EZCORP (EZPW) 10-Q 4 Aug 21 2021 Q3 Quarterly report Financial data

Cover Page

Cover Page - shares	9 Months Ended
	Jun. 30, 2021	Jul. 31, 2021
Document Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2021
Current Fiscal Year End Date	--09-30
Document Transition Report	false
Entity File Number	0-19424
Entity Registrant Name	EZCORP, INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	74-2540145
Entity Address, Address Line One	2500 Bee Cave Road
Entity Address, Address Line Two	Bldg One
Entity Address, Address Line Three	Suite 200
Entity Address, City or Town	Rollingwood
Entity Address, State or Province	TX
Entity Address, Postal Zip Code	78746
City Area Code	512
Local Phone Number	314-3400
Title of 12(b) Security	Class A Non-voting Common Stock, par value $.01 per share
Trading Symbol	EZPW
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Amendment Flag	false
Entity Central Index Key	0000876523
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	Q3
Common Stock Class A Non-voting
Document Information [Line Items]
Entity Common Stock, Shares Outstanding		53,086,438
Common Stock Class B Voting
Document Information [Line Items]
Entity Common Stock, Shares Outstanding		2,970,171
No Trading Symbol Class B

Condensed Consolidated Balance

Condensed Consolidated Balance Sheets - USD ($) $ in Thousands	Jun. 30, 2021	Sep. 30, 2020	Jun. 30, 2020
Current assets:
Cash and cash equivalents	$ 283,668	$ 304,542	$ 311,130
Restricted cash	13,795	8,011	4,000
Pawn loans	157,155	131,323	113,290
Pawn service charges receivable, net	24,965	20,580	17,432
Inventory, net	92,242	95,891	123,112
Notes receivable, net	0	0	3,866
Prepaid expenses and other current assets	28,343	32,903	25,754
Total current assets	600,168	593,250	598,584
Investments in unconsolidated affiliates	35,387	32,458	29,483
Property and equipment, net	55,630	56,986	58,098
Lease right-of-use asset	185,467	183,809	204,591
Goodwill	283,619	257,582	257,326
Intangible assets, net	61,922	58,638	65,003
Notes receivable, net	1,173	1,148	1,140
Deferred tax asset, net	10,292	8,931	5,505
Other assets	4,992	4,221	4,572
Total assets	1,238,650	1,197,023	1,224,302
Current liabilities:
Current maturities of long-term debt, net	0	213	268
Accounts payable, accrued expenses and other current liabilities	84,966	71,504	58,358
Customer layaway deposits	11,884	11,008	11,902
Lease liability	47,241	49,742	48,840
Total current liabilities	144,091	132,467	119,368
Long-term debt, net	260,632	251,016	247,618
Deferred tax liability, net	1,309	524	2,165
Lease liability	149,342	153,040	167,716
Other long-term liabilities	10,058	10,849	7,523
Total liabilities	565,432	547,896	544,390
Commitments and Contingencies (Note 13)
Stockholders’ equity:
Additional paid-in capital	402,522	398,475	408,601
Retained earnings	325,228	318,169	341,517
Accumulated other comprehensive loss	(55,092)	(68,068)	(70,757)
Total equity	673,218	649,127	679,912
Total liabilities and equity	1,238,650	1,197,023	1,224,302
Common Stock Class A Non-voting
Stockholders’ equity:
Common stock	530	521	521
Common Stock Class B Voting
Stockholders’ equity:
Common stock	$ 30	$ 30	$ 30

Condensed Consolidated Balanc_2

Condensed Consolidated Balance Sheets (Parenthetical) - $ / shares	Jun. 30, 2021	Sep. 30, 2020	Jun. 30, 2020
Common Stock Class A Non-voting
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	100,000,000	100,000,000	100,000,000
Common stock, shares issued (in shares)	53,086,438	52,332,848	52,097,590
Common stock, shares outstanding (in shares)	53,086,438	52,332,848	52,097,590
Common Stock Class B Voting
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	3,000,000	3,000,000	3,000,000
Common stock, shares issued (in shares)	2,970,171	2,970,171	2,970,171
Common stock, shares outstanding (in shares)	2,970,171	2,970,171	2,970,171

