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Document and Entity Information - shares	3 Months Ended
Document and Entity Information - shares	Dec. 31, 2018	Jan. 25, 2019
Document Information [Line Items]
Entity Registrant Name	EZCORP INC
Entity Central Index Key	0000876523
Current Fiscal Year End Date	--09-30
Entity Filer Category	Accelerated Filer
Document Type	10-Q
Document Period End Date	Dec. 31, 2018
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q1
Amendment Flag	false
Entity Emerging Growth Company	false
Entity Small Business	false
Common Stock Class A Non-voting
Document Information [Line Items]
Entity Common Stock, Shares Outstanding (shares)		52,475,070
Common Stock Class B Voting
Document Information [Line Items]
Entity Common Stock, Shares Outstanding (shares)		2,970,171

Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2018	Sep. 30, 2018	Dec. 31, 2017
Current assets:
Cash and cash equivalents	$ 297,031	$ 286,015	$ 113,584
Pawn loans	193,984	198,463	177,001
Pawn service charges receivable, net	38,959	38,318	34,054
Inventory, net	175,422	166,997	163,310
Notes receivable, net	26,711	34,199	36,682
Prepaid expenses and other current assets	31,223	33,154	26,516
Total current assets	763,330	757,146	551,147
Investment in unconsolidated affiliate	35,511	49,500	45,605
Property and equipment, net	69,770	73,649	62,098
Goodwill	294,881	297,448	288,773
Intangible assets, net	55,956	54,923	43,974
Notes receivable, net	4,599	3,226	23,343
Deferred tax asset, net	9,283	7,165	10,997
Other assets	4,442	3,863	16,625
Total assets	1,237,772	1,246,920	1,042,562
Current liabilities:
Current maturities of long-term debt, net	190,238	190,181	0
Accounts payable, accrued expenses and other current liabilities	57,628	57,800	60,207
Customer layaway deposits	11,747	11,824	10,686
Total current liabilities	259,613	259,805	70,893
Long-term debt, net	229,928	226,702	294,761
Deferred tax liability, net	9,617	8,817	0
Other long-term liabilities	6,150	6,890	8,845
Total liabilities	505,308	502,214	374,499
Commitments and contingencies (Note 8)
Stockholders’ equity:
Additional paid-in capital	400,081	397,927	351,110
Retained earnings	387,936	392,180	364,414
Accumulated other comprehensive loss	(49,104)	(42,616)	(44,902)
EZCORP, Inc. stockholders’ equity	739,467	748,037	671,167
Noncontrolling interest	(7,003)	(3,331)	(3,104)
Total equity	732,464	744,706	668,063
Total liabilities and equity	1,237,772	1,246,920	1,042,562
Common Stock Class A Non-voting
Stockholders’ equity:
Common stock	524	516	515
Common Stock Class B Voting
Stockholders’ equity:
Common stock	$ 30	$ 30	$ 30

Condensed Consolidated Balance Sheets (Parenthetical) - $ / shares	Dec. 31, 2018	Sep. 30, 2018	Dec. 31, 2017
Common Stock Class A Non-voting
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01	$ 0.01000
Common stock, shares authorized (shares)	100,000,000	100,000,000	100,000,000
Common stock, shares issued (shares)	52,475,070	51,614,746	51,494,246
Common stock, shares outstanding (shares)	52,475,070	51,614,746	51,494,246
Common Stock Class B Voting
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01	$ 0.01000
Common stock, shares authorized (shares)	3,000,000	3,000,000	3,000,000
Common stock, shares issued (shares)	2,970,171	2,970,171	2,970,171.000
Common stock, shares outstanding (shares)	2,970,171	2,970,171	2,970,171

Condensed Consolidated Statements of Operations - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Revenues:
Total revenues	$ 215,850	$ 204,508
Net revenues	130,204	122,427
Operating expenses:
Operations	89,546	83,610
Administrative	15,479	13,318
Depreciation and amortization	6,848	5,723
Loss on sale or disposal of assets and other	4,442	39
Total operating expenses	116,315	102,690
Operating income	13,889	19,737
Interest expense	8,791	5,847
Interest income	(3,339)	(4,270)
Equity in net loss (income) of unconsolidated affiliate	1,119	(1,450)
Impairment of investment in unconsolidated affiliate	13,274	0
Other income	(386)	(182)
(Loss) income from continuing operations before income taxes	(5,570)	19,792
Income tax (benefit) expense	(1,032)	7,437
(Loss) income from continuing operations, net of tax	(4,538)	12,355
Loss from discontinued operations, net of tax	(183)	(222)
Net (loss) income	(4,721)	12,133
Net loss attributable to noncontrolling interest	(477)	(615)
Net (loss) income attributable to EZCORP, Inc.	$ (4,244)	$ 12,748
Basic (loss) earnings per share attributable to EZCORP, Inc. — continuing operations (usd per share)	$ (0.07)	$ 0.24
Diluted (loss) earnings per share attributable to EZCORP, Inc. — continuing operations (usd per share)	$ (0.07)	$ 0.23
Weighted-average basic shares outstanding (shares)	55,032	54,464
Weighted-average diluted shares outstanding (shares)	55,032	55,682
Merchandise sales
Revenues:
Total revenues	$ 121,024	$ 113,588
Cost of revenues	77,112	71,167
Jewelry scrapping sales
Revenues:
Total revenues	9,281	12,213
Cost of revenues	8,050	10,337
Pawn service charges
Revenues:
Total revenues	83,674	76,360
Other revenues
Revenues:
Total revenues	1,871	2,347
Cost of revenues	$ 484	$ 577

Condensed Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Statement of Comprehensive Income [Abstract]
Net (loss) income	$ (4,721)	$ 12,133
Other comprehensive loss:
Foreign currency translation loss, net of income tax expense for our investment in unconsolidated affiliate of $87 and $176 for the three months ended December 31, 2018 and 2017, respectively	(6,488)	(6,575)
Comprehensive (loss) income	(11,209)	5,558
Comprehensive loss attributable to noncontrolling interest	(477)	(655)
Comprehensive (loss) income attributable to EZCORP, Inc.	$ (10,732)	$ 6,213

- Definition

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

+ References

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+ Details

Condensed Consolidated Statements of Comprehensive Income (Parenthetical) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Statement of Comprehensive Income [Abstract]
Foreign currency translation adjustment, tax	$ 87	$ 176

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	Noncontrolling Interest
Beginning balance (shares) at Sep. 30, 2017		54,398
Beginning Balance at Sep. 30, 2017	$ 659,926	$ 544	$ 348,532	$ 351,666	$ (38,367)	$ (2,449)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	2,889		2,889
Release of restricted stock (shares)		66
Release of restricted stock	1	$ 1
Taxes paid related to net share settlement of equity awards	(311)		(311)
Foreign currency translation loss, net	(6,575)				(6,535)	(40)
Net income (loss)	12,133			12,748		(615)
Ending balance (shares) at Dec. 31, 2017		54,464
Ending Balance at Dec. 31, 2017	668,063	$ 545	351,110	364,414	(44,902)	(3,104)
Beginning balance (shares) at Sep. 30, 2018		54,585
Beginning Balance at Sep. 30, 2018	744,706	$ 546	397,927	392,180	(42,616)	(3,331)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	2,247		2,247
Release of restricted stock (shares)		860
Release of restricted stock	8	$ 8
Taxes paid related to net share settlement of equity awards	(3,288)		(3,288)
Transfer of subsidiary shares to noncontrolling interest	0		3,195			(3,195)
Foreign currency translation loss, net	(6,488)				(6,488)
Net income (loss)	(4,721)			(4,244)		(477)
Ending balance (shares) at Dec. 31, 2018		55,445
Ending Balance at Dec. 31, 2018	$ 732,464	$ 554	$ 400,081	$ 387,936	$ (49,104)	$ (7,003)

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Operating activities:
Net (loss) income	$ (4,721)	$ 12,133
Adjustments to reconcile net (loss) income to net cash flows from operating activities:
Depreciation and amortization	6,848	5,723
Amortization of debt discount and deferred financing costs	5,585	3,682
Accretion of notes receivable discount and deferred compensation fee	(1,376)	(2,577)
Deferred income taxes	352	3,129
Impairment of investment in unconsolidated affiliate	13,274	0
Other adjustments	5,052	601
Stock compensation expense	2,238	2,919
Loss (income) from investment in unconsolidated affiliate	1,119	(1,450)
Changes in operating assets and liabilities, net of business acquisitions:
Service charges and fees receivable	(877)	(50)
Inventory	685	(1,087)
Prepaid expenses, other current assets and other assets	(1,564)	(500)
Accounts payable, accrued expenses and other liabilities	(461)	(5,283)
Customer layaway deposits	18	(283)
Income taxes, net of excess tax benefit from stock compensation	(3,412)	2,295
Net cash provided by operating activities	22,760	19,252
Investing activities:
Loans made	(186,588)	(169,666)
Loans repaid	106,643	103,041
Recovery of pawn loan principal through sale of forfeited collateral	70,594	67,144
Additions to property and equipment, net	(5,880)	(9,537)
Acquisitions, net of cash acquired	(332)	(62,163)
Principal collections on notes receivable	7,284	2,849
Net cash used in investing activities	(8,279)	(68,332)
Financing activities:
Taxes paid related to net share settlement of equity awards	(3,288)	(311)
Proceeds from borrowings, net of issuance costs	743	0
Payments on borrowings	(67)	0
Net cash used in financing activities	(2,612)	(311)
Effect of exchange rate changes on cash and cash equivalents and restricted cash	(865)	(1,165)
Net increase (decrease) in cash, cash equivalents and restricted cash	11,004	(50,556)
Cash, cash equivalents and restricted cash at beginning of period	286,282	164,393
Cash, cash equivalents and restricted cash at end of period	297,286	113,837
Non-cash investing and financing activities:
Pawn loans forfeited and transferred to inventory	80,301	72,649
Deferred and contingent consideration	$ 0	$ 1,920

Organization and Summary of Significant Accounting Policies

3 Months Ended

Dec. 31, 2018

Accounting Policies [Abstract]

ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

NOTE 1: ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Description of Business

When used in this report, the terms “we,” “us,” “our,” “EZCORP” and the “Company” mean EZCORP, Inc. and its consolidated subsidiaries, collectively.

We are a leading provider of pawn loans in the United States and Latin America. Pawn loans are non-recourse loans collateralized by tangible property. We also sell merchandise, primarily collateral forfeited from pawn lending operations and used merchandise purchased from customers, and operate a small number of financial services stores in Canada.

Basis of Presentation

The accompanying unaudited interim condensed consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (“GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all the information and footnotes required by generally accepted accounting principles for complete financial statements. Our management has included all adjustments it considers necessary for a fair presentation which are of a normal, recurring nature. All intercompany accounts and transactions have been eliminated in consolidation.

The accompanying financial statements should be read in conjunction with the consolidated financial statements and notes included in our Annual Report on Form 10-K for the year ended September 30, 2018. The balance sheet as of September 30, 2018 has been derived from the audited financial statements at that date but does not include all of the information and footnotes required by GAAP for complete financial statements.

Our business is subject to seasonal variations, and operating results for the three months ended December 31, 2018 and 2017 (the "current quarter" or "current three months" and "prior-year quarter," respectively) are not necessarily indicative of the results of operations for the full fiscal year.

There have been no changes in significant accounting policies as described in our Annual Report on Form 10-K for the year ended September 30, 2018, other than those described below.

Use of Estimates and Assumptions

The preparation of these financial statements requires us to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenues and expenses and related disclosure of contingent assets and liabilities. On an ongoing basis, we evaluate our estimates and judgments, including those related to revenue recognition, inventories, loan loss allowances, long-lived and intangible assets, share-based compensation, income taxes, contingencies and litigation. We base our estimates on historical experience, observable trends and various other assumptions that we believe are reasonable under the circumstances. We use this information to make judgments about the carrying values of assets and liabilities that are not readily apparent from other sources. Actual results may differ materially from these estimates under different assumptions or conditions.

Reclassifications to Prior Period Financial Statements

We have reclassified certain capitalized labor expenditures in the previous period on our condensed consolidated statements of cash flows from "Prepaid expenses, other current assets and other assets" in operating cash flows to "Additions to property and equipment, net" in investing cash flows.

