	$	(50,721)	$	(31,128)

- 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
-SubTopic 10
-Section 50
-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
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 21
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8721-108599

Reference 4: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 40
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e9031-108599

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

Reference 6: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 32
-Subparagraph (e)
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8933-108599

Reference 7: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 26
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8844-108599

Reference 8: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 41
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e9038-108599

Reference 9: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 32
-Subparagraph (d)
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8933-108599

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

Reference 11: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 42
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e9054-108599

Reference 12: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8657-108599

Reference 13: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 280
-SubTopic 10
-Section 50
-Paragraph 21
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=120311839&loc=d3e8721-108599

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

+ Details

Supplemental Consolidated Financial Information

6 Months Ended

Mar. 31, 2021

Organization, Consolidation and Presentation of Financial Statements [Abstract]

SUPPLEMENTAL CONSOLIDATED FINANCIAL INFORMATION

NOTE 13: SUPPLEMENTAL CONSOLIDATED FINANCIAL INFORMATION

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


(in thousands)	March 31, 2021		March 31, 2020		September 30, 2020

Gross pawn service charges receivable	$	26,607	$	34,843	$	27,259
Allowance for uncollectible pawn service charges receivable	(5,765)		(7,539)		(6,679)
Pawn service charges receivable, net	$	20,842	$	27,304	$	20,580

Gross inventory	$	93,470	$	182,794	$	108,205
Inventory reserves	(7,256)		(9,543)		(12,314)
Inventory, net	$	86,214	$	173,251	$	95,891

Prepaid expenses and other	$	7,881	$	8,953	$	10,614
Accounts receivable and other	8,442		10,934		6,991
Income taxes receivable	14,353		3,742		15,298
Prepaid expenses and other current assets	$	30,676	$	23,629	$	32,903

Property and equipment, gross	$	273,513	$	261,234	$	267,509
Accumulated depreciation	(221,677)		(202,447)		(210,523)
Property and equipment, net	$	51,836	$	58,787	$	56,986

Accounts payable	$	17,957	$	15,582	$	19,114
Accrued expenses and other	51,062		37,570		52,390
Accounts payable, accrued expenses and other current liabilities	$	69,019	$	53,152	$	71,504

Organization and Summary of Significant Accounting Policies (Policies)	6 Months Ended
	Mar. 31, 2021
Accounting Policies [Abstract]
Basis of Presentation and Principles of Consolidation	Basis of Presentation The accompanying interim unaudited condensed consolidated financial statements (“Condensed Consolidated Financial Statements”) have been prepared in accordance with U.S. generally accepted accounting principles (“U.S. GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10-01 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. These Condensed Consolidated Financial Statements should be read in conjunction with the audited consolidated financial statements and related notes contained in the Company’s Annual Report on Form 10-K for the year ended September 30, 2020, filed with the SEC on December 14, 2020 (“2020 Annual Report”). In the opinion of management, the accompanying Condensed Consolidated Financial Statements include all adjustments, consisting of normal recurring adjustments, considered necessary for a fair presentation. Financial results for the three and six-month periods ended March 31, 2021, are not necessarily indicative of results that may be expected for the fiscal year ending September 30, 2021. Our business is subject to seasonal variations, and operating results for the three and six months ended March 31, 2021 and 2020 (the "current quarter" and "prior-year quarter," respectively) are not necessarily indicative of the results of operations for the full fiscal year. There have been no changes that have had a material impact in significant accounting policies as described in our Annual Report on Form 10-K for the year ended September 30, 2020. Principles of Consolidation The accompanying Condensed Consolidated Financial Statements include the accounts of EZCORP, Inc. and its wholly owned subsidiaries. We use the equity method of accounting for entities in which we have a 50% or less investment and exercise significant influence. We account for equity investments for which we do not have significant influence and without readily determinable fair values at cost with adjustments for observable changes in price in orderly transactions for identical or similar investments of the same issuer or impairments. All inter-company accounts and transactions have been eliminated in consolidation.
Reclassifications	ReclassificationsWe have reclassified certain amounts in prior-period financial statements to conform to the current period presentation.
Use of Estimates	Use of Estimates The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Such estimates and assumptions include the determination of revenue recognition, inventory reserves, expected credit losses, useful lives of long-lived and intangible assets, valuation of share-based compensation, valuation of equity investments, valuation of deferred tax assets and liabilities, loss contingencies related to litigation and discount rates used for operating leases. Actual results may result in actual amounts differing from reported amounts.
Recently Adopted Accounting Policies and Recently Issued Accounting Pronouncements	Recently Adopted Accounting Policies In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“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 historical loss experience, current conditions and reasonable and supportable forecasts. ASU 2016-13 was effective on October 1, 2020. We adopted ASU 2016-13 effective October 1, 2020 using the modified retrospective approach. There was no net cumulative effect adjustment to retained earnings as of October 1, 2020 as a result of this adoption. This amendment did not have a material impact on our balance sheets or cash flows from operations and did not have a material impact on our operating results. Recently Issued Accounting Pronouncements In August 2020, the FASB issued 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): Accounting for Convertible Instruments and Contracts in an Entity’s Own Equity” (“ASU 2020-06”), which simplifies accounting for convertible instruments by removing major separation models required under current U.S. GAAP. ASU 2020-06 removes certain settlement conditions that are required for equity contracts to qualify for the derivative scope exception and it also simplifies the diluted earnings per share calculation in certain areas. ASU 2020-06 is effective for the Company for fiscal years beginning after December 15, 2023, including interim periods within those fiscal years. Early adoption is permitted, but no earlier than fiscal years beginning after December 15, 2020 and adoption must be as of the beginning of our annual fiscal year. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures.