Condensed Consolidated Statemen

Condensed Consolidated Statements of Operations - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Revenues:
Total revenues	$ 174,033	$ 210,224	$ 537,107	$ 655,938
Net revenues	108,021	102,175	330,159	359,605
Operating expenses:
Store expenses	81,803	82,341	242,261	259,264
General and administrative	14,589	16,176	40,870	50,355
Impairment of goodwill, intangible and other assets	0	0	0	47,060
Depreciation and amortization	7,419	7,679	23,080	23,174
Loss on sale or disposal of assets and other	0	255	90	1,260
Other charges	497	0	497	0
Total operating expenses	104,308	106,451	306,798	381,113
Operating income (loss)	3,713	(4,276)	23,361	(21,508)
Interest expense	5,569	5,379	16,542	16,589
Interest income	(512)	(628)	(1,918)	(2,412)
Equity in net (income) loss of unconsolidated affiliates	(643)	1,183	(2,409)	5,896
Other expense (income)	65	28	(389)	(215)
Income (loss) before income taxes	(766)	(10,238)	11,535	(41,366)
Income tax expense (benefit)	1,804	(4,751)	4,476	3,757
Net (loss) income	$ (2,570)	$ (5,487)	$ 7,059	$ (45,123)
Basic (loss) earnings per share (in dollars per share)	$ (0.05)	$ (0.10)	$ 0.13	$ (0.81)
Diluted (loss) earnings per share (in dollars per share)	$ (0.05)	$ (0.10)	$ 0.13	$ (0.81)
Weighted-average basic shares outstanding (in shares)	55,898	55,068	55,639	55,395
Weighted-average diluted shares outstanding (in shares)	55,898	55,068	55,653	55,395
Merchandise
Revenues:
Total revenues	$ 107,808	$ 136,537	$ 330,816	$ 393,095
Cost of revenues	60,539	91,859	190,872	261,711
Jewelry scrapping
Revenues:
Total revenues	5,673	20,303	18,507	41,709
Cost of revenues	5,473	16,158	16,076	33,529
Pawn service charges
Revenues:
Total revenues	60,431	52,460	187,356	217,407
Other
Revenues:
Total revenues	121	924	428	3,727
Cost of revenues	$ 0	$ 32	$ 0	$ 1,093

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Comprehensive Income (Loss) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Statement of Comprehensive Income [Abstract]
Net (loss) income	$ (2,570)	$ (5,487)	$ 7,059	$ (45,123)
Other comprehensive income (loss):
Foreign currency translation adjustment, net of tax	3,459	5,416	12,976	(18,359)
Comprehensive income (loss)	$ 889	$ (71)	$ 20,035	$ (63,482)

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Stockholders' Equity - USD ($) shares in Thousands, $ in Thousands	Total	Common Stock	Additional Paid-in Capital	Retained Earnings	Accumulated Other Comprehensive (Loss) Income
Beginning Balance (in shares) at Sep. 30, 2019		55,535
Beginning Balance at Sep. 30, 2019	$ 744,949	$ 556	$ 407,628	$ 389,163	$ (52,398)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	1,695		1,695
Release of restricted stock (in shares)		463
Release of restricted stock	5	$ 5
Taxes paid related to net share settlement of equity awards	(1,395)		(1,395)
Foreign currency translation gain (loss)	6,071				6,071
Purchase and retirement of treasury stock (in shares)		(142)
Purchase and retirement of treasury stock	(963)	$ (2)	(488)	(473)
Net income (loss)	1,238			1,238
Ending Balance (in shares) at Dec. 31, 2019		55,856
Ending Balance at Dec. 31, 2019	751,600	$ 559	407,440	389,928	(46,327)
Beginning Balance (in shares) at Sep. 30, 2019		55,535
Beginning Balance at Sep. 30, 2019	744,949	$ 556	407,628	389,163	(52,398)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)	(45,123)
Ending Balance (in shares) at Jun. 30, 2020		55,068
Ending Balance at Jun. 30, 2020	679,912	$ 551	408,601	341,517	(70,757)
Beginning Balance (in shares) at Sep. 30, 2019		55,535
Beginning Balance at Sep. 30, 2019	744,949	$ 556	407,628	389,163	(52,398)
Ending Balance (in shares) at Sep. 30, 2020		55,303
Ending Balance at Sep. 30, 2020	649,127	$ 551	398,475	318,169	(68,068)
Beginning Balance (in shares) at Dec. 31, 2019		55,856
Beginning Balance at Dec. 31, 2019	751,600	$ 559	407,440	389,928	(46,327)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	930		930
Release of restricted stock (in shares)		13
Release of restricted stock	1	$ 1
Taxes paid related to net share settlement of equity awards	(63)		(63)
Foreign currency translation gain (loss)	(29,846)				(29,846)
Purchase and retirement of treasury stock (in shares)		(801)
Purchase and retirement of treasury stock	(4,195)	$ (9)	(2,136)	(2,050)
Net income (loss)	(40,874)			(40,874)
Ending Balance (in shares) at Mar. 31, 2020		55,068
Ending Balance at Mar. 31, 2020	677,553	$ 551	406,171	347,004	(76,173)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	2,430		2,430
Foreign currency translation gain (loss)	5,416				5,416
Net income (loss)	(5,487)			(5,487)
Ending Balance (in shares) at Jun. 30, 2020		55,068
Ending Balance at Jun. 30, 2020	679,912	$ 551	408,601	341,517	(70,757)
Beginning Balance (in shares) at Sep. 30, 2020		55,303
Beginning Balance at Sep. 30, 2020	649,127	$ 551	398,475	318,169	(68,068)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	524		524
Release of restricted stock (in shares)		296
Release of restricted stock	5	$ 5
Taxes paid related to net share settlement of equity awards	(730)		(730)
Foreign currency translation gain (loss)	11,277				11,277
Net income (loss)	4,299			4,299
Ending Balance (in shares) at Dec. 31, 2020		55,599
Ending Balance at Dec. 31, 2020	664,502	$ 556	398,269	322,468	(56,791)
Beginning Balance (in shares) at Sep. 30, 2020		55,303
Beginning Balance at Sep. 30, 2020	649,127	$ 551	398,475	318,169	(68,068)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income (loss)	7,059
Ending Balance (in shares) at Jun. 30, 2021		56,057
Ending Balance at Jun. 30, 2021	673,218	$ 560	402,522	325,228	(55,092)
Beginning Balance (in shares) at Dec. 31, 2020		55,599
Beginning Balance at Dec. 31, 2020	664,502	$ 556	398,269	322,468	(56,791)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	1,094		1,094
Transfer of consideration for prior period acquisition (in shares)		33
Transfer of consideration for prior period acquisition	185		185
Release of restricted stock (in shares)		212
Release of restricted stock	2	$ 2
Taxes paid related to net share settlement of equity awards	(109)		(109)
Foreign currency translation gain (loss)	(1,760)				(1,760)
Net income (loss)	5,330			5,330
Ending Balance (in shares) at Mar. 31, 2021		55,844
Ending Balance at Mar. 31, 2021	669,244	$ 558	399,439	327,798	(58,551)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	1,538		1,538
Transfer of consideration for current period acquisition (in shares)		213
Transfer of consideration for current period acquisition	1,547	$ 2	1,545
Foreign currency translation gain (loss)	3,459				3,459
Net income (loss)	(2,570)			(2,570)
Ending Balance (in shares) at Jun. 30, 2021		56,057
Ending Balance at Jun. 30, 2021	$ 673,218	$ 560	$ 402,522	$ 325,228	$ (55,092)