Recently Adopted Accounting Policies

•

In August 2018, the Financial Accounting Standards Board ("FASB") issued Accounting Standards Update ("ASU") 2018-15, Intangibles — Goodwill and Other — Internal-Use Software (Subtopic 350-40): Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That is a Service Contract, which requires a customer in a cloud computing arrangement that is a service contract to follow the internal-use software guidance in Accounting Standards Codification ("ASC") 350-40 to determine which implementation costs to defer and recognize as an asset. This ASU generally aligns the guidance on recognizing implementation costs incurred in a cloud computing arrangement that is a service contract with that for implementation costs incurred to develop or obtain internal-use software, including hosting arrangements that include an internal-use software license. Our hosting

arrangements that are service contracts include various third-party software applications. We adopted this ASU during the first quarter of our fiscal 2019 on a prospective basis for all service contracts entered into after adoption, with no material impact during the current quarter.

•

In November 2016, the FASB issued ASU 2016-18 Statement of Cash Flows (Topic 230): Restricted Cash. This ASU requires the inclusion of restricted cash with cash and cash equivalents when reconciling the beginning-of-period and end-of-period total amounts shown on the statement of cash flows. We adopted this ASU during the first quarter of our fiscal 2019 with no impact on our financial position or results of operations. However, we have recast our statements of cash flows on a retrospective basis to include restricted cash when reconciling the beginning-of-period and end-of-period total amounts. Restricted cash of $0.3 million was recorded under "Prepaid expenses and other current assets" in our condensed consolidated balance sheets as of December 31, 2018 and 2017.


•	In August 2016, the FASB issued ASU 2016-15 Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments. This ASU provides guidance on eight specific cash flow issues. We adopted this ASU during the first quarter of our fiscal 2019 on a prospective basis with no impact on our financial position, results of operations or cash flows.

•

In May 2016, the FASB issued ASU 2016-01, Financial Instruments (Subtopic 825-10). The amendments in this ASU make targeted improvements to U.S. GAAP primarily as it pertains to equity investments (not including equity method of accounting), fair value disclosures, balance sheet presentation, and other items pertaining to financial instruments. We adopted this ASU during the first quarter of our fiscal 2019 on a prospective basis, as applicable, with no impact on our financial position, results of operations or cash flows.

•

In May 2014, the FASB issued ASU 2014-09, Revenue from Contracts with Customers (Topic 606). In August 2015, the FASB issued ASU 2015-14, Revenue from Contracts with Customers (Topic 606) to defer the effective date to December 15, 2017 for annual reporting periods beginning after that date, with early adoption permitted, but not before the original effective date of December 15, 2016. The core principle of this ASU, and the subsequently issued ASUs modifying or clarifying this ASU, is that an entity should recognize revenue to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. To achieve this core principle, the guidance provides that an entity should apply the following steps: (1) identify the contract(s) with a customer; (2) identify the performance obligations in the contract; (3) determine the transaction price; (4) allocate the transaction price to the performance obligations in the contract; and (5) recognize revenue when, or as, the entity satisfies a performance obligation. The new standard allows for two methods of adoption: (a) full retrospective adoption, meaning the standard is applied to all periods presented, or (b) modified retrospective adoption, meaning the cumulative effect of applying the new standard is recognized as an adjustment to the opening retained earnings balance.

We adopted this ASU and related guidance as of October 1, 2018 using the modified retrospective method. We evaluated the impact of ASC 606 on our consolidated financial position, results of operations, cash flows and disclosure requirements noting no material impact to our consolidated financial statements or disclosures. See Note 9 for disaggregated information about our sources of revenue. Additionally, we have concluded that ASC 606 does not impact our revenue recognition for pawn service charges or consumer loan fees as we believe neither of those revenue streams are within the scope of ASC 606.

Pawn Service Charges Revenue

We record pawn service charges using the effective interest method for all pawn loans we believe to be collectible. We base our estimate of collectible loans on several inputs, including recent redemption rates, historical trends in redemption rates and the amount of loans due in the following months. Unexpected variations in any of these factors could change our estimate of collectible loans, affecting our earnings and financial condition. If a pawn loan is not repaid, we value the forfeited collateral (inventory) at the lower of cost (pawn loan principal) or net realizable value of the item.

Merchandise and Related Sales Revenue

This revenue stream involves the sale of merchandise to retail customers in our pawn stores. The performance obligation is the delivery of the merchandise to the customer, and revenue, and the related cost of merchandise sold, is recognized at the time of sale. Customers have a very limited period of time to return merchandise for a refund or exchange, and actual returns for refunds are insignificant. Sales tax collected on the sale of merchandise is excluded from the amount recognized as sales and instead recorded as a liability in “Accounts payable, accrued expenses and

other current liabilities” in our condensed consolidated balance sheets until remitted to the appropriate governmental authorities.

Jewelry Scrapping Sales Revenue

This revenue stream involves the sales of scrap (precious metals and stones) to refiners. The performance obligation is the legal transfer of scrap to the refiner. Revenue, and the related cost of scrap sold, is recognized when scrap inventory is provided to the refiner, which is when the customer obtains control of the promised good. The receivables outstanding at the end of a given reporting period are not material. Payment of the receivable from the customer is generally received within a short period of time after the legal transfer of the scrap materials to the refiner.

Other Revenue

Layaway fees, product protection plan revenues, and jewelry VIP package revenues are not significant.

Recently Issued Accounting Pronouncements

•

In June 2016, the FASB issued ASU 2016-13, Financial Instruments — Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. This ASU requires financial assets (or groups of financial assets) measured at amortized cost basis to be presented at the net amount expected to be collected, among other provisions. The provisions of this ASU are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2019. Early adoption is permitted for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. A reporting entity should generally apply the amendment on a modified retrospective basis through a cumulative-effect adjustment to retained earnings as of the beginning of the first reporting periods in which the amendment is effective. We have not identified any impacts to our financial statements that we believe will be material as a result of the adoption of the ASU, although we continue to evaluate the impact of adoption. We believe we are following an appropriate timeline to allow for proper recognition, presentation and disclosure upon adoption of this ASU which is effective for our fiscal 2021.

•

In February 2016, the FASB issued ASU 2016-02, Leases (Topic 842). This ASU requires companies to generally recognize on the balance sheet operating and financing lease liabilities and corresponding right-of-use assets. The provisions of this ASU are effective for fiscal years beginning after December 15, 2018, and interim periods within those fiscal years. Early adoption is permitted based upon guidance issued within the ASU. We are in the process of evaluating the impact of adopting ASU 2016-02 on our consolidated financial position, results of operations and cash flows, and anticipate a material impact on our consolidated financial position. Additionally, we are evaluating the disclosure requirements under this ASU and are identifying and preparing to implement changes to our accounting policies, practices and controls to support adoption of the ASU and have completed upgrades to our third-party software solution to support adoption. We will complete our implementation to allow for proper recognition, presentation and disclosure upon adoption of the ASU which is effective for our fiscal 2020. We currently plan to adopt this ASU using the optional transition method provided under ASU 2018-11, Leases, (Topic 842): Targeted Improvement which was issued in July 2018, allowing for application of ASU 2016-02 at the adoption date, with recognition of a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption.

Please refer to Note 1 of Notes to Consolidated Financial Statements included in "Part II, Item 8 — Financial Statements and Supplementary Data" of our Annual Report on Form 10-K for the year ended September 30, 2018 for discussion of our significant accounting policies and other accounting pronouncements issued but not yet adopted.

Acquisitions	3 Months Ended
Acquisitions	Dec. 31, 2018
Business Combinations [Abstract]
ACQUISITIONS	NOTE 2: ACQUISITIONS Fiscal 2019 Acquisitions In December 2018, we acquired assets related to five pawn stores in Mexico, for an aggregate purchase price of $0.3 million in cash, of which $0.1 million was recorded as goodwill. We have concluded that this acquisition was immaterial to our overall consolidated financial results and, therefore, have omitted certain information that would otherwise be required. Fiscal 2018 Acquisition of Camira Administration Corp. and Subsidiaries (“GPMX”) On October 6, 2017, we completed the acquisition of 100% of the outstanding stock of Camira Administration Corp. and subsidiaries (“GPMX”), a business that, at the time, owned and operated 112 stores located in Guatemala, El Salvador, Honduras and Peru for a total purchase price of $61.7 million. The GPMX acquisition significantly expanded our store base into Latin American countries outside of Mexico and provides us with a platform for further growth in the region. The accompanying condensed consolidated results of operations for the three months ended December 31, 2018 include the results of operations for GPMX, while the comparable prior-year quarter includes the results of GPMX for the period October 6, 2017 to December 31, 2017, affecting comparability of fiscal 2019 and 2018 amounts. We have performed a valuation analysis of identifiable assets acquired and liabilities assumed and allocated the total consideration based on the fair values of those identifiable assets and liabilities. All Other Fiscal 2018 Acquisitions On June 25, 2018, June 11, 2018 and December 4, 2017, we acquired pawn stores operating in Mexico under the names “Montepio San Patricio,” "Presta Dinero" and "Bazareño," respectively. These acquisitions significantly strengthened our competitive position in existing regions, gave us a presence in new regions and allowed us to achieve synergies in management and administration. The accompanying condensed consolidated results of operations for the three months ended December 31, 2018 include the results of operations for these acquisitions, while the comparable prior-year quarter only includes the results of Bazareño for the period December 4, 2017 to December 31, 2017, affecting comparability of fiscal 2019 and 2018 amounts. We have performed a valuation analysis of identifiable assets acquired and liabilities assumed and allocated the total consideration based on the fair values of those identifiable assets and liabilities for these acquisitions. During the current quarter, we finalized accounting for the Montepio San Patricio and Presta Dinero acquisitions, which were completed in fiscal 2018, and increased associated deferred tax assets by $1.8 million with an offsetting reduction in goodwill.

Earnings per Share

3 Months Ended

Dec. 31, 2018

Earnings Per Share [Abstract]

EARNINGS PER SHARE

NOTE 3: EARNINGS PER SHARE

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



	Three Months Ended December 31,
	2018			2017

	(in thousands, except per share amounts)
Net (loss) income from continuing operations attributable to EZCORP (A)	$	(4,061	)	$	12,970
Loss from discontinued operations, net of tax (B)	(183		)	(222		)
Net (loss) income attributable to EZCORP (C)	$	(4,244	)	$	12,748

Weighted-average outstanding shares of common stock (D)	55,032			54,464
Dilutive effect of restricted stock*	—			1,218
Weighted-average common stock and common stock equivalents (E)	55,032			55,682

Basic (loss) earnings per share attributable to EZCORP:
Continuing operations (A / D)	$	(0.07	)	$	0.24
Discontinued operations (B / D)	—			—
Basic (loss) earnings per share (C / D)	$	(0.07	)	$	0.24

Diluted (loss) earnings per share attributable to EZCORP:
Continuing operations (A / E)	$	(0.07	)	$	0.23
Discontinued operations (B / E)	—			—
Diluted (loss) earnings per share (C / E)	$	(0.07	)	$	0.23

Potential common shares excluded from the calculation of diluted (loss) earnings per share above*:
Restricted stock**	2,626			2,991


*	See Note 6 for discussion of the terms and conditions of the potential impact of the 2019 Convertible Note Warrants, 2024 Convertible Notes and 2025 Convertible Notes.