Other Charges (Tables)

6 Months Ended

Mar. 31, 2021

Restructuring and Related Activities [Abstract]

Schedule of Restructuring Reserve by Type of Cost


(in thousands)		Accrued Charges at September 30, 2020		Charges		Payments and Adjustments		Accrued Charges at December 31, 2020		Charges		Payments and Adjustments		Accrued Charges at March 31, 2021
Cash charges:
	Labor reduction costs	$	5,946	$	—	$	(2,343)	$	3,603	$	—	$	(1,075)	$	2,528
	CASHMAX shutdown costs	800		—		$	(400)	$	400	—		$	(400)	$	—
	Store closure costs	1,806		—		$	(1,706)	$	100	—		$	(100)	$	—
	Other	2,166		—		$	(166)	$	2,000	—		$	—	$	2,000
		10,718		$	—	$	(4,615)	$	6,103	$	—	$	(1,575)	$	4,528

Earnings per Share (Tables)

6 Months Ended

Mar. 31, 2021

Earnings Per Share [Abstract]

Schedule of Net Components of Basic and Diluted Earnings Per Share

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


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands, except per share amounts)	2021		2020		2021		2020



Net income (loss)	$	5,330	$	(40,874)	$	9,629	$	(39,636)

Earnings per common share
Average common share outstanding (denominator)	55,661		55,448		55,509		55,557


Earnings per common share	$	0.10	$	(0.74)	$	0.17	$	(0.71)

Diluted earnings per common share
Average common share outstanding	55,661		55,448		55,509		55,557
Dilutive effect of restricted stock and convertible notes*	4		74		2		51
Diluted average common shares outstanding (denominator)	55,665		55,522		55,511		55,608




Diluted earnings per common share	$	0.10	$	(0.74)	$	0.17	$	(0.71)

Potential common shares excluded from the calculation of diluted earnings per share above*:
Restricted stock**	964		2,777		$	831	$	2,495

* Includes time-based share-based awards and Convertible Notes. See Note 8 for discussion of the terms and conditions of the potential impact of the 2024 Convertible Notes and 2025 Convertible Notes.

Leases (Tables)

6 Months Ended

Mar. 31, 2021

Leases [Abstract]

Schedule of Lessee Assets and Liabilities

The table below presents balances of our operating leases:


(in thousands)	March 31, 2021		March 31, 2020		September 30, 2020

Right-of-use asset	$	170,479	$	206,839	$	183,809



Lease liability, current	$	41,060	$	44,076	$	49,742
Lease liability, non-current	138,622		171,006		153,040
Total lease liability	$	179,682	$	215,082	$	202,782

Schedule of Lease Cost

The table below provides the composition of our lease costs:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands)	2021		2020		2021		2020

Operating lease expense	$	14,616	$	15,453	$	29,815	$	31,978
Variable lease expense	2,923		3,093		5,968		5,900
Other (1)	(859)		—		(1,725)		—
Total lease expense	$	16,680	$	18,546	$	34,058	$	37,878
(1) Includes sublease rental income.

Other supplemental information includes the following for our operating leases:


	Six Months Ended March 31,
	2021		2020

Weighted-average remaining contractual lease term (years)	5.07		5.72
Weighted-average incremental borrowing rate	7.88	%	8.25	%

Schedule of Operating Lease Maturity

Maturities of lease liabilities as of March 31, 2021 were as follows (in thousands):


Remaining 2021	$	26,419
Fiscal 2022	53,629
Fiscal 2023	41,651
Fiscal 2024	30,463
Fiscal 2025	21,522
Thereafter	45,866
Total lease payments	$	219,550
Less: Portion representing interest	39,868
Present value of operating lease liabilities	$	179,682
Less: Current portion	41,060
Non-current portion	$	138,622

Strategic Investments (Tables)

6 Months Ended

Mar. 31, 2021

Equity Method Investments and Joint Ventures [Abstract]

Schedule of Equity Method Investments

The following tables present summary financial information for Cash Converters International’s most recently reported results at December 31, 2020 after translation to U.S. dollars:


	December 31,
(in thousands)	2020		2019

Current assets	$	170,412	$	164,906
Non-current assets	189,810		199,277
Total assets	$	360,222	$	364,183

Current liabilities	$	59,962	$	93,958
Non-current liabilities	58,368		60,503
Shareholders’ equity	241,892		209,722
Total liabilities and shareholders’ equity	$	360,222	$	364,183


	Half-Year Ended December 31,
(in thousands)	2020		2019

Gross revenues	$	71,153	$	98,531
Gross profit	51,231		59,250
Net profit (loss)	5,561		(13,280)

Fair Value Measurements (Tables)

6 Months Ended

Mar. 31, 2021

Fair Value Disclosures [Abstract]

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

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


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

Financial assets:
2.89% promissory note receivable due April 2024	$	1,164	$	1,164	$	—	$	—	$	1,164
Investments in unconsolidated affiliates	34,961		45,491		37,894		—		7,597

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


	Carrying Value		Estimated Fair Value
	March 31, 2020		March 31, 2020		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

Financial assets:
Notes receivable from Grupo Finmart, net	$	3,728	$	3,853	$	—	$	—	$	3,853
2.89% promissory note receivable due April 2024	1,132		1,132		—		—		1,132
Investments in unconsolidated affiliates	27,993		27,513		19,734		—		7,779

Financial liabilities:
2024 Convertible Notes	$	114,196	$	106,203	$	—	$	106,203	$	—
2025 Convertible Notes	129,624		128,081		—		128,081		—
8.5% unsecured debt due 2024	983		983		—		—		983
CASHMAX secured borrowing facility	(248)		281		—		—		281


	Carrying Value		Estimated Fair Value
	September 30, 2020		September 30, 2020		Fair Value Measurement Using
(in thousands)					Level 1		Level 2		Level 3

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

Debt (Tables)

6 Months Ended

Mar. 31, 2021

Debt Disclosure [Abstract]

Schedule of Long Term Debt Instruments

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


	March 31, 2021						March 31, 2020						September 30, 2020
(in thousands)	Gross Amount		Debt Discount and Issuance Costs		Carrying Amount		Gross Amount		Debt Discount and Issuance Costs		Carrying Amount		Gross Amount		Debt Discount and Issuance Costs		Carrying Amount

2024 Convertible Notes	$	143,750	$	(23,443)	$	120,307	$	143,750	$	(29,554)	$	114,196	$	143,750	$	(26,557)	$	117,193
2025 Convertible Notes	172,500		(35,664)		136,836		172,500		(42,876)		129,624		172,500		(39,336)		133,164
8.5% unsecured debt due 2024*	—		—		—		983		—		983		872		—		872
CASHMAX secured borrowing facility*	—		—		—		281		(529)		(248)		—		—		—
Total	$	316,250	$	(59,107)	$	257,143	$	317,514	$	(72,959)	$	244,555	$	317,122	$	(65,893)	$	251,229
Less current portion	—		—		—		267		—		267		213		—		213
Total long-term debt	$	316,250	$	(59,107)	$	257,143	$	317,247	$	(72,959)	$	244,288	$	316,909	$	(65,893)	$	251,016

* Amount translated from Guatemalan quetzals and Canadian dollars as of applicable period end. Certain disclosures omitted due to materiality considerations.