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Jun. 30, 2021	Jun. 30, 2020
Operating activities:
Net income (loss)	$ 7,059	$ (45,123)
Adjustments to reconcile net income (loss) to net cash flows from operating activities:
Depreciation and amortization	23,080	23,174
Amortization of debt discount and deferred financing costs	10,243	9,814
Amortization of lease right-of-use asset	35,885	34,265
Accretion of notes receivable discount and deferred compensation fee	0	(688)
Deferred income taxes	(576)	(3,327)
Impairment of goodwill and intangible assets	0	47,060
Other adjustments	(331)	2,128
Provision for inventory reserve	(6,812)	(4,477)
Stock compensation expense	3,156	5,093
Equity in net (income) loss of unconsolidated affiliates	(2,409)	5,896
Changes in operating assets and liabilities, net of business acquisitions:
Service charges and fees receivable	(2,832)	14,076
Inventory	5,382	12,467
Prepaid expenses, other current assets and other assets	7,908	(3,348)
Accounts payable, accrued expenses and other liabilities	(51,565)	(40,450)
Customer layaway deposits	511	(709)
Income taxes	4,423	514
Net cash provided by operating activities	33,122	56,365
Investing activities:
Loans made	(423,450)	(442,752)
Loans repaid	260,536	321,718
Recovery of pawn loan principal through sale of forfeited collateral	155,595	248,290
Capital expenditures, net	(14,635)	(20,867)
Acquisitions, net of cash acquired	(15,132)	0
Principal collections on notes receivable	0	4,000
Net cash (used in) provided by investing activities	(37,086)	110,389
Financing activities:
Taxes paid related to net share settlement of equity awards	(839)	(1,458)
Payout of deferred consideration	0	(350)
Proceeds from borrowings, net of issuance costs	0	(106)
Payments on assumed debt and other borrowings	(15,363)	(316)
Repurchase of common stock	0	(5,158)
Net cash used in financing activities	(16,202)	(7,388)
Effect of exchange rate changes on cash and cash equivalents and restricted cash	5,076	(6,678)
Net (decrease) increase in cash, cash equivalents and restricted cash	(15,090)	152,688
Cash, cash equivalents and restricted cash at beginning of period	312,553	162,442
Cash, cash equivalents and restricted cash at end of period	297,463	315,130
Supplemental disclosure