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

Strategic Investments

3 Months Ended

Dec. 31, 2018

Equity Method Investments and Joint Ventures [Abstract]

STRATEGIC INVESTMENTS

NOTE 4: STRATEGIC INVESTMENTS

As of December 31, 2018, we owned 214,183,714 shares, or approximately 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 after translation to U.S. dollars:



	June 30,
	2018		2017

	(in thousands)
Current assets	$	229,105	$	155,749
Non-current assets	148,195		150,843
Total assets	$	377,300	$	306,592

Current liabilities	$	122,924	$	57,387
Non-current liabilities	15,449		48,698
Shareholders’ equity	238,927		200,507
Total liabilities and shareholders’ equity	$	377,300	$	306,592



	Fiscal Year Ended June 30,
	2018		2017

	(in thousands)
Gross revenues	$	201,800	$	204,509
Gross profit	128,366		130,943
Net profit	17,443		15,546

During the first quarter of fiscal 2019, the fair value of our investment in Cash Converters International, as estimated by reference to its quoted market price per share, declined from its value at September 30, 2018 and ended the quarter below its carrying value. As of December 31, 2018, we determined that our investment was impaired and that such impairment was other-than-temporary. In reaching this conclusion, we considered all available evidence, including evidence in existence as of September 30, 2018 as discussed in Note 4 of Notes to Consolidated Financial Statements included in "Part II, Item 8 — Financial Statements and Supplementary Data" of our Annual Report on Form 10-K for the year ended September 30, 2018. Additionally, we noted the following developments subsequent to September 30, 2018: (i) continued decline in Cash Converters International's share price; and (ii) ongoing uncertainty around remaining Queensland class action lawsuit. As a result, we recognized an other-than-temporary impairment in Cash Converters International of $13.3 million ($10.3 million, net of taxes).

The above impairment increased the difference between the amount at which our investment was carried and the amount of underlying equity in net assets of Cash Converters International and was recorded under “Impairment of investment in unconsolidated affiliate” in our condensed consolidated statements of operations in the “Other International” segment. We will continue to monitor the fair value of our investment in Cash Converters International for other-than-temporary impairments in future reporting periods and may record additional impairment charges should the fair value of our investment in Cash Converters International further decline below its carrying value for an extended period of time. See Note 5 for the fair value and carrying value of our investment in Cash Converters International.

Fair Value Measurements

3 Months Ended

Dec. 31, 2018

Fair Value Disclosures [Abstract]

FAIR VALUE MEASUREMENTS

NOTE 5: FAIR VALUE MEASUREMENTS

Our assets and liabilities discussed below are classified in one of the following three categories based on the inputs used to develop their fair values: 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; and Level 3 — Unobservable inputs that are not corroborated by market data.

Recurring Fair Value Measurements

The tables below present our financial assets (liabilities) that were carried and measured at fair value on a recurring basis:



Financial Assets (Liabilities)	Balance Sheet Location	December 31, 2018			December 31, 2017			September 30, 2018

		(in thousands)
2019 Convertible Notes Hedges — Level 2	Prepaid expenses and other current assets	$	21		$	—		$	2,552
2019 Convertible Notes Hedges — Level 2	Other assets	—			12,863			—
2019 Convertible Notes Embedded Derivative — Level 2	Current maturities of long-term-debt, net	(21		)	—			(2,552		)
2019 Convertible Notes Embedded Derivative — Level 2	Long-term debt, net	—			(12,863		)	—

We measured the fair value of the cash-settled call options pertaining to the 2.125% Cash Convertible Senior Notes Due 2019 (the “2019 Convertible Notes Hedges”) and the 2019 Convertible Notes derivative instrument (the “2019 Convertible Notes Embedded Derivative”) using the Black-Scholes-Merton model based on observable Level 1 and Level 2 inputs such as conversion price of underlying shares, current share price, implied volatility, risk free interest rate and other factors. The volatility input used as of December 31, 2018 was 36% based on historically observed market inputs.

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

Financial Assets and Liabilities Not Measured at Fair Value

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



	Carrying Value		Estimated Fair Value
	December 31, 2018		December 31, 2018		Fair Value Measurement Using
	December 31, 2018		December 31, 2018		Level 1		Level 2		Level 3

	(in thousands)
Financial assets:
Notes receivable, net	$	31,310	$	33,710	$	—	$	—	$	33,710
Investment in unconsolidated affiliate	35,511		35,511		35,511		—		—

Financial liabilities:
2019 Convertible Notes	$	190,076	$	190,613	$	—	$	190,613	$	—
2024 Convertible Notes	107,182		145,202		—		145,202		—
2025 Convertible Notes	121,316		134,447		—		134,447		—
8.5% unsecured notes due 2024	1,237		1,237		—		—		1,237
CASHMAX secured borrowing facility	334		1,160		—		—		1,160



	Carrying Value		Estimated Fair Value
	December 31, 2017		December 31, 2017		Fair Value Measurement Using
	December 31, 2017		December 31, 2017		Level 1		Level 2		Level 3

	(in thousands)
Financial assets:
Notes receivable, net	$	60,025	$	68,720	$	—	$	—	$	68,720
Investment in unconsolidated affiliate	45,605		42,777		42,777		—		—

Financial liabilities:
2019 Convertible Notes	$	179,835	$	201,084	$	—	$	201,084	$	—
2024 Convertible Notes	102,063		201,250		—		201,250		—



	Carrying Value		Estimated Fair Value
	September 30, 2018		September 30, 2018		Fair Value Measurement Using
	September 30, 2018		September 30, 2018		Level 1		Level 2		Level 3

	(in thousands)
Financial assets:
Notes receivable, net	$	37,425	$	41,153	$	—	$	—	$	41,153
Investment in unconsolidated affiliate	49,500		49,500		49,500		—		—

Financial liabilities:
2019 Convertible Notes	$	187,433	$	189,150	$	—	$	189,150	$	—
2024 Convertible Notes	105,858		180,399		—		180,399		—
2025 Convertible Notes	119,736		161,253		—		161,253		—
8.5% unsecured notes due 2024	1,304		1,304		—		—		1,304

Based primarily on the short-term nature of cash and cash equivalents, pawn loans, pawn service charges receivable, current consumer loans, fees and interest receivable and other debt, we estimate that their carrying value approximates fair value. We consider our cash and cash equivalents to be measured using Level 1 inputs and our pawn loans, pawn service charges receivable, consumer loans, fees and interest 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.

Subsequent to the sale of Prestaciones Finmart, S.A.P.I. de C.V., SOFOM, E.N.R. ("Grupo Finmart") to Alpha Holding, S.A. de C.V. (“AlphaCredit”) in September 2016, we determined that we retained a variable interest in Grupo Finmart including notes receivable. We determined that we are not the primary beneficiary of Grupo Finmart subsequent to its disposition as we lack a controlling financial interest in Grupo Finmart. We measured the fair value of the notes receivable as of December 31, 2018 under a discounted cash flow approach considering the estimated credit ratings for Grupo Finmart and AlphaCredit and as determined with external consultation, with discount rates ranging primarily from 7% to 8%. Certain of the significant inputs used for the valuation were not observable in the market. Included in the fair value of the notes receivable is the estimated fair value of the deferred compensation fee negotiated in September 2017, of which the ultimate amount to be received is dependent upon the timing of payment of the notes receivable. Significant increases or decreases in the underlying assumptions used to value the notes receivable could significantly increase or decrease these fair value estimates.

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

We measured the fair value of the 2019 Convertible Notes, 2024 Convertible Notes and 2025 Convertible Notes using quoted price inputs. The 2019 Convertible Notes, 2024 Convertible Notes and 2025 Convertible Notes are not actively traded, and thus the price inputs represent a Level 2 measurement. As the quoted price inputs are highly variable from day to day, the fair value estimates disclosed above could significantly increase or decrease.

- Definition

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

+ References + Details

Long-term Debt

3 Months Ended

Dec. 31, 2018

Debt Disclosure [Abstract]

LONG-TERM DEBT

NOTE 6: DEBT

The following tables present our long-term debt instruments outstanding as well as future principal payments due:



	December 31, 2018							December 31, 2017							September 30, 2018
	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

	(in thousands)
2019 Convertible Notes	$	195,000	$	(4,924	)	$	190,076	$	195,000	$	(15,165	)	$	179,835	$	195,000	$	(7,567	)	$	187,433
2019 Convertible Notes Embedded Derivative	21		—			21		12,863		—			12,863		2,552		—			2,552
2024 Convertible Notes	143,750		(36,568		)	107,182		143,750		(41,687		)	102,063		143,750		(37,892		)	105,858
2025 Convertible Notes	172,500		(51,184		)	121,316		—		—			—		172,500		(52,764		)	119,736
8.5% unsecured notes due 2024*	1,237		—			1,237		—		—			—		1,304		—			1,304
CASHMAX secured borrowing facility**	1,160		(826		)	334		—		—			—		—		—			—
Total	$	513,668	$	(93,502	)	$	420,166	$	351,613	$	(56,852	)	$	294,761	$	515,106	$	(98,223	)	$	416,883
Less current portion	195,162		(4,924		)	190,238		—		—			—		197,748		(7,567		)	190,181
Total long-term debt	$	318,506	$	(88,578	)	$	229,928	$	351,613	$	(56,852	)	$	294,761	$	317,358	$	(90,656	)	$	226,702


*	Amount translated from Guatemalan quetzals as of December 31, 2018. Certain disclosures omitted due to materiality considerations.


**	See description below.



	Principal Payment Schedule
	Total		Less Than 1 Year		1 - 3 Years		3 - 5 Years		More Than 5 Years

	(in thousands)
2019 Convertible Notes*	$	195,000	$	195,000	$	—	$	—	$	—
2024 Convertible Notes*	143,750		—		—		—		143,750
2025 Convertible Notes*	172,500		—		—		—		172,500
8.5% unsecured notes due 2024	1,237		141		424		424		248
CASHMAX secured borrowing facility	1,160		—		1,160		—		—
	$	513,647	$	195,141	$	1,584	$	424	$	316,498


*	Excludes the potential impact of embedded derivatives.



	Three Months Ended December 31,
	2018		2017

	(in millions)
2019 Convertible Notes:
Contractual interest expense	$	1.1	$	1.1
Amortization of debt discount and deferred financing costs	2.6		2.5
Total interest expense	$	3.7	$	3.6

2024 Convertible Notes:
Contractual interest expense	$	1.0	$	1.0
Amortization of debt discount and deferred financing costs	1.4		1.3
Total interest expense	$	2.4	$	2.3

2025 Convertible Notes:
Contractual interest expense	$	1.0	$	—
Amortization of debt discount and deferred financing costs	1.6		—
Total interest expense	$	2.6	$	—

2.375% Convertible Senior Notes Due 2025

In May 2018, we issued $172.5 million aggregate principal amount of 2.375% Convertible Senior Notes Due 2025 (the “2025 Convertible Notes”). The 2025 Convertible Notes were issued pursuant to an indenture dated May 14, 2018 (the "2018 Indenture") by and between us and Wells Fargo Bank, National Association, as the trustee. 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 their 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 under “Additional paid-in capital” in our condensed consolidated balance sheets of December 31, 2018 was $39.0 million. The effective interest rate for the three months ended December 31, 2018 was approximately 9%. As of December 31, 2018, 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 Non-Voting Common Stock ("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 our Class A Common Stock). We account for the Class A Common Stock issuable upon conversion under the treasury stock method. To the extent our average share price is over $15.90 per share for any fiscal quarter, we are required to recognize incremental dilution of our earnings per share.

If, among other triggers described in the 2018 Indenture, the market price of our 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 December 31, 2018. As of December 31, 2018, the if-converted value of the 2025 Convertible Notes did not exceed the principal amount.

2.875% Convertible Senior Notes Due 2024

In July 2017, we issued $143.75 million aggregate principal amount of 2.875% Convertible Senior Notes Due 2024 (the “2024 Convertible Notes”). All of the 2024 Convertible Notes were issued pursuant to an indenture dated July 5, 2017 (the "2017 Indenture") by and between us and Wells Fargo Bank, National Association, as the trustee. 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 their terms prior to such date. The carrying amount of the 2024 Convertible Notes as a separate equity-classified instrument (the “2024 Convertible Notes Embedded Derivative”) included under “Additional paid-in capital” in our condensed consolidated balance sheets of December 31, 2018 was $25.3 million. The effective interest rate for the three months ended December 31, 2018 was approximately 9%. As of December 31, 2018, 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 our Class A Common Stock). We account for the Class A Common Stock issuable upon conversion under the treasury stock method. To the extent our 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 our Class A Common Stock meets the threshold based on at least 20 of the final 30 trading days of a 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 December 31, 2018, and therefore, the 2024 Convertible notes are not classified as current as of December 31, 2018. As of December 31, 2018, the if-converted value of the 2024 Convertible Notes did not exceed the principal amount.