The following table presents the Company's contractual maturities related to the debt instruments as of March 31, 2021:


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

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

	$	316,250	$	—	$	—	$	316,250	$	—

* Excludes the potential impact of embedded derivatives as discussed below.

The following table presents the Company's interest expense related to the Convertible Notes for the three and six months ended March 31, 2021 and 2020:


	Three Months Ended March 31,				Six Months Ended March 31,
(in thousands)	2021		2020		2021		2020

2024 Convertible Notes:
Contractual interest expense	$	1,033	$	1,033	$	2,066	$	2,066
Amortization of debt discount and deferred financing costs	1,572		1,457		3,114		2,886
Total interest expense	$	2,605	$	2,490	$	5,180	$	4,952

2025 Convertible Notes:
Contractual interest expense	$	1,024	$	1,024	$	2,048	$	2,048
Amortization of debt discount and deferred financing costs	1,853		1,722		3,672		3,413
Total interest expense	$	2,877	$	2,746	$	5,720	$	5,461

- Definition

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

+ References

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

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 45
-Paragraph 1A
-URI http://asc.fasb.org/extlink&oid=119993939&loc=d3e28541-108399

Reference 3: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=109259400&loc=d3e21506-112644

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(e),(f))
-URI http://asc.fasb.org/extlink&oid=120395691&loc=d3e23780-122690

Reference 5: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=119993939&loc=d3e28551-108399

Reference 6: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=109259400&loc=d3e21521-112644

Reference 7: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=109259400&loc=d3e21538-112644

Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 470
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=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
-Paragraph 8
-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
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=109259400&loc=d3e21475-112644

+ Details

Segment Information (Tables)

6 Months Ended

Mar. 31, 2021

Segment Reporting [Abstract]

Schedule of Operating Segment Information

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


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

Revenues:
Merchandise sales	$	93,827	$	21,398	$	—	$	115,225	$	—	$	115,225
Jewelry scrapping sales	3,581		2,494		—		6,075		—		6,075
Pawn service charges	49,577		13,859		—		63,436		—		63,436
Other revenues	29		—		174		203		—		203
Total revenues	147,014		37,751		174		184,939		—		184,939
Merchandise cost of goods sold	51,812		13,978		—		65,790		—		65,790
Jewelry scrapping cost of goods sold	3,149		2,252		—		5,401		—		5,401
Other cost of revenues	—		—		—		—		—		—
Net revenues	92,053		21,521		174		113,748		—		113,748
Segment and corporate expenses (income):
Store expenses	63,657		17,492		—		81,149		—		81,149
General and administrative	—		—		—		—		13,771		13,771

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

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

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


	Three Months Ended March 31, 2020
(in thousands)	U.S. Pawn		Latin America Pawn		Other International		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	102,447	$	27,383			$	129,830	$	—	$	129,830
Jewelry scrapping sales	9,659		2,219				11,878		—		11,878
Pawn service charges	61,700		18,522				80,222		—		80,222
Other revenues	31		25		1,294		1,350				1,350
Total revenues	173,837		48,149		1,294		223,280		—		223,280
Merchandise cost of goods sold	65,286		20,490		—		85,776		—		85,776
Jewelry scrapping cost of goods sold	7,800		1,817		—		9,617		—		9,617
Other cost of revenues	—		37		488		525		—		525
Net revenues	100,751		25,805		806		127,362		—		127,362
Segment and corporate expenses (income):
Store expenses	67,619		18,469		1,560		87,648		—		87,648
General and administrative	—		—		—		—		15,341		15,341
Impairment of goodwill, intangible and other assets	10,000		35,936		1,124		47,060		—		47,060
Depreciation and amortization	2,711		1,940		23		4,674		3,088		7,762
(Gain) loss on sale or disposal of assets and other	—		(123)		—		(123)		384		261

Interest expense	—		402		154		556		5,325		5,881
Interest income	—		(369)		—		(369)		(572)		(941)
Equity in net income of unconsolidated affiliates	—		—		(1,184)		(1,184)		—		(1,184)

Other (income) expense	—		(309)		20		(289)		(52)		(341)
Segment contribution (loss)	$	20,421	$	(30,141)	$	(891)	$	(10,611)
Loss before income taxes							$	(10,611)	$	(23,514)	$	(34,125)


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

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

Depreciation and amortization	5,372		3,653		—		9,025		6,636		15,661
Loss on sale or disposal of assets and other	27		—		—		27		63		90

Interest expense	—		—		—		—		10,973		10,973
Interest income	—		(1,335)		—		(1,335)		(71)		(1,406)
Equity in net income of unconsolidated affiliates	—		—		(1,766)		(1,766)		—		(1,766)

Other (income) expense	—		(370)		(201)		(571)		117		(454)
Segment contribution	$	46,501	$	7,583	$	2,216	$	56,300
Income (loss) before income taxes							$	56,300	$	(43,999)	$	12,301


	Six Months Ended March 31, 2020
(in thousands)	U.S. Pawn		Latin America Pawn		Other International		Total Segments		Corporate Items		Consolidated

Revenues:
Merchandise sales	$	197,801	$	58,757	$	—	$	256,558	$	—	$	256,558
Jewelry scrapping sales	15,776		5,630		—		21,406		—		21,406
Pawn service charges	125,790		39,157		—		164,947		—		164,947
Other revenues	67		50		2,686		2,803		—		2,803
Total revenues	339,434		103,594		2,686		445,714		—		445,714
Merchandise cost of goods sold	126,650		43,202		—		169,852		—		169,852
Jewelry scrapping cost of goods sold	12,555		4,816		—		17,371		—		17,371
Other cost of revenues	—		37		1,024		1,061		—		1,061
Net revenues	200,229		55,539		1,662		257,430		—		257,430
Segment and corporate expenses (income):
Store expenses	135,678		38,452		2,793		176,923		—		176,923
General and administrative	—		—		—		—		34,179		34,179
Impairment of goodwill, intangible and other assets	10,000		35,936		1,124		47,060		—		47,060
Depreciation and amortization	5,576		3,829		57		9,462		6,033		15,495
(Gain) loss on sale or disposal of assets and other	—		(95)		—		(95)		1,100		1,005
Interest expense	—		430		324		754		10,456		11,210
Interest income	—		(757)		—		(757)		(1,027)		(1,784)
Equity in net loss of unconsolidated affiliates	—		—		4,713		4,713		—		4,713
Other (income) expense	—		(242)		19		(223)		(20)		(243)
Segment contribution (loss)	$	48,975	$	(22,014)	$	(7,368)	$	19,593
Income (loss) before income taxes							$	19,593	$	(50,721)	$	(31,128)

Supplemental Consolidated Financial Information (Tables)

6 Months Ended

Mar. 31, 2021

Organization, Consolidation and Presentation of Financial Statements [Abstract]

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

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


(in thousands)	March 31, 2021		March 31, 2020		September 30, 2020

Gross pawn service charges receivable	$	26,607	$	34,843	$	27,259
Allowance for uncollectible pawn service charges receivable	(5,765)		(7,539)		(6,679)
Pawn service charges receivable, net	$	20,842	$	27,304	$	20,580

Gross inventory	$	93,470	$	182,794	$	108,205
Inventory reserves	(7,256)		(9,543)		(12,314)
Inventory, net	$	86,214	$	173,251	$	95,891

Prepaid expenses and other	$	7,881	$	8,953	$	10,614
Accounts receivable and other	8,442		10,934		6,991
Income taxes receivable	14,353		3,742		15,298
Prepaid expenses and other current assets	$	30,676	$	23,629	$	32,903

Property and equipment, gross	$	273,513	$	261,234	$	267,509
Accumulated depreciation	(221,677)		(202,447)		(210,523)
Property and equipment, net	$	51,836	$	58,787	$	56,986

Accounts payable	$	17,957	$	15,582	$	19,114
Accrued expenses and other	51,062		37,570		52,390
Accounts payable, accrued expenses and other current liabilities	$	69,019	$	53,152	$	71,504

Expected Credit Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Sep. 30, 2020	Mar. 31, 2020
Credit Loss [Abstract]
Pawn loans	$ 125,268	$ 131,323	$ 160,179
Pawn service charges receivable, net	$ 20,842	$ 20,580	$ 27,304

Other Charges - Additional Information (Details) - Cost savings initiative plan - USD ($)	3 Months Ended
	Dec. 31, 2020	Sep. 30, 2020	Mar. 31, 2021
Restructuring Cost and Reserve [Line Items]
Restructuring costs	$ 0	$ 20,400,000
Restructuring reserve	$ 6,103,000	$ 10,718,000	$ 4,528,000

Other Charges - Activity (Details) - Cost savings initiative plan - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Dec. 31, 2020
Restructuring Reserve [Roll Forward]
Accrued charges beginning balance	$ 6,103	$ 10,718
Charges	0	0
Payments and Adjustments	(1,575)	(4,615)
Accrued charges ending balance	4,528	6,103
Labor reduction costs
Restructuring Reserve [Roll Forward]
Accrued charges beginning balance	3,603	5,946
Charges	0	0
Payments and Adjustments	(1,075)	(2,343)
Accrued charges ending balance	2,528	3,603
CASHMAX shutdown costs
Restructuring Reserve [Roll Forward]
Accrued charges beginning balance	400	800
Charges	0	0
Payments and Adjustments	(400)	(400)
Accrued charges ending balance	0	400
Store closure costs
Restructuring Reserve [Roll Forward]
Accrued charges beginning balance	100	1,806
Charges	0	0
Payments and Adjustments	(100)	(1,706)
Accrued charges ending balance	0	100
Other
Restructuring Reserve [Roll Forward]
Accrued charges beginning balance	2,000	2,166
Charges	0	0
Payments and Adjustments	0	(166)
Accrued charges ending balance	$ 2,000	$ 2,000

Earnings per Share - Basic and Diluted Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Mar. 31, 2021	Mar. 31, 2020
Earnings Per Share [Abstract]
Net income (loss)	$ 5,330	$ (40,874)	$ 9,629	$ (39,636)
Earnings per common share
Average common share outstanding (denominator) (in shares)	55,661	55,448	55,509	55,557
Earnings per common share (in dollars per share)	$ 0.10	$ (0.74)	$ 0.17	$ (0.71)
Diluted earnings per common share
Average common share outstanding (in shares)	55,661	55,448	55,509	55,557
Dilutive effect of restricted stock and convertible notes (in shares)	4	74	2	51
Diluted average common shares outstanding (denominator) (in shares)	55,665	55,522	55,511	55,608
Diluted earnings per common share (in dollars per share)	$ 0.10	$ (0.74)	$ 0.17	$ (0.71)
Potential common shares excluded from the calculation of diluted earnings per share above, Restricted stock (in shares)	964	2,777	831	2,495

Earnings Per Share - Additional Information (Details) - shares shares in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Mar. 31, 2021	Mar. 31, 2020
Earnings Per Share [Abstract]
Potentially dilutive share based awards (in shares)	964	2,777	831	2,495

Leases - Additional Information (Details) - USD ($) $ in Millions	6 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
Lessee, Lease, Description [Line Items]
Operating lease right of use asset non cash	$ 6.6	$ 0.9
Operating lease liability non cash	$ 6.6	$ 0.9
Minimum
Lessee, Lease, Description [Line Items]
Initial term of lease (in years)	3 years
Maximum
Lessee, Lease, Description [Line Items]
Initial term of lease (in years)	10 years

Leases - Lessee Assets and Liabilities (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Sep. 30, 2020	Mar. 31, 2020	Sep. 30, 2019
Leases [Abstract]
Right-of-use asset	$ 170,479	$ 183,809	$ 206,839	$ 183,809
Lease liability, current	41,060	49,742	44,076	49,742
Lease liability, non-current	138,622	153,040	171,006	$ 153,040
Present value of operating lease liabilities	$ 179,682	$ 202,782	$ 215,082

Leases - Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
Leases - Lease Cost (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Mar. 31, 2020	Mar. 31, 2021	Mar. 31, 2020
Leases [Abstract]
Operating lease expense	$ 14,616	$ 15,453	$ 29,815	$ 31,978
Variable lease expense	2,923	3,093	5,968	5,900
Other	(859)	0	(1,725)	0
Total lease expense	$ 16,680	$ 18,546	$ 34,058	$ 37,878