2.125% Cash Convertible Senior Notes Due 2019

In June 2014, we issued $200 million aggregate principal amount of 2.125% Cash Convertible Senior Notes Due 2019 (the "2019 Convertible Notes"), with an additional $30 million principal amount of 2019 Convertible Notes issued in July 2014. In July 2017, we used $34.4 million of net proceeds from the 2024 Convertible Notes offering to repurchase and retire $35.0 million aggregate principal amount of 2019 Convertible Notes. All of the 2019 Convertible Notes were issued pursuant to an indenture dated June 23, 2014 (the "2014 Indenture") by and between us and Wells Fargo Bank, National Association, as the trustee. The 2019 Convertible Notes were issued in a private offering and resold under Rule 144A under the Securities Act of 1933. The 2019 Convertible Notes pay interest semi-annually in arrears at a rate of 2.125% per annum on June 15 and December 15 of each year and mature on June 15, 2019 (the "2019 Maturity Date"), unless converted, redeemed or repurchased in accordance with their terms prior to such date. The effective interest rate for the three months ended December 31, 2018 was approximately 8%. As of December 31, 2018, the remaining unamortized debt discount and issuance costs will be amortized through the 2019 Maturity Date assuming no early conversion.

The 2019 Convertible Notes are convertible into cash, subject to satisfaction of certain conditions and during the periods described in the 2014 Indenture, based on an initial conversion rate of 62.2471 shares of Class A Common Stock per $1,000 principal amount of 2019 Convertible Notes (equivalent to an initial conversion price of approximately $16.065 per share of our Class A Common Stock). As of December 31, 2018, the if-converted value of the 2019 Convertible Notes did not exceed the principal amount.

2019 Convertible Notes Hedges

In connection with the issuance of the 2019 Convertible Notes, we purchased cash-settled call options (the “2019 Convertible Notes Hedges”) in privately negotiated transactions with certain of the initial purchasers or their affiliates (in this capacity, the “Option Counterparties”). The 2019 Convertible Notes Hedges provide us with the option to acquire, on a net settlement basis, approximately 12.1 million shares of our Class A Common Stock at a strike price of $16.065, which is equal to the number of shares of our Class A Common Stock that notionally underlie the 2019 Convertible Notes and corresponds to the conversion price of the 2019 Convertible Notes. If we exercise the 2019 Convertible Notes Hedges, the aggregate amount of cash we will receive from the Option Counterparties will cover the aggregate amount of cash that we would be required to pay to the holders of the converted 2019 Convertible Notes, less the principal amount thereof.

2019 Convertible Notes Warrants

In connection with the issuance of the 2019 Convertible Notes, we also sold net-share-settled warrants (the “2019 Convertible Notes Warrants”) in privately negotiated transactions with the Option Counterparties. The 2019 Convertible Notes Warrants allow for the purchase of up to approximately 12.1 million shares of our Class A Common Stock at a strike price of $20.83 per share. We account for the Class A Common Stock issuable upon exercise under the treasury stock method. As a result of the 2019 Convertible Notes Warrants and related transactions, we are required to recognize incremental dilution of our earnings per share to the extent our average share price is over $20.83 for any fiscal quarter. The 2019 Convertible Notes Warrants expire on various dates from September 2019 through February 2020 and must be settled in net shares of our Class A Common Stock.

CASHMAX Secured Borrowing Facility

In November 2018 we entered into a receivables securitization facility with a third-party lender (the "lender") to provide funding for installment loan originations in our Canadian CASHMAX business. Under the facility, an unconsolidated variable interest entity (the "trust") has the right, subject to various conditions, to borrow up to CAD $25 million from the lender (the "third-party loan") and use the proceeds to purchase interests in installment loan receivables generated by CASHMAX. The trust uses collections on the transferred receivables to pay various amounts in accordance with an agreed priority arrangement, including expenses, its obligations under the third-party loan and, to the extent available, amounts owned to CASHMAX with respect to the purchase price of the transferred receivables and CASHMAX's retained interest in the receivables. CASHMAX has no obligation with respect to the third-party loan or the transferred receivables except to (a) service the underlying installment loans on behalf of the trust and (b) pay amounts owning under or repurchase the underlying installment loans in the event of a breach by CASHMAX or in certain other limited circumstances. The facility is generally nonrecourse to EZCORP. The amount outstanding under the facility as of December 31, 2018 was $1.2 million.

Stock Compensation	3 Months Ended
Stock Compensation	Dec. 31, 2018
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
STOCK COMPENSATION	NOTE 7: STOCK COMPENSATION On May 1, 2010 our Board of Directors approved the adoption of the EZCORP, Inc. 2010 Long-Term Incentive Plan (the “2010 Plan”). As of September 30, 2018, the 2010 Plan permitted grants of options, restricted stock awards and stock appreciation rights covering up to 5,085,649 shares of our Class A Common Stock. In November 2018, the Board of Directors and the voting stockholder approved the addition of 400,000 shares to the 2010 Plan. In November 2018, we granted 1,008,998 restricted stock unit awards to employees and 59,812 restricted stock awards to non-employee directors with a grant date fair value of primarily $9.18 per share. The number of long-term incentive award shares and units granted are generally determined based on our share price as of October 1 each year, which was $10.51 for these fiscal 2019 awards. The awards granted to employees vest on September 30, 2021, subject to the achievement of certain adjusted net income and adjusted diluted earnings per share performance targets. As of December 31, 2018, we considered the achievement of these performance targets probable. The awards granted to non-employee directors vest on September 30, 2019 and are subject only to service conditions.

Contingencies	3 Months Ended
Contingencies	Dec. 31, 2018
Commitments and Contingencies Disclosure [Abstract]
CONTINGENCIES	NOTE 8: CONTINGENCIES We are involved in various claims, suits, investigations and legal proceedings, including those described below. We are unable to determine the ultimate outcome of any current litigation or regulatory actions. An unfavorable outcome could have a material adverse effect on our financial condition, results of operations or liquidity. We have not recorded a liability for any of these matters as of December 31, 2018 because we do not believe at this time that any loss is probable or that the amount of any probable loss can be reasonably estimated. The following is a description of significant proceedings. Federal Securities Litigation — On July 20, 2015, Wu Winfred Huang, a purported holder of Class A Common Stock, for himself and on behalf of other similarly situated holders of Class A Common Stock, filed a lawsuit in the United States District Court for the Western District of Texas styled Huang v. EZCORP, Inc., et al. (Case No. 1:15-cv-00608-SS). The complaint names as defendants EZCORP, Inc., Stuart I. Grimshaw (our chief executive officer) and Mark E. Kuchenrither (our former chief financial officer) and asserts violations of Sections 10(b) and 20(a) of the Securities Exchange Act of 1934 and Rule 10b-5 promulgated thereunder. The original complaint related to the Company’s announcement on July 17, 2015 that it will restate the financial statements for fiscal 2014 and the first quarter of fiscal 2015, and alleged generally that the Company issued materially false or misleading statements concerning the Company, its finances, business operations and prospects and that the Company misrepresented the financial performance of the Grupo Finmart business. On August 14, 2015, a substantially identical lawsuit, styled Rooney v. EZCORP, Inc., et al. (Case No. 1:15-cv-00700-SS) was also filed in the United States District Court for the Western District of Texas. On September 28, 2015, the plaintiffs in these two lawsuits filed an agreed stipulation to be appointed co-lead plaintiffs and agreed that their two actions should be consolidated. On November 3, 2015, the Court entered an order consolidating the two actions under the caption In re EZCORP, Inc. Securities Litigation (Master File No. 1:15-cv-00608-SS), and appointed the two plaintiffs as co-lead plaintiffs, with their respective counsel appointed as co-lead counsel. On January 11, 2016, the plaintiffs filed an Amended Class Action Complaint (the "Amended Complaint"). In the Amended Complaint, the plaintiffs seek to represent a class of purchasers of our Class A Common Stock between November 6, 2012 and October 20, 2015. The Amended Complaint asserts that the Company and Mr. Kuchenrither violated Section 10(b) of the Securities Exchange Act and Rule 10b-5, issued materially false or misleading statements throughout the proposed class period concerning the Company and its internal controls, specifically regarding the financial performance of Grupo Finmart. The plaintiffs also allege that Mr. Kuchenrither, as a controlling person of the Company, violated Section 20(a) of the Securities Exchange Act. The Amended Complaint does not assert any claims against Mr. Grimshaw. On February 25, 2016, defendants filed a motion to dismiss the lawsuit. The plaintiff filed an opposition to the motion to dismiss on April 11, 2016, and the defendants filed their reply on May 11, 2016. The Court held a hearing on the motion to dismiss on June 22, 2016. On October 18, 2016, the Court granted the defendants’ motion to dismiss and dismissed the Amended Complaint without prejudice. The Court gave the plaintiffs 20 days (until November 7, 2016) to file a further amended complaint. On November 4, 2016, the plaintiffs filed a Second Amended Consolidated Class Action Complaint (“Second Amended Complaint”). The Second Amended Complaint raises the same claims dismissed by the Court on October 18, 2016, except plaintiffs now seek to represent a class of purchasers of EZCORP’s Class A Common Stock between November 7, 2013 and October 20, 2015 (instead of between November 6, 2012 and October 20, 2015). On December 5, 2016, defendants filed a motion to dismiss the Second Amended Compliant. The plaintiffs filed their opposition to the motion to dismiss on January 6, 2017, and the defendants filed their reply brief on January 20, 2017. On May 8, 2017, the Court granted the defendants’ motion to dismiss with regard to claims related to accounting errors relating to Grupo Finmart’s bad debt reserve calculations for “nonperforming” loans, but denied the motion to dismiss with regard to claims relating to accounting errors related to certain sales of loan portfolios to third parties. Following discovery on the surviving claims, the plaintiff filed a Motion for Leave to File a Third Amended Complaint, seeking to revive the "nonperforming" loan claims that the Court previously dismissed. We opposed that motion, and on May 14, 2018, the Court heard oral arguments on the motion, as well as plaintiff's Motion for Class Certification and Appointment of Class Representative and Class Counsel, which was also pending. On July 26, 2018, the Court granted the plaintiff's motion for leave to amend, thus accepting the Third Amended Consolidated Class Action Complaint, and we filed our answer on August 3, 2018. On August 31, 2018, the plaintiff filed an Amended Motion for Class Certification and Appointment of Class Representative and Class Counsel, and we filed our opposition on September 28, 2018. The Court held a hearing on that motion on November 15, 2018, and the motion is pending decision of the Court. We cannot predict the outcome of the litigation, but we intend to continue to defend vigorously against all allegations and claims. SEC Investigation — On October 23, 2014, we received a notice from the Fort Worth Regional Office of the SEC that it was conducting an investigation into certain matters involving EZCORP, Inc. The notice was accompanied by a subpoena, directing us to produce a variety of documents, including all minutes and materials related to Board of Directors and Board committee meetings since January 1, 2009 and all documents and communications relating to our historical advisory services relationship with Madison Park (the business advisory firm owned by Mr. Cohen) and LPG Limited (a business advisory firm owned by Lachlan P. Given, our current Executive Chairman of the Board). The SEC has also issued subpoenas to current and former members of our Board of Directors requesting production of similar documents, as well as to certain third parties, and has conducted interviews with certain individuals. We continue to cooperate fully with the SEC in its investigation.