Leases - Supplemental Cash Flow Information (Details)	Mar. 31, 2021	Mar. 31, 2020
Leases [Abstract]
Weighted-average remaining contractual lease term (years)	5 years 25 days	5 years 8 months 19 days
Weighted-average incremental borrowing rate	7.88%	8.25%

Leases - Operating Lease Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Sep. 30, 2020	Mar. 31, 2020	Sep. 30, 2019
Leases [Abstract]
Remaining 2021	$ 26,419
Fiscal 2022	53,629
Fiscal 2023	41,651
Fiscal 2024	30,463
Fiscal 2025	21,522
Thereafter	45,866
Total lease payments	219,550
Less: Portion representing interest	39,868
Present value of operating lease liabilities	179,682	$ 202,782	$ 215,082
Less: Current portion	41,060	49,742	44,076	$ 49,742
Non-current portion	$ 138,622	$ 153,040	$ 171,006	$ 153,040

Strategic Investments - Additional Disclosures (Details) - Cash Converters International Limited	Mar. 31, 2021 shares
Schedule of Equity Method Investments [Line Items]
Number of common shares owned (in shares)	214,183,714
Percentage of common shares owned	34.75%

Strategic Investments - Summarized Financial Information (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Mar. 31, 2021	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2020	Sep. 30, 2020	Dec. 31, 2019
Summary of financial information for Cash Converters International Limited
Current assets	$ 606,644	$ 585,820	$ 606,644	$ 585,820			$ 593,250
Total assets	1,196,253	1,213,132	1,196,253	1,213,132			1,197,023
Current liabilities	121,480	110,555	121,480	110,555			132,467
Total liabilities and equity	1,196,253	1,213,132	1,196,253	1,213,132			$ 1,197,023
Gross profit	113,748	127,362	222,138	257,430
Net profit (loss)	$ 5,330	$ (40,874)	$ 9,629	(39,636)
Cash Converters International Limited
Summary of financial information for Cash Converters International Limited
Current assets						$ 170,412		$ 164,906
Non-current assets						189,810		199,277
Total assets						360,222		364,183
Current liabilities						59,962		93,958
Non-current liabilities						58,368		60,503
Shareholders’ equity						241,892		209,722
Total liabilities and equity						$ 360,222		$ 364,183
Gross revenues				71,153	$ 98,531
Gross profit				51,231	59,250
Net profit (loss)				$ 5,561	$ (13,280)

Fair Value Measurements - Financial Assets and Liabilities (Details) - USD ($) $ in Thousands	1 Months Ended	6 Months Ended		12 Months Ended
	Apr. 30, 2019	Mar. 31, 2021	Mar. 31, 2020	Sep. 30, 2020	Apr. 01, 2019
Financial liabilities:
Interest on note receivable	2.89%
Notes receivable from Grupo Finmart, net \| Carrying Value
Financial assets:
Notes receivable, fair value			$ 3,728
Notes receivable from Grupo Finmart, net \| Estimated Fair Value
Financial assets:
Notes receivable, fair value			3,853
Notes receivable from Grupo Finmart, net \| Estimated Fair Value \| Level 1
Financial assets:
Notes receivable, fair value			0
Notes receivable from Grupo Finmart, net \| Estimated Fair Value \| Level 2
Financial assets:
Notes receivable, fair value			0
Notes receivable from Grupo Finmart, net \| Estimated Fair Value \| Level 3
Financial assets:
Notes receivable, fair value			$ 3,853
2.89% promissory note receivable due April 2024
Financial assets:
Notes receivable, fair value					$ 1,100
Financial liabilities:
Interest on note receivable	2.89%	2.89%	2.89%	2.89%
2.89% promissory note receivable due April 2024 \| Carrying Value
Financial assets:
Notes receivable, fair value		$ 1,164	$ 1,132	$ 1,148
2.89% promissory note receivable due April 2024 \| Estimated Fair Value
Financial assets:
Notes receivable, fair value		1,164	1,132	1,148
2.89% promissory note receivable due April 2024 \| Estimated Fair Value \| Level 1
Financial assets:
Notes receivable, fair value		0	0	0
2.89% promissory note receivable due April 2024 \| Estimated Fair Value \| Level 2
Financial assets:
Notes receivable, fair value		0	0	0
2.89% promissory note receivable due April 2024 \| Estimated Fair Value \| Level 3
Financial assets:
Notes receivable, fair value		1,164	1,132	1,148
Investments in unconsolidated affiliates \| Carrying Value
Financial assets:
Investments in unconsolidated affiliates, fair value		34,961	27,993	32,458
Investments in unconsolidated affiliates \| Estimated Fair Value
Financial assets:
Investments in unconsolidated affiliates, fair value		45,491	27,513	32,597
Investments in unconsolidated affiliates \| Estimated Fair Value \| Level 1
Financial assets:
Investments in unconsolidated affiliates, fair value		37,894	19,734	24,833
Investments in unconsolidated affiliates \| Estimated Fair Value \| Level 2
Financial assets:
Investments in unconsolidated affiliates, fair value		0	0	0
Investments in unconsolidated affiliates \| Estimated Fair Value \| Level 3
Financial assets:
Investments in unconsolidated affiliates, fair value		7,597	7,779	7,764
2024 Convertible Notes \| Carrying Value
Financial liabilities:
Debt instruments, fair value		120,307	114,196	117,193
2024 Convertible Notes \| Estimated Fair Value
Financial liabilities:
Debt instruments, fair value		132,609	106,203	129,979
2024 Convertible Notes \| Estimated Fair Value \| Level 1
Financial liabilities:
Debt instruments, fair value		0	0	0
2024 Convertible Notes \| Estimated Fair Value \| Level 2
Financial liabilities:
Debt instruments, fair value		132,609	106,203	129,979
2024 Convertible Notes \| Estimated Fair Value \| Level 3
Financial liabilities:
Debt instruments, fair value		0	0	0
2025 Convertible Notes \| Carrying Value
Financial liabilities:
Debt instruments, fair value		136,836	129,624	133,164
2025 Convertible Notes \| Estimated Fair Value
Financial liabilities:
Debt instruments, fair value		143,175	128,081	137,569
2025 Convertible Notes \| Estimated Fair Value \| Level 1
Financial liabilities:
Debt instruments, fair value		0	0	0
2025 Convertible Notes \| Estimated Fair Value \| Level 2
Financial liabilities:
Debt instruments, fair value		143,175	128,081	137,569
2025 Convertible Notes \| Estimated Fair Value \| Level 3
Financial liabilities:
Debt instruments, fair value		$ 0	$ 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 instruments, fair value			$ 983	$ 872
8.5% unsecured debt due 2024 \| Estimated Fair Value
Financial liabilities:
Debt instruments, fair value			983	872
8.5% unsecured debt due 2024 \| Estimated Fair Value \| Level 1
Financial liabilities:
Debt instruments, fair value			0	0
8.5% unsecured debt due 2024 \| Estimated Fair Value \| Level 2
Financial liabilities:
Debt instruments, fair value			0	0
8.5% unsecured debt due 2024 \| Estimated Fair Value \| Level 3
Financial liabilities:
Debt instruments, fair value			983	$ 872
CASHMAX secured borrowing facility \| Carrying Value
Financial liabilities:
Debt instruments, fair value			(248)
CASHMAX secured borrowing facility \| Estimated Fair Value
Financial liabilities:
Debt instruments, fair value			281
CASHMAX secured borrowing facility \| Estimated Fair Value \| Level 1
Financial liabilities:
Debt instruments, fair value			0
CASHMAX secured borrowing facility \| Estimated Fair Value \| Level 2
Financial liabilities:
Debt instruments, fair value			0
CASHMAX secured borrowing facility \| Estimated Fair Value \| Level 3
Financial liabilities:
Debt instruments, fair value			$ 281