Segment Information

3 Months Ended

Dec. 31, 2018

Segment Reporting [Abstract]

SEGMENT INFORMATION

NOTE 9: SEGMENT INFORMATION

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



	Three Months Ended December 31, 2018
	U.S. Pawn		Latin America Pawn			Other International			Total Segments			Corporate Items			Consolidated

	(in thousands)
Revenues:
Merchandise sales	$	95,103	$	25,921		$	—		$	121,024		$	—		$	121,024
Jewelry scrapping sales	6,552		2,729			—			9,281			—			9,281
Pawn service charges	64,303		19,371			—			83,674			—			83,674
Other revenues	48		42			1,781			1,871			—			1,871
Total revenues	166,006		48,063			1,781			215,850			—			215,850
Merchandise cost of goods sold	59,148		17,964			—			77,112			—			77,112
Jewelry scrapping cost of goods sold	5,510		2,540			—			8,050			—			8,050
Other cost of revenues	—		—			484			484			—			484
Net revenues	101,348		27,559			1,297			130,204			—			130,204
Segment and corporate expenses (income):
Operations	68,068		18,848			2,630			89,546			—			89,546
Administrative	—		—			—			—			15,479			15,479
Depreciation and amortization	3,035		1,422			41			4,498			2,350			6,848
Loss on sale or disposal of assets and other	2,853		1,589			—			4,442			—			4,442
Interest expense	—		29			72			101			8,690			8,791
Interest income	—		(419		)	—			(419		)	(2,920		)	(3,339		)
Equity in net loss of unconsolidated affiliate	—		—			1,119			1,119			—			1,119
Impairment of investment in unconsolidated affiliate	—		—			13,274			13,274			—			13,274
Other (income) expense	—		(126		)	22			(104		)	(282		)	(386		)
Segment contribution (loss)	$	27,392	$	6,216		$	(15,861	)	$	17,747
(Loss) income from continuing operations before income taxes									$	17,747		$	(23,317	)	$	(5,570	)



	Three Months Ended December 31, 2017
	U.S. Pawn			Latin America Pawn			Other International			Total Segments			Corporate Items			Consolidated

	(in thousands)
Revenues:
Merchandise sales	$	91,494		$	22,094		$	—		$	113,588		$	—		$	113,588
Jewelry scrapping sales	8,525			3,688			—			12,213			—			12,213
Pawn service charges	59,705			16,655			—			76,360			—			76,360
Other revenues	74			169			2,104			2,347			—			2,347
Total revenues	159,798			42,606			2,104			204,508			—			204,508
Merchandise cost of goods sold	56,088			15,079			—			71,167			—			71,167
Jewelry scrapping cost of goods sold	6,842			3,495			—			10,337			—			10,337
Other cost of revenues	—			—			577			577			—			577
Net revenues	96,868			24,032			1,527			122,427			—			122,427
Segment and corporate expenses (income):
Operations	66,300			14,687			2,623			83,610			—			83,610
Administrative	—			—			—			—			13,318			13,318
Depreciation and amortization	2,799			845			47			3,691			2,032			5,723
Loss on sale or disposal of assets	16			10			—			26			13			39
Interest expense	—			1			—			1			5,846			5,847
Interest income	—			(637		)	—			(637		)	(3,633		)	(4,270		)
Equity in net income of unconsolidated affiliate	—			—			(1,450		)	(1,450		)	—			(1,450		)
Other (income) expense	(4		)	115			(83		)	28			(210		)	(182		)
Segment contribution	$	27,757		$	9,011		$	390		$	37,158
Income from continuing operations before income taxes										$	37,158		$	(17,366	)	$	19,792

Supplemental Consolidated Financial Information

3 Months Ended

Dec. 31, 2018

Organization, Consolidation and Presentation of Financial Statements [Abstract]

SUPPLEMENTAL CONSOLIDATED FINANCIAL INFORMATION

NOTE 10: SUPPLEMENTAL CONSOLIDATED FINANCIAL INFORMATION AND OTHER

Supplemental Consolidated Financial Information

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



	December 31, 2018			December 31, 2017			September 30, 2018

	(in thousands)
Gross pawn service charges receivable	$	48,892		$	43,316		$	49,629
Allowance for uncollectible pawn service charges receivable	(9,933		)	(9,262		)	(11,311		)
Pawn service charges receivable, net	$	38,959		$	34,054		$	38,318

Gross inventory	$	185,706		$	171,029		$	176,198
Inventory reserves	(10,284		)	(7,719		)	(9,201		)
Inventory, net	$	175,422		$	163,310		$	166,997

Prepaid expenses and other	$	11,460		$	11,305		$	9,402
Accounts receivable and other	19,487			14,958			20,933
Restricted cash	255			253			267
2019 Convertible Notes Hedges	21			—			2,552
Prepaid expenses and other current assets	$	31,223		$	26,516		$	33,154

Property and equipment, gross	$	253,336		$	231,549		$	253,022
Accumulated depreciation	(183,566		)	(169,451		)	(179,373		)
Property and equipment, net	$	69,770		$	62,098		$	73,649

Accounts payable	$	15,141		$	14,229		$	10,500
Accrued expenses and other	42,487			45,978			47,300
Accounts payable, accrued expenses and other current liabilities	$	57,628		$	60,207		$	57,800

Jewelry Scrap Receivable

In November 2018, our principal refiner that processes our scrap jewelry announced Chapter 11 bankruptcy restructuring proceedings in the U.S. As of December 31, 2018, we had potential exposure from this refiner of $4.4 million on our balance sheet. In the first quarter of our fiscal 2019, we recorded a full reserve of $4.4 million against this amount which is included under "Loss on sale or disposal of assets and other" and "Other adjustments" in our condensed consolidated statements of operations and cash flows, respectively. We continue to monitor the bankruptcy process and may record recoveries of such reserved amounts in a future period as we gather more information.

Organization and Summary of Significant Accounting Policies (Policies)

3 Months Ended

Dec. 31, 2018

Accounting Policies [Abstract]

Basis of Presentation

There have been no changes in significant accounting policies as described in our Annual Report on Form 10-K for the year ended September 30, 2018, other than those described below.

Use of Estimates and Assumptions

Use of Estimates and AssumptionsThe preparation of these financial statements requires us to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenues and expenses and related disclosure of contingent assets and liabilities. On an ongoing basis, we evaluate our estimates and judgments, including those related to revenue recognition, inventories, loan loss allowances, long-lived and intangible assets, share-based compensation, income taxes, contingencies and litigation. We base our estimates on historical experience, observable trends and various other assumptions that we believe are reasonable under the circumstances. We use this information to make judgments about the carrying values of assets and liabilities that are not readily apparent from other sources. Actual results may differ materially from these estimates under different assumptions or conditions.

Recently Issued Accounting Pronouncements and Significant Accounting Policies

Recently Adopted Accounting Policies

•


•	In August 2016, the FASB issued ASU 2016-15 Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments. This ASU provides guidance on eight specific cash flow issues. We adopted this ASU during the first quarter of our fiscal 2019 on a prospective basis with no impact on our financial position, results of operations or cash flows.

•

Pawn Service Charges Revenue

Merchandise and Related Sales Revenue

other current liabilities” in our condensed consolidated balance sheets until remitted to the appropriate governmental authorities.

Jewelry Scrapping Sales Revenue

Other Revenue

Layaway fees, product protection plan revenues, and jewelry VIP package revenues are not significant.

Recently Issued Accounting Pronouncements

•

Earnings per Share (Tables)

3 Months Ended

Dec. 31, 2018

Earnings Per Share [Abstract]

Net components of basic and diluted earnings per share

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



	Three Months Ended December 31,
	2018			2017

	(in thousands, except per share amounts)
Net (loss) income from continuing operations attributable to EZCORP (A)	$	(4,061	)	$	12,970
Loss from discontinued operations, net of tax (B)	(183		)	(222		)
Net (loss) income attributable to EZCORP (C)	$	(4,244	)	$	12,748

Weighted-average outstanding shares of common stock (D)	55,032			54,464
Dilutive effect of restricted stock*	—			1,218
Weighted-average common stock and common stock equivalents (E)	55,032			55,682

Basic (loss) earnings per share attributable to EZCORP:
Continuing operations (A / D)	$	(0.07	)	$	0.24
Discontinued operations (B / D)	—			—
Basic (loss) earnings per share (C / D)	$	(0.07	)	$	0.24

Diluted (loss) earnings per share attributable to EZCORP:
Continuing operations (A / E)	$	(0.07	)	$	0.23
Discontinued operations (B / E)	—			—
Diluted (loss) earnings per share (C / E)	$	(0.07	)	$	0.23

Potential common shares excluded from the calculation of diluted (loss) earnings per share above*:
Restricted stock**	2,626			2,991


*	See Note 6 for discussion of the terms and conditions of the potential impact of the 2019 Convertible Note Warrants, 2024 Convertible Notes and 2025 Convertible Notes.

Strategic Investments (Tables)

3 Months Ended

Dec. 31, 2018

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 after translation to U.S. dollars:



	June 30,
	2018		2017

	(in thousands)
Current assets	$	229,105	$	155,749
Non-current assets	148,195		150,843
Total assets	$	377,300	$	306,592

Current liabilities	$	122,924	$	57,387
Non-current liabilities	15,449		48,698
Shareholders’ equity	238,927		200,507
Total liabilities and shareholders’ equity	$	377,300	$	306,592



	Fiscal Year Ended June 30,
	2018		2017

	(in thousands)
Gross revenues	$	201,800	$	204,509
Gross profit	128,366		130,943
Net profit	17,443		15,546

Fair Value Measurements (Tables)

3 Months Ended

Dec. 31, 2018

Fair Value Disclosures [Abstract]

Financial assets (liabilities) that are measured at fair value on a recurring basis

The tables below present our financial assets (liabilities) that were carried and measured at fair value on a recurring basis:



Financial Assets (Liabilities)	Balance Sheet Location	December 31, 2018			December 31, 2017			September 30, 2018

		(in thousands)
2019 Convertible Notes Hedges — Level 2	Prepaid expenses and other current assets	$	21		$	—		$	2,552
2019 Convertible Notes Hedges — Level 2	Other assets	—			12,863			—
2019 Convertible Notes Embedded Derivative — Level 2	Current maturities of long-term-debt, net	(21		)	—			(2,552		)
2019 Convertible Notes Embedded Derivative — Level 2	Long-term debt, net	—			(12,863		)	—

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

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



	Carrying Value		Estimated Fair Value
	December 31, 2018		December 31, 2018		Fair Value Measurement Using
	December 31, 2018		December 31, 2018		Level 1		Level 2		Level 3

	(in thousands)
Financial assets:
Notes receivable, net	$	31,310	$	33,710	$	—	$	—	$	33,710
Investment in unconsolidated affiliate	35,511		35,511		35,511		—		—

Financial liabilities:
2019 Convertible Notes	$	190,076	$	190,613	$	—	$	190,613	$	—
2024 Convertible Notes	107,182		145,202		—		145,202		—
2025 Convertible Notes	121,316		134,447		—		134,447		—
8.5% unsecured notes due 2024	1,237		1,237		—		—		1,237
CASHMAX secured borrowing facility	334		1,160		—		—		1,160



	Carrying Value		Estimated Fair Value
	December 31, 2017		December 31, 2017		Fair Value Measurement Using
	December 31, 2017		December 31, 2017		Level 1		Level 2		Level 3

	(in thousands)
Financial assets:
Notes receivable, net	$	60,025	$	68,720	$	—	$	—	$	68,720
Investment in unconsolidated affiliate	45,605		42,777		42,777		—		—

Financial liabilities:
2019 Convertible Notes	$	179,835	$	201,084	$	—	$	201,084	$	—
2024 Convertible Notes	102,063		201,250		—		201,250		—



	Carrying Value		Estimated Fair Value
	September 30, 2018		September 30, 2018		Fair Value Measurement Using
	September 30, 2018		September 30, 2018		Level 1		Level 2		Level 3

	(in thousands)
Financial assets:
Notes receivable, net	$	37,425	$	41,153	$	—	$	—	$	41,153
Investment in unconsolidated affiliate	49,500		49,500		49,500		—		—

Financial liabilities:
2019 Convertible Notes	$	187,433	$	189,150	$	—	$	189,150	$	—
2024 Convertible Notes	105,858		180,399		—		180,399		—
2025 Convertible Notes	119,736		161,253		—		161,253		—
8.5% unsecured notes due 2024	1,304		1,304		—		—		1,304

Long-term Debt (Tables)

3 Months Ended

Dec. 31, 2018

Debt Disclosure [Abstract]

Long term debt instruments

The following tables present our long-term debt instruments outstanding as well as future principal payments due:



	December 31, 2018							December 31, 2017							September 30, 2018
	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

	(in thousands)
2019 Convertible Notes	$	195,000	$	(4,924	)	$	190,076	$	195,000	$	(15,165	)	$	179,835	$	195,000	$	(7,567	)	$	187,433
2019 Convertible Notes Embedded Derivative	21		—			21		12,863		—			12,863		2,552		—			2,552
2024 Convertible Notes	143,750		(36,568		)	107,182		143,750		(41,687		)	102,063		143,750		(37,892		)	105,858
2025 Convertible Notes	172,500		(51,184		)	121,316		—		—			—		172,500		(52,764		)	119,736
8.5% unsecured notes due 2024*	1,237		—			1,237		—		—			—		1,304		—			1,304
CASHMAX secured borrowing facility**	1,160		(826		)	334		—		—			—		—		—			—
Total	$	513,668	$	(93,502	)	$	420,166	$	351,613	$	(56,852	)	$	294,761	$	515,106	$	(98,223	)	$	416,883
Less current portion	195,162		(4,924		)	190,238		—		—			—		197,748		(7,567		)	190,181
Total long-term debt	$	318,506	$	(88,578	)	$	229,928	$	351,613	$	(56,852	)	$	294,761	$	317,358	$	(90,656	)	$	226,702


*	Amount translated from Guatemalan quetzals as of December 31, 2018. Certain disclosures omitted due to materiality considerations.

See description below.

Principal payment schedule



	Principal Payment Schedule
	Total		Less Than 1 Year		1 - 3 Years		3 - 5 Years		More Than 5 Years

	(in thousands)
2019 Convertible Notes*	$	195,000	$	195,000	$	—	$	—	$	—
2024 Convertible Notes*	143,750		—		—		—		143,750
2025 Convertible Notes*	172,500		—		—		—		172,500
8.5% unsecured notes due 2024	1,237		141		424		424		248
CASHMAX secured borrowing facility	1,160		—		1,160		—		—
	$	513,647	$	195,141	$	1,584	$	424	$	316,498

Excludes the potential impact of embedded derivatives.

Schedule of interest expense



	Three Months Ended December 31,
	2018		2017

	(in millions)
2019 Convertible Notes:
Contractual interest expense	$	1.1	$	1.1
Amortization of debt discount and deferred financing costs	2.6		2.5
Total interest expense	$	3.7	$	3.6

2024 Convertible Notes:
Contractual interest expense	$	1.0	$	1.0
Amortization of debt discount and deferred financing costs	1.4		1.3
Total interest expense	$	2.4	$	2.3

2025 Convertible Notes:
Contractual interest expense	$	1.0	$	—
Amortization of debt discount and deferred financing costs	1.6		—
Total interest expense	$	2.6	$	—

- Definition

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

+ References

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Reference 8: http://fasb.org/us-gaap/role/ref/legacyRef
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Reference 9: http://fasb.org/us-gaap/role/ref/legacyRef
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-Name Accounting Standards Codification
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-URI http://asc.fasb.org/extlink&oid=114775985&loc=d3e28878-108400

Reference 10: http://fasb.org/us-gaap/role/ref/legacyRef
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-URI http://asc.fasb.org/extlink&oid=109259400&loc=d3e21475-112644

+ Details

Segment Information (Tables)

3 Months Ended

Dec. 31, 2018

Segment Reporting [Abstract]

Operating segment information



	Three Months Ended December 31, 2018
	U.S. Pawn		Latin America Pawn			Other International			Total Segments			Corporate Items			Consolidated

	(in thousands)
Revenues:
Merchandise sales	$	95,103	$	25,921		$	—		$	121,024		$	—		$	121,024
Jewelry scrapping sales	6,552		2,729			—			9,281			—			9,281
Pawn service charges	64,303		19,371			—			83,674			—			83,674
Other revenues	48		42			1,781			1,871			—			1,871
Total revenues	166,006		48,063			1,781			215,850			—			215,850
Merchandise cost of goods sold	59,148		17,964			—			77,112			—			77,112
Jewelry scrapping cost of goods sold	5,510		2,540			—			8,050			—			8,050
Other cost of revenues	—		—			484			484			—			484
Net revenues	101,348		27,559			1,297			130,204			—			130,204
Segment and corporate expenses (income):
Operations	68,068		18,848			2,630			89,546			—			89,546
Administrative	—		—			—			—			15,479			15,479
Depreciation and amortization	3,035		1,422			41			4,498			2,350			6,848
Loss on sale or disposal of assets and other	2,853		1,589			—			4,442			—			4,442
Interest expense	—		29			72			101			8,690			8,791
Interest income	—		(419		)	—			(419		)	(2,920		)	(3,339		)
Equity in net loss of unconsolidated affiliate	—		—			1,119			1,119			—			1,119
Impairment of investment in unconsolidated affiliate	—		—			13,274			13,274			—			13,274
Other (income) expense	—		(126		)	22			(104		)	(282		)	(386		)
Segment contribution (loss)	$	27,392	$	6,216		$	(15,861	)	$	17,747
(Loss) income from continuing operations before income taxes									$	17,747		$	(23,317	)	$	(5,570	)



	Three Months Ended December 31, 2017
	U.S. Pawn			Latin America Pawn			Other International			Total Segments			Corporate Items			Consolidated

	(in thousands)
Revenues:
Merchandise sales	$	91,494		$	22,094		$	—		$	113,588		$	—		$	113,588
Jewelry scrapping sales	8,525			3,688			—			12,213			—			12,213
Pawn service charges	59,705			16,655			—			76,360			—			76,360
Other revenues	74			169			2,104			2,347			—			2,347
Total revenues	159,798			42,606			2,104			204,508			—			204,508
Merchandise cost of goods sold	56,088			15,079			—			71,167			—			71,167
Jewelry scrapping cost of goods sold	6,842			3,495			—			10,337			—			10,337
Other cost of revenues	—			—			577			577			—			577
Net revenues	96,868			24,032			1,527			122,427			—			122,427
Segment and corporate expenses (income):
Operations	66,300			14,687			2,623			83,610			—			83,610
Administrative	—			—			—			—			13,318			13,318
Depreciation and amortization	2,799			845			47			3,691			2,032			5,723
Loss on sale or disposal of assets	16			10			—			26			13			39
Interest expense	—			1			—			1			5,846			5,847
Interest income	—			(637		)	—			(637		)	(3,633		)	(4,270		)
Equity in net income of unconsolidated affiliate	—			—			(1,450		)	(1,450		)	—			(1,450		)
Other (income) expense	(4		)	115			(83		)	28			(210		)	(182		)
Segment contribution	$	27,757		$	9,011		$	390		$	37,158
Income from continuing operations before income taxes										$	37,158		$	(17,366	)	$	19,792

Supplemental Consolidated Financial Information (Tables)

3 Months Ended

Dec. 31, 2018

Organization, Consolidation and Presentation of Financial Statements [Abstract]

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:



	December 31, 2018			December 31, 2017			September 30, 2018

	(in thousands)
Gross pawn service charges receivable	$	48,892		$	43,316		$	49,629
Allowance for uncollectible pawn service charges receivable	(9,933		)	(9,262		)	(11,311		)
Pawn service charges receivable, net	$	38,959		$	34,054		$	38,318

Gross inventory	$	185,706		$	171,029		$	176,198
Inventory reserves	(10,284		)	(7,719		)	(9,201		)
Inventory, net	$	175,422		$	163,310		$	166,997

Prepaid expenses and other	$	11,460		$	11,305		$	9,402
Accounts receivable and other	19,487			14,958			20,933
Restricted cash	255			253			267
2019 Convertible Notes Hedges	21			—			2,552
Prepaid expenses and other current assets	$	31,223		$	26,516		$	33,154

Property and equipment, gross	$	253,336		$	231,549		$	253,022
Accumulated depreciation	(183,566		)	(169,451		)	(179,373		)
Property and equipment, net	$	69,770		$	62,098		$	73,649

Accounts payable	$	15,141		$	14,229		$	10,500
Accrued expenses and other	42,487			45,978			47,300
Accounts payable, accrued expenses and other current liabilities	$	57,628		$	60,207		$	57,800

Organization and Summary of Significant Accounting Policies (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Sep. 30, 2018	Dec. 31, 2017
Accounting Policies [Abstract]
Restricted cash	$ 255	$ 267	$ 253

Acquisitions (Details) $ in Thousands		1 Months Ended	12 Months Ended
Acquisitions (Details) $ in Thousands	Oct. 06, 2017 USD ($) store	Dec. 31, 2018 USD ($) store	Sep. 30, 2018 USD ($)	Dec. 31, 2017 USD ($)
Business Acquisition [Line Items]
Goodwill		$ 294,881	$ 297,448	$ 288,773
Fiscal 2019 Acquisitions
Business Acquisition [Line Items]
Number of stores acquired \| store		5
Aggregate cash purchase price		$ 300
Goodwill		$ 100
GPMX
Business Acquisition [Line Items]
Number of stores acquired \| store	112
Percentage of voting interests acquired	100.00%
Total purchase price for acquisition	$ 61,700
Montepio San Patricio and Presta Dinero
Business Acquisition [Line Items]
Increase in deferred tax assets with offsetting goodwill reduction			$ 1,800

Earnings per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Net (loss) income from continuing operations attributable to EZCORP, Inc.	$ (4,061)	$ 12,970
Loss from discontinued operations, net of tax	(183)	(222)
Net (loss) income attributable to EZCORP, Inc.	$ (4,244)	$ 12,748
Weighted average outstanding shares of common stock (shares)	55,032	54,464
Dilutive effect of restricted stock (shares)	0	1,218
Weighted-average common stock and common stock equivalents (shares)	55,032	55,682
Basic (loss) earnings per share attributable to EZCORP:
Continuing operations (in dollars per share)	$ (0.07)	$ 0.24
Discontinued operations (in dollars per share)	0	0
Basic (loss) earnings per share (in dollars per share)	(0.07)	0.24
Diluted (loss) earnings per share attributable to EZCORP:
Continuing operations (in dollars per share)	(0.07)	0.23
Discontinued operations (in dollars per share)	0	0
Diluted (loss) earnings per share (in dollars per share)	$ (0.07)	$ 0.23
Restricted stock
Diluted (loss) earnings per share attributable to EZCORP:
Potential common shares excluded from the calculation of diluted (loss) earnings per share above (shares)	2,626	2,991

Strategic Investments - Additional Disclosures (Details) - Cash Converters International Limited $ in Millions	3 Months Ended
	Dec. 31, 2018 USD ($) shares
Schedule of Equity Method Investments [Line Items]
Number of common shares owned (shares) \| shares	214,183,714
Percentage of common shares owned	34.75%
Other than temporary impairment, before taxes	$ 13.3
Other than temporary impairment, net of taxes	$ 10.3

Strategic Investments - Summarized Financial Information (Details) - Cash Converters International Limited - USD ($) $ in Thousands	12 Months Ended
	Jun. 30, 2018	Jun. 30, 2017
Summary of financial information for Cash Converters International Limited
Current assets	$ 229,105	$ 155,749
Non-current assets	148,195	150,843
Total assets	377,300	306,592
Current liabilities	122,924	57,387
Non-current liabilities	15,449	48,698
Shareholders’ equity	238,927	200,507
Total liabilities and shareholders’ equity	377,300	306,592
Gross revenues	201,800	204,509
Gross profit	128,366	130,943
Net profit	$ 17,443	$ 15,546

Fair Value Measurements - Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) $ in Thousands	Dec. 31, 2018 USD ($)	Sep. 30, 2018 USD ($)	Dec. 31, 2017 USD ($)	Jun. 30, 2014
Prepaid expenses and other current assets \| Recurring \| Level 2 \| 2019 Convertible Notes Hedges — Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	$ 21	$ 2,552	$ 0
Other assets \| Recurring \| Level 2 \| 2019 Convertible Notes Hedges — Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative assets	0	0	12,863
Current maturities of long-term-debt, net \| Recurring \| Level 2 \| 2019 Convertible Notes Embedded Derivative — Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liability	(21)	(2,552)	0
Long-term debt, net \| Recurring \| Level 2 \| 2019 Convertible Notes Embedded Derivative — Level 2
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative liability	$ 0	$ 0	$ (12,863)
Price Volatility \| Recurring \| Convertible Hedges and Embedded Derivative Financial Instruments
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Derivative measurement input	0.36
2019 Convertible Notes
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Stated interest rate				2.125%