Fair Value Measurements - Additional Information (Details) - USD ($) $ in Millions	1 Months Ended		6 Months Ended		12 Months Ended
	Apr. 30, 2019	Mar. 31, 2019	Mar. 31, 2021	Mar. 31, 2020	Sep. 30, 2020	Apr. 01, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Amount received in previously escrowed seller funds		$ 1.1
Interest on note receivable	2.89%
Cash Converters International Limited
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity method of accounting ownership percentage			34.75%
Rich Data Corp
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity method of accounting ownership percentage			13.14%
2.89% promissory note receivable due April 2024
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Notes receivable, fair value						$ 1.1
Interest on note receivable	2.89%		2.89%	2.89%	2.89%

Debt - Outstanding Obligations (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Sep. 30, 2020	Mar. 31, 2020	May 31, 2018	May 14, 2018	Jul. 31, 2017
Gross Amount
Total	$ 316,250	$ 317,122	$ 317,514
Less current portion	0	213	267
Total long-term debt	316,250	316,909	317,247
Debt Discount and Issuance Costs
Total	(59,107)	(65,893)	(72,959)
Less current portion	0	0	0
Total long-term debt	(59,107)	(65,893)	(72,959)
Carrying Amount
Total	257,143	251,229	244,555
Less current portion	0	213	267
Total long-term debt	257,143	251,016	244,288
2024 Convertible Notes
Carrying Amount
Stated interest rate						2.875%
2025 Convertible Notes
Carrying Amount
Stated interest rate				2.375%	2.375%
Senior Notes \| 2024 Convertible Notes
Gross Amount
Total	143,750	143,750	143,750
Debt Discount and Issuance Costs
Total	(23,443)	(26,557)	(29,554)
Carrying Amount
Total	120,307	117,193	114,196
Senior Notes \| 2025 Convertible Notes
Gross Amount
Total	172,500	172,500	172,500
Debt Discount and Issuance Costs
Total	(35,664)	(39,336)	(42,876)
Carrying Amount
Total	136,836	133,164	129,624
Unsecured Debt \| 8.5% unsecured debt due 2024
Gross Amount
Total	0	872	983
Debt Discount and Issuance Costs
Total	0	0	0
Carrying Amount
Total	$ 0	872	983
Stated interest rate	8.50%
Receivables Securitization Facility \| CASHMAX secured borrowing facility
Gross Amount
Total	$ 0	0	281
Debt Discount and Issuance Costs
Total	0	0	(529)
Carrying Amount
Total	$ 0	$ 0	$ (248)

Debt - Principal Payments (Details) - USD ($)	Mar. 31, 2021	May 31, 2018	Jul. 31, 2017
Debt Instrument [Line Items]
Total	$ 316,250,000
Less Than 1 Year	0
1 - 3 Years	0
3 - 5 Years	316,250,000
More Than 5 Years	0
2024 Convertible Notes
Debt Instrument [Line Items]
Total			$ 143,750,000
2025 Convertible Notes
Debt Instrument [Line Items]
Total		$ 172,500,000
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
More Than 5 Years	0
Senior Notes \| 2025 Convertible Notes
Debt Instrument [Line Items]
Total	172,500,000
Less Than 1 Year	0
1 - 3 Years	0
3 - 5 Years	172,500,000
More Than 5 Years	$ 0

Debt - Interest Expense (Details) - Senior Notes - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2021	Mar. 31, 2020	Mar. 31, 2021	Mar. 31, 2020
2024 Convertible Notes
Debt Instrument [Line Items]
Contractual interest expense	$ 1,033	$ 1,033	$ 2,066	$ 2,066
Amortization of debt discount and deferred financing costs	1,572	1,457	3,114	2,886
Total interest expense	2,605	2,490	5,180	4,952
2025 Convertible Notes
Debt Instrument [Line Items]
Contractual interest expense	1,024	1,024	2,048	2,048
Amortization of debt discount and deferred financing costs	1,853	1,722	3,672	3,413
Total interest expense	$ 2,877	$ 2,746	$ 5,720	$ 5,461