Fair Value Measurements - Financial Assets and Liabilities not Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Sep. 30, 2018	Dec. 31, 2017	Jul. 31, 2017	Jun. 30, 2014
Financial assets:
Notes receivable, net	$ 26,711	$ 34,199	$ 36,682
Investment in unconsolidated affiliate	$ 35,511	49,500	45,605
Level 1
Financial assets:
Notes receivable, net		0	0
Investment in unconsolidated affiliate		49,500	42,777
Level 2
Financial assets:
Notes receivable, net		0	0
Investment in unconsolidated affiliate		0	0
Level 3
Financial assets:
Notes receivable, net		41,153	68,720
Investment in unconsolidated affiliate		0	0
Notes Receivable \| Minimum \| Disposal Group \| Grupo Finmart
Financial liabilities:
Derivative measurement input	0.07
Notes Receivable \| Maximum \| Disposal Group \| Grupo Finmart
Financial liabilities:
Derivative measurement input	0.08
Carrying Value
Financial assets:
Notes receivable, net	$ 31,310	37,425	60,025
Investment in unconsolidated affiliate	35,511	49,500	45,605
Estimated Fair Value
Financial assets:
Notes receivable, net	33,710	41,153	68,720
Investment in unconsolidated affiliate	35,511	49,500	42,777
Estimated Fair Value \| Level 1
Financial assets:
Notes receivable, net	0
Investment in unconsolidated affiliate	35,511
Estimated Fair Value \| Level 2
Financial assets:
Notes receivable, net	0
Investment in unconsolidated affiliate	0
Estimated Fair Value \| Level 3
Financial assets:
Notes receivable, net	33,710
Investment in unconsolidated affiliate	0
2019 Convertible Notes
Financial liabilities:
Stated interest rate					2.125%
2019 Convertible Notes \| Level 1
Financial liabilities:
Convertible notes		0	0
2019 Convertible Notes \| Level 2
Financial liabilities:
Convertible notes		189,150	201,084
2019 Convertible Notes \| Level 3
Financial liabilities:
Convertible notes		0	0
2019 Convertible Notes \| Carrying Value
Financial liabilities:
Convertible notes	190,076	187,433	179,835
2019 Convertible Notes \| Estimated Fair Value
Financial liabilities:
Convertible notes	190,613	189,150	201,084
2019 Convertible Notes \| Estimated Fair Value \| Level 1
Financial liabilities:
Convertible notes	0
2019 Convertible Notes \| Estimated Fair Value \| Level 2
Financial liabilities:
Convertible notes	190,613
2019 Convertible Notes \| Estimated Fair Value \| Level 3
Financial liabilities:
Convertible notes	0
2024 Convertible Notes
Financial liabilities:
Stated interest rate				2.875%
2024 Convertible Notes \| Level 1
Financial liabilities:
Convertible notes		0	0
2024 Convertible Notes \| Level 2
Financial liabilities:
Convertible notes		180,399	201,250
2024 Convertible Notes \| Level 3
Financial liabilities:
Convertible notes		0	0
2024 Convertible Notes \| Carrying Value
Financial liabilities:
Convertible notes	107,182	105,858	102,063
2024 Convertible Notes \| Estimated Fair Value
Financial liabilities:
Convertible notes	145,202	180,399	$ 201,250
2024 Convertible Notes \| Estimated Fair Value \| Level 1
Financial liabilities:
Convertible notes	0
2024 Convertible Notes \| Estimated Fair Value \| Level 2
Financial liabilities:
Convertible notes	145,202
2024 Convertible Notes \| Estimated Fair Value \| Level 3
Financial liabilities:
Convertible notes	0
2025 Convertible Notes \| Level 1
Financial liabilities:
Convertible notes		0
2025 Convertible Notes \| Level 2
Financial liabilities:
Convertible notes		161,253
2025 Convertible Notes \| Level 3
Financial liabilities:
Convertible notes		0
2025 Convertible Notes \| Carrying Value
Financial liabilities:
Convertible notes	121,316	119,736
2025 Convertible Notes \| Estimated Fair Value
Financial liabilities:
Convertible notes	134,447	161,253
2025 Convertible Notes \| Estimated Fair Value \| Level 1
Financial liabilities:
Convertible notes	0
2025 Convertible Notes \| Estimated Fair Value \| Level 2
Financial liabilities:
Convertible notes	134,447
2025 Convertible Notes \| Estimated Fair Value \| Level 3
Financial liabilities:
Convertible notes	0
8.5% unsecured notes due 2024 \| Level 1
Financial liabilities:
Secured and unsecured debt		0
8.5% unsecured notes due 2024 \| Level 2
Financial liabilities:
Secured and unsecured debt		0
8.5% unsecured notes due 2024 \| Level 3
Financial liabilities:
Secured and unsecured debt		1,304
8.5% unsecured notes due 2024 \| Carrying Value
Financial liabilities:
Secured and unsecured debt	$ 1,237	$ 1,304
Stated interest rate	8.50%	8.50%
8.5% unsecured notes due 2024 \| Estimated Fair Value
Financial liabilities:
Secured and unsecured debt	$ 1,237	$ 1,304
8.5% unsecured notes due 2024 \| Estimated Fair Value \| Level 1
Financial liabilities:
Secured and unsecured debt	0
8.5% unsecured notes due 2024 \| Estimated Fair Value \| Level 2
Financial liabilities:
Secured and unsecured debt	0
8.5% unsecured notes due 2024 \| Estimated Fair Value \| Level 3
Financial liabilities:
Secured and unsecured debt	1,237
CASHMAX secured borrowing facility \| Carrying Value
Financial liabilities:
Secured and unsecured debt	334
CASHMAX secured borrowing facility \| Estimated Fair Value
Financial liabilities:
Secured and unsecured debt	1,160
CASHMAX secured borrowing facility \| Estimated Fair Value \| Level 1
Financial liabilities:
Secured and unsecured debt	0
CASHMAX secured borrowing facility \| Estimated Fair Value \| Level 2
Financial liabilities:
Secured and unsecured debt	0
CASHMAX secured borrowing facility \| Estimated Fair Value \| Level 3
Financial liabilities:
Secured and unsecured debt	$ 1,160

Long-term Debt - Outstanding obligations (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Sep. 30, 2018	May 14, 2018	Dec. 31, 2017	Jul. 31, 2017	Jun. 30, 2014
Debt Instrument [Line Items]
Gross Amount	$ 513,668	$ 515,106		$ 351,613
Debt Discount and Issuance Costs	(93,502)	(98,223)		(56,852)
Carrying Amount	420,166	416,883		294,761
Less current portion, Gross Amount	195,162	197,748		0
Less current portion, Debt Discount and Issuance Costs	(4,924)	(7,567)		0
Less current portion, Carrying Amount	190,238	190,181		0
Total long-term debt, Gross Amount	318,506	317,358		351,613
Total long-term debt, Debt Discount and Issuance Costs	(88,578)	(90,656)		(56,852)
Total long-term debt, Carrying Amount	229,928	226,702		294,761
2019 Convertible Notes
Debt Instrument [Line Items]
Stated interest rate						2.125%
2024 Convertible Notes
Debt Instrument [Line Items]
Stated interest rate					2.875%
Senior Notes \| 2019 Convertible Notes
Debt Instrument [Line Items]
Gross Amount	195,000	195,000		195,000
Debt Discount and Issuance Costs	(4,924)	(7,567)		(15,165)
Carrying Amount	190,076	187,433		179,835
Senior Notes \| 2019 Convertible Notes Embedded Derivative
Debt Instrument [Line Items]
Gross Amount	21	2,552		12,863
Debt Discount and Issuance Costs	0	0		0
Carrying Amount	21	2,552		12,863
Senior Notes \| 2024 Convertible Notes
Debt Instrument [Line Items]
Gross Amount	143,750	143,750		143,750
Debt Discount and Issuance Costs	(36,568)	(37,892)		(41,687)
Carrying Amount	107,182	105,858		102,063
Senior Notes \| 2025 Convertible Notes
Debt Instrument [Line Items]
Gross Amount	172,500	172,500		0
Debt Discount and Issuance Costs	(51,184)	(52,764)		0
Carrying Amount	121,316	119,736		0
Stated interest rate			2.375%
Unsecured Debt \| 8.5% unsecured notes due 2024
Debt Instrument [Line Items]
Gross Amount	1,237	1,304		0
Debt Discount and Issuance Costs	0	0		0
Carrying Amount	$ 1,237	1,304		0
Stated interest rate	8.50%
Receivables Securitization Facility \| CASHMAX secured borrowing facility
Debt Instrument [Line Items]
Gross Amount	$ 1,160	0		0
Debt Discount and Issuance Costs	(826)	0		0
Carrying Amount	$ 334	$ 0		$ 0

Long-term Debt - Principal Payments (Details) - USD ($)	Dec. 31, 2018	May 14, 2018	Jul. 31, 2017	Jun. 30, 2014
Debt Instrument [Line Items]
Total	$ 513,647,000
Less Than 1 Year	195,141,000
1 - 3 Years	1,584,000
3 - 5 Years	424,000
More Than 5 Years	316,498,000
2019 Convertible Notes
Debt Instrument [Line Items]
Stated interest rate				2.125%
2024 Convertible Notes
Debt Instrument [Line Items]
Total			$ 143,750,000
Stated interest rate			2.875%
Senior Notes \| 2019 Convertible Notes
Debt Instrument [Line Items]
Total	195,000,000
Less Than 1 Year	195,000,000
1 - 3 Years	0
3 - 5 Years	0
More Than 5 Years	0
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	0
More Than 5 Years	143,750,000
Senior Notes \| 2025 Convertible Notes
Debt Instrument [Line Items]
Total	172,500,000	$ 172,500,000
Less Than 1 Year	0
1 - 3 Years	0
3 - 5 Years	0
More Than 5 Years	172,500,000
Stated interest rate		2.375%
Unsecured Debt \| 8.5% unsecured notes due 2024
Debt Instrument [Line Items]
Total	1,237,000
Less Than 1 Year	141,000
1 - 3 Years	424,000
3 - 5 Years	424,000
More Than 5 Years	$ 248,000
Stated interest rate	8.50%
Receivables Securitization Facility \| CASHMAX secured borrowing facility
Debt Instrument [Line Items]
Total	$ 1,160,000
Less Than 1 Year	0
1 - 3 Years	1,160,000
3 - 5 Years	0
More Than 5 Years	$ 0

Long-term Debt - Interest Expense (Details) - Senior Notes - USD ($) $ in Millions	3 Months Ended
	Dec. 31, 2018	Dec. 31, 2017
Convertible Notes, Due 2019
Debt Instrument [Line Items]
Contractual interest expense	$ 1.1	$ 1.1
Amortization of debt discount and deferred financing costs	2.6	2.5
Total interest expense	3.7	3.6
2024 Convertible Notes
Debt Instrument [Line Items]
Contractual interest expense	1.0	1.0
Amortization of debt discount and deferred financing costs	1.4	1.3
Total interest expense	2.4	2.3
2025 Convertible Notes
Debt Instrument [Line Items]
Contractual interest expense	1.0	0.0
Amortization of debt discount and deferred financing costs	1.6	0.0
Total interest expense	$ 2.6	$ 0.0

Long-term Debt - Convertible Senior Notes Due 2025 (Details)		3 Months Ended
	May 14, 2018 USD ($) day	Dec. 31, 2018 USD ($) $ / shares	Oct. 01, 2018 $ / shares
Debt Instrument [Line Items]
Principal amount \| $		$ 513,647,000
Share price (usd per share) \| $ / shares			$ 10.51
Senior Notes \| 2025 Convertible Notes
Debt Instrument [Line Items]
Stated interest rate	2.375%
Principal amount \| $	$ 172,500,000	172,500,000
Semi-annual stated rate	2.375%
Carrying amount of equity component \| $		$ 39,000,000.0
Effective interest rate		9.00%
Conversion rate per $1000 principal amount	62.8931
Conversion price, per share (in dollars per share) \| $ / shares		$ 15.90
Share price (usd per share) \| $ / shares		$ 15.90
Debt Conversion, Condition One \| Senior Notes \| 2025 Convertible Notes
Debt Instrument [Line Items]
Trading days \| day	20
Consecutive trading days \| day	30