Debt - Additional Information (Details)		1 Months Ended	6 Months Ended
Debt - Additional Information (Details)	May 14, 2018 day $ / shares	Jul. 31, 2017 USD ($) day $ / shares	Mar. 31, 2021 USD ($)	Sep. 30, 2020 USD ($)	Mar. 31, 2020 USD ($)	May 31, 2018 USD ($)
Debt Instrument [Line Items]
Principal amount			$ 316,250,000
Carrying amount			257,143,000	$ 251,229,000	$ 244,555,000
2024 Convertible Notes
Debt Instrument [Line Items]
Stated interest rate		2.875%
Principal amount		$ 143,750,000
2024 Convertible Notes \| Common Stock Class A Non-voting
Debt Instrument [Line Items]
Conversion rate per $1,000 principal amount		0.1
Conversion price, per share (in dollars per share) \| $ / shares		$ 10.00
2024 Convertible Notes \| Additional Paid-in Capital
Debt Instrument [Line Items]
Equity component of debt, gross			39,800,000
Carrying amount			$ 25,300,000
Effective interest rate			9.00%
2024 Convertible Notes \| Senior Notes
Debt Instrument [Line Items]
Principal amount			$ 143,750,000
Carrying amount			120,307,000	117,193,000	114,196,000
2024 Convertible Notes \| Debt Conversion, Condition One \| Senior Notes
Debt Instrument [Line Items]
Trading days threshold \| day		20
Consecutive trading day threshold \| day		30
2025 Convertible Notes
Debt Instrument [Line Items]
Stated interest rate	2.375%					2.375%
Principal amount						$ 172,500,000
2025 Convertible Notes \| Additional Paid-in Capital
Debt Instrument [Line Items]
Equity component of debt, gross			49,600,000
2025 Convertible Notes \| Senior Notes
Debt Instrument [Line Items]
Principal amount			172,500,000
Carrying amount			$ 136,836,000	133,164,000	129,624,000
Effective interest rate			9.00%
Conversion rate per $1,000 principal amount	0.0628931
Conversion price, per share (in dollars per share) \| $ / shares	$ 15.90
Share price (in dollars per share) \| $ / shares	$ 15.90
2025 Convertible Notes \| Senior Notes \| Additional Paid-in Capital
Debt Instrument [Line Items]
Equity component of debt			$ 39,100,000
2025 Convertible Notes \| Debt Conversion, Condition One \| Senior Notes
Debt Instrument [Line Items]
Trading days threshold \| day	20
Consecutive trading day threshold \| day	30
CASHMAX secured borrowing facility \| Receivables Securitization Facility
Debt Instrument [Line Items]
Carrying amount			$ 0	$ 0	$ (248,000)

Share-Based Compensation (Details) - USD ($)	1 Months Ended					3 Months Ended			6 Months Ended	12 Months Ended
Share-Based Compensation (Details) - USD ($)	Mar. 31, 2021	Feb. 28, 2021	Jan. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Dec. 31, 2020	Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2021	Sep. 30, 2020
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock repurchase program, period (in years)					3 years
Common stock repurchased and retired							$ 4,195,000	$ 963,000
Non-employee Directors \| Restricted stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)		127,744		143,145		222,912
Granted (in dollars per share)		$ 5.01		$ 5.03
Vested and released (in shares)	63,620	79,525
Share-based payment award, options, grants in period, weighted average grant date fair value (in dollars per share)						$ 6.46
Employee \| Restricted stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)		392,419
Share-based payment award, options, grants in period, weighted average grant date fair value (in dollars per share)		$ 4.96
Employee \| Restricted stock \| Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)			289,592
Granted (in dollars per share)			$ 4.68
Employee \| Restricted stock \| Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)			275,107
Granted (in dollars per share)			$ 4.71
Class A Common Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock repurchase program, amount authorized					$ 60,000,000.0			$ 60,000,000.0
Common stock repurchased and retired (in shares)									0	943,149
Common stock repurchased and retired										$ 5,200,000