Long-term Debt - Convertible Senior Notes Due 2024 (Details)	1 Months Ended	3 Months Ended
	Jul. 31, 2017 USD ($) day $ / shares	Dec. 31, 2018 USD ($)	Sep. 30, 2018 USD ($)	Dec. 31, 2017 USD ($)
Debt Instrument [Line Items]
Principal amount		$ 513,647,000
Additional paid-in capital		400,081,000	$ 397,927,000	$ 351,110,000
2024 Convertible Notes
Debt Instrument [Line Items]
Stated interest rate	2.875%
Principal amount	$ 143,750,000
Common Stock Class A Non-voting \| 2024 Convertible Notes
Debt Instrument [Line Items]
Conversion rate per $1000 principal amount	100
Conversion price, per share (in dollars per share) \| $ / shares	$ 10.00
2019 Convertible Notes Embedded Derivative — Level 2
Debt Instrument [Line Items]
Additional paid-in capital		25,300,000
Senior Notes \| 2024 Convertible Notes
Debt Instrument [Line Items]
Principal amount		$ 143,750,000
Effective interest rate		9.00%
Holder Option \| Senior Notes \| Common Stock Class A Non-voting \| 2024 Convertible Notes
Debt Instrument [Line Items]
Trading days \| day	20
Consecutive trading days \| day	30

Long-term Debt - Cash Convertible Senior Notes Due 2019 (Details) $ / shares in Units, shares in Millions	1 Months Ended			3 Months Ended
	Jul. 31, 2017 USD ($) $ / shares	Jul. 31, 2014 USD ($)	Jun. 30, 2014 USD ($) $ / shares $ / share shares	Dec. 31, 2018
Convertible Senior Notes
Debt Instrument [Line Items]
Stated interest rate			2.125%
Effective interest rate				8.00%
2019 Convertible Notes
Debt Instrument [Line Items]
Stated interest rate			2.125%
Convertible senior notes issued and settled \| $		$ 30,000,000	$ 200,000,000
Convertible senior notes repurchased and retired \| $	$ 35,000,000.0
2024 Convertible Notes
Debt Instrument [Line Items]
Stated interest rate	2.875%
Convertible senior notes issued and settled \| $	$ 34,400,000
Common Stock Class A Non-voting \| 2019 Convertible Notes
Debt Instrument [Line Items]
Conversion rate per $1000 principal amount			62.2471
Conversion price, per share (in dollars per share) \| $ / shares			$ 16.065
Common Stock Class A Non-voting \| 2024 Convertible Notes
Debt Instrument [Line Items]
Conversion rate per $1000 principal amount	100
Conversion price, per share (in dollars per share) \| $ / shares	$ 10.00
2019 Convertible Notes Hedges — Level 2 \| Common Stock Class A Non-voting
Debt Instrument [Line Items]
Notional amount (shares) \| shares			12.1
Strike price (dollars per share) \| $ / share			16.065
Net-share-settled Warrants \| Common Stock Class A Non-voting
Debt Instrument [Line Items]
Number of securities called (shares) \| shares			12.1
Strike price for warrants (in dollars per share) \| $ / shares			$ 20.83

Long-term Debt - CASHMAX Secured Borrowing Facility (Details) - Receivables Securitization Facility - CASHMAX secured borrowing facility - Variable Interest Entity, Primary Beneficiary $ in Millions	Dec. 31, 2018 USD ($)	Nov. 30, 2018 CAD ($)
Qualitative and Quantitative Information, Transferor's Continuing Involvement [Line Items]
Maximum amount available from lender		$ 25,000,000
Amount outstanding at end of period	$ 1.2

Stock Compensation (Details) - $ / shares	1 Months Ended
Stock Compensation (Details) - $ / shares	Nov. 30, 2018	Oct. 01, 2018	May 01, 2010
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Share price (usd per share)		$ 10.51
Long-Term Incentive Plan 2010 \| Common Stock Class A Non-voting
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of shares authorized (shares)			5,085,649
Increase of shares authorized for grant (shares)	400,000
Long-Term Incentive Plan 2010 \| Restricted stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options granted (in dollars per share)	$ 9.18
Employee \| Long-Term Incentive Plan 2010 \| Restricted stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options granted in period (shares)	1,008,998
Non-employee Directors \| Long-Term Incentive Plan 2010 \| Restricted stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Options granted in period (shares)	59,812

Contingencies (Details) - Rooney v. EZCORP, Inc - lawsuit	Oct. 18, 2016	Sep. 28, 2015
Loss Contingencies [Line Items]
Number of lawsuits filed		2
Period to file an amended compliant	20 days

Segment Information (Details) - USD ($) $ in Thousands	3 Months Ended
Segment Information (Details) - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Revenues:
Total revenues	$ 215,850	$ 204,508
Net revenues	130,204	122,427
Segment and corporate expenses (income):
Operations	89,546	83,610
Administrative	15,479	13,318
Depreciation and amortization	6,848	5,723
Loss on sale or disposal of assets and other	4,442	39
Interest expense	8,791	5,847
Interest income	(3,339)	(4,270)
Equity in net loss (income) of unconsolidated affiliate	1,119	(1,450)
Impairment of investment in unconsolidated affiliate	13,274	0
Other income	(386)	(182)
(Loss) income from continuing operations before income taxes	(5,570)	19,792
Segments
Revenues:
Total revenues	215,850	204,508
Net revenues	130,204	122,427
Segment and corporate expenses (income):
Operations	89,546	83,610
Administrative	0	0
Depreciation and amortization	4,498	3,691
Loss on sale or disposal of assets and other	4,442	26
Interest expense	101	1
Interest income	(419)	(637)
Equity in net loss (income) of unconsolidated affiliate	1,119	(1,450)
Impairment of investment in unconsolidated affiliate	13,274
Other income	(104)	28
(Loss) income from continuing operations before income taxes	17,747	37,158
Segments \| U.S. Pawn
Revenues:
Total revenues	166,006	159,798
Net revenues	101,348	96,868
Segment and corporate expenses (income):
Operations	68,068	66,300
Administrative	0	0
Depreciation and amortization	3,035	2,799
Loss on sale or disposal of assets and other	2,853	16
Interest expense	0	0
Interest income	0	0
Equity in net loss (income) of unconsolidated affiliate	0	0
Impairment of investment in unconsolidated affiliate	0
Other income	0	(4)
(Loss) income from continuing operations before income taxes	27,392	27,757
Segments \| Latin America Pawn
Revenues:
Total revenues	48,063	42,606
Net revenues	27,559	24,032
Segment and corporate expenses (income):
Operations	18,848	14,687
Administrative	0	0
Depreciation and amortization	1,422	845
Loss on sale or disposal of assets and other	1,589	10
Interest expense	29	1
Interest income	(419)	(637)
Equity in net loss (income) of unconsolidated affiliate	0	0
Impairment of investment in unconsolidated affiliate	0
Other income	(126)	115
(Loss) income from continuing operations before income taxes	6,216	9,011
Segments \| Other International
Revenues:
Total revenues	1,781	2,104
Net revenues	1,297	1,527
Segment and corporate expenses (income):
Operations	2,630	2,623
Administrative	0	0
Depreciation and amortization	41	47
Loss on sale or disposal of assets and other	0	0
Interest expense	72	0
Interest income	0	0
Equity in net loss (income) of unconsolidated affiliate	1,119	(1,450)
Impairment of investment in unconsolidated affiliate	13,274
Other income	22	(83)
(Loss) income from continuing operations before income taxes	(15,861)	390
Corporate, Non-Segment
Revenues:
Total revenues	0	0
Net revenues	0	0
Segment and corporate expenses (income):
Operations	0	0
Administrative	15,479	13,318
Depreciation and amortization	2,350	2,032
Loss on sale or disposal of assets and other	0	13
Interest expense	8,690	5,846
Interest income	(2,920)	(3,633)
Equity in net loss (income) of unconsolidated affiliate	0	0
Impairment of investment in unconsolidated affiliate	0
Other income	(282)	(210)
(Loss) income from continuing operations before income taxes	(23,317)	(17,366)
Merchandise sales
Revenues:
Total revenues	121,024	113,588
Cost of revenues	77,112	71,167
Merchandise sales \| Segments
Revenues:
Total revenues	121,024	113,588
Cost of revenues	77,112	71,167
Merchandise sales \| Segments \| U.S. Pawn
Revenues:
Total revenues	95,103	91,494
Cost of revenues	59,148	56,088
Merchandise sales \| Segments \| Latin America Pawn
Revenues:
Total revenues	25,921	22,094
Cost of revenues	17,964	15,079
Merchandise sales \| Segments \| Other International
Revenues:
Total revenues	0	0
Cost of revenues	0	0
Merchandise sales \| Corporate, Non-Segment
Revenues:
Total revenues	0	0
Cost of revenues	0	0
Jewelry scrapping sales
Revenues:
Total revenues	9,281	12,213
Cost of revenues	8,050	10,337
Jewelry scrapping sales \| Segments
Revenues:
Total revenues	9,281	12,213
Cost of revenues	8,050	10,337
Jewelry scrapping sales \| Segments \| U.S. Pawn
Revenues:
Total revenues	6,552	8,525
Cost of revenues	5,510	6,842
Jewelry scrapping sales \| Segments \| Latin America Pawn
Revenues:
Total revenues	2,729	3,688
Cost of revenues	2,540	3,495
Jewelry scrapping sales \| Segments \| Other International
Revenues:
Total revenues	0	0
Cost of revenues	0	0
Jewelry scrapping sales \| Corporate, Non-Segment
Revenues:
Total revenues	0	0
Cost of revenues	0	0
Pawn service charges
Revenues:
Total revenues	83,674	76,360
Pawn service charges \| Segments
Revenues:
Total revenues	83,674	76,360
Pawn service charges \| Segments \| U.S. Pawn
Revenues:
Total revenues	64,303	59,705
Pawn service charges \| Segments \| Latin America Pawn
Revenues:
Total revenues	19,371	16,655
Pawn service charges \| Segments \| Other International
Revenues:
Total revenues	0	0
Pawn service charges \| Corporate, Non-Segment
Revenues:
Total revenues	0	0
Other revenues
Revenues:
Total revenues	1,871	2,347
Cost of revenues	484	577
Other revenues \| Segments
Revenues:
Total revenues	1,871	2,347
Cost of revenues	484	577
Other revenues \| Segments \| U.S. Pawn
Revenues:
Total revenues	48	74
Cost of revenues	0	0
Other revenues \| Segments \| Latin America Pawn
Revenues:
Total revenues	42	169
Cost of revenues	0	0
Other revenues \| Segments \| Other International
Revenues:
Total revenues	1,781	2,104
Cost of revenues	484	577
Other revenues \| Corporate, Non-Segment
Revenues:
Total revenues	0	0
Cost of revenues	$ 0	$ 0

Supplemental Consolidated Financial Information (Details) - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2018	Sep. 30, 2018	Dec. 31, 2017
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Gross pawn service charges receivable	$ 48,892	$ 49,629	$ 43,316
Allowance for uncollectible pawn service charges receivable	(9,933)	(11,311)	(9,262)
Pawn service charges receivable, net	38,959	38,318	34,054
Gross inventory	185,706	176,198	171,029
Inventory reserves	(10,284)	(9,201)	(7,719)
Inventory, net	175,422	166,997	163,310
Prepaid expenses and other	11,460	9,402	11,305
Accounts receivable and other	19,487	20,933	14,958
Restricted cash	255	267	253
2019 Convertible Notes Hedges	21	2,552	0
Prepaid expenses and other current assets	31,223	33,154	26,516
Property and equipment, gross	253,336	253,022	231,549
Accumulated depreciation	(183,566)	(179,373)	(169,451)
Property and equipment, net	69,770	73,649	62,098
Accounts payable	15,141	10,500	14,229
Accrued expenses and other	42,487	47,300	45,978
Accounts payable, accrued expenses and other current liabilities	57,628	$ 57,800	$ 60,207
Potential exposure to refiner restructuring	4,400
Full reserve recorded	$ 4,400