Segment Information (Details) $ in Thousands	3 Months Ended		6 Months Ended
Segment Information (Details) $ in Thousands	Mar. 31, 2021 USD ($)	Mar. 31, 2020 USD ($)	Mar. 31, 2021 USD ($) segment	Mar. 31, 2020 USD ($)
Segment Reporting [Abstract]
Number of reportable segments \| segment			3
Revenues:
Total revenues	$ 184,939	$ 223,280	$ 363,074	$ 445,714
Net revenues	113,748	127,362	222,138	257,430
Segment and corporate expenses (income):
Store expenses	81,149	87,648	160,458	176,923
General and administrative	13,771	15,341	26,281	34,179
Impairment of goodwill and intangible assets	0	47,060	0	47,060
Depreciation and amortization	8,089	7,762	15,661	15,495
(Gain) loss on sale or disposal of assets and other	112	261	90	1,005
Interest expense	5,518	5,881	10,973	11,210
Interest income	(585)	(941)	(1,406)	(1,784)
Equity in net income (loss) of unconsolidated affiliates	(1,250)	(1,184)	(1,766)	4,713
Other expense	145	(341)	(454)	(243)
Income (loss) before income taxes	6,799	(34,125)	12,301	(31,128)
Segments
Revenues:
Total revenues	184,939	223,280	363,074	445,714
Net revenues	113,748	127,362	222,138	257,430
Segment and corporate expenses (income):
Store expenses	81,149	87,648	160,458	176,923
General and administrative	0	0	0	0
Impairment of goodwill and intangible assets		47,060		47,060
Depreciation and amortization	4,429	4,674	9,025	9,462
(Gain) loss on sale or disposal of assets and other	101	(123)	27	(95)
Interest expense	0	556	0	754
Interest income	(571)	(369)	(1,335)	(757)
Equity in net income (loss) of unconsolidated affiliates	(1,250)	(1,184)	(1,766)	4,713
Other expense	94	(289)	(571)	(223)
Income (loss) before income taxes	29,796	(10,611)	56,300	19,593
Segments \| U.S. Pawn
Revenues:
Total revenues	147,014	173,837	283,513	339,434
Net revenues	92,053	100,751	177,649	200,229
Segment and corporate expenses (income):
Store expenses	63,657	67,619	125,749	135,678
General and administrative	0	0	0	0
Impairment of goodwill and intangible assets		10,000		10,000
Depreciation and amortization	2,636	2,711	5,372	5,576
(Gain) loss on sale or disposal of assets and other	0	0	27	0
Interest expense	0	0	0	0
Interest income	0	0	0	0
Equity in net income (loss) of unconsolidated affiliates	0	0	0	0
Other expense	0	0	0	0
Income (loss) before income taxes	25,760	20,421	46,501	48,975
Segments \| Latin America Pawn
Revenues:
Total revenues	37,751	48,149	79,312	103,594
Net revenues	21,521	25,805	44,240	55,539
Segment and corporate expenses (income):
Store expenses	17,492	18,469	34,709	38,452
General and administrative	0	0	0	0
Impairment of goodwill and intangible assets		35,936		35,936
Depreciation and amortization	1,793	1,940	3,653	3,829
(Gain) loss on sale or disposal of assets and other	101	(123)	0	(95)
Interest expense	0	402	0	430
Interest income	(571)	(369)	(1,335)	(757)
Equity in net income (loss) of unconsolidated affiliates	0	0	0	0
Other expense	85	(309)	(370)	(242)
Income (loss) before income taxes	2,621	(30,141)	7,583	(22,014)
Segments \| Other International
Revenues:
Total revenues	174	1,294	249	2,686
Net revenues	174	806	249	1,662
Segment and corporate expenses (income):
Store expenses	0	1,560	0	2,793
General and administrative	0	0	0	0
Impairment of goodwill and intangible assets		1,124		1,124
Depreciation and amortization	0	23	0	57
(Gain) loss on sale or disposal of assets and other	0	0	0	0
Interest expense	0	154	0	324
Interest income	0	0	0	0
Equity in net income (loss) of unconsolidated affiliates	(1,250)	(1,184)	(1,766)	4,713
Other expense	9	20	(201)	19
Income (loss) before income taxes	1,415	(891)	2,216	(7,368)
Corporate Items
Revenues:
Total revenues	0	0	0	0
Net revenues	0	0	0	0
Segment and corporate expenses (income):
Store expenses	0	0	0	0
General and administrative	13,771	15,341	26,281	34,179
Impairment of goodwill and intangible assets		0		0
Depreciation and amortization	3,660	3,088	6,636	6,033
(Gain) loss on sale or disposal of assets and other	11	384	63	1,100
Interest expense	5,518	5,325	10,973	10,456
Interest income	(14)	(572)	(71)	(1,027)
Equity in net income (loss) of unconsolidated affiliates	0	0	0	0
Other expense	51	(52)	117	(20)
Income (loss) before income taxes	(22,997)	(23,514)	(43,999)	(50,721)
Merchandise
Revenues:
Total revenues	115,225	129,830	223,008	256,558
Cost of goods sold	65,790	85,776	130,333	169,852
Merchandise \| Segments
Revenues:
Total revenues	115,225	129,830	223,008	256,558
Cost of goods sold	65,790	85,776	130,333	169,852
Merchandise \| Segments \| U.S. Pawn
Revenues:
Total revenues	93,827	102,447	176,080	197,801
Cost of goods sold	51,812	65,286	99,871	126,650
Merchandise \| Segments \| Latin America Pawn
Revenues:
Total revenues	21,398	27,383	46,928	58,757
Cost of goods sold	13,978	20,490	30,462	43,202
Merchandise \| Segments \| Other International
Revenues:
Total revenues	0		0	0
Cost of goods sold	0	0	0	0
Merchandise \| Corporate Items
Revenues:
Total revenues	0	0	0	0
Cost of goods sold	0	0	0	0
Jewelry scrapping
Revenues:
Total revenues	6,075	11,878	12,834	21,406
Cost of goods sold	5,401	9,617	10,603	17,371
Jewelry scrapping \| Segments
Revenues:
Total revenues	6,075	11,878	12,834	21,406
Cost of goods sold	5,401	9,617	10,603	17,371
Jewelry scrapping \| Segments \| U.S. Pawn
Revenues:
Total revenues	3,581	9,659	7,585	15,776
Cost of goods sold	3,149	7,800	5,993	12,555
Jewelry scrapping \| Segments \| Latin America Pawn
Revenues:
Total revenues	2,494	2,219	5,249	5,630
Cost of goods sold	2,252	1,817	4,610	4,816
Jewelry scrapping \| Segments \| Other International
Revenues:
Total revenues	0		0	0
Cost of goods sold	0	0	0	0
Jewelry scrapping \| Corporate Items
Revenues:
Total revenues	0	0	0	0
Cost of goods sold	0	0	0	0
Pawn service charges
Revenues:
Total revenues	63,436	80,222	126,925	164,947
Pawn service charges \| Segments
Revenues:
Total revenues	63,436	80,222	126,925	164,947
Pawn service charges \| Segments \| U.S. Pawn
Revenues:
Total revenues	49,577	61,700	99,797	125,790
Pawn service charges \| Segments \| Latin America Pawn
Revenues:
Total revenues	13,859	18,522	27,128	39,157
Pawn service charges \| Segments \| Other International
Revenues:
Total revenues	0		0	0
Pawn service charges \| Corporate Items
Revenues:
Total revenues	0	0	0	0
Other
Revenues:
Total revenues	203	1,350	307	2,803
Cost of goods sold	0	525	0	1,061
Other \| Segments
Revenues:
Total revenues	203	1,350	307	2,803
Cost of goods sold		525	0	1,061
Other \| Segments \| U.S. Pawn
Revenues:
Total revenues	29	31	51	67
Cost of goods sold		0	0	0
Other \| Segments \| Latin America Pawn
Revenues:
Total revenues	0	25	7	50
Cost of goods sold		37	0	37
Other \| Segments \| Other International
Revenues:
Total revenues	174	1,294	249	2,686
Cost of goods sold	0	488		1,024
Other \| Corporate Items
Revenues:
Total revenues	$ 0		0	0
Cost of goods sold		$ 0	$ 0	$ 0

Supplemental Consolidated Financial Information (Details) - USD ($) $ in Thousands	Mar. 31, 2021	Sep. 30, 2020	Mar. 31, 2020
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Gross pawn service charges receivable	$ 26,607	$ 27,259	$ 34,843
Allowance for uncollectible pawn service charges receivable	(5,765)	(6,679)	(7,539)
Pawn service charges receivable, net	20,842	20,580	27,304
Gross inventory	93,470	108,205	182,794
Inventory reserves	(7,256)	(12,314)	(9,543)
Inventory, net	86,214	95,891	173,251
Prepaid expenses and other	7,881	10,614	8,953
Accounts receivable and other	8,442	6,991	10,934
Income taxes receivable	14,353	15,298	3,742
Prepaid expenses and other current assets	30,676	32,903	23,629
Property and equipment, gross	273,513	267,509	261,234
Accumulated depreciation	(221,677)	(210,523)	(202,447)
Property and equipment, net	51,836	56,986	58,787
Accounts payable	17,957	19,114	15,582
Accrued expenses and other	51,062	52,390	37,570
Accounts payable, accrued expenses and other current liabilities	$ 69,019	$ 71,504	$ 53,152

Label	Element	Value
Restricted Cash and Cash Equivalents	us-gaap_RestrictedCashAndCashEquivalents	$ 8,006,000
Restricted Cash and Cash Equivalents	us-gaap_RestrictedCashAndCashEquivalents	$ 4,000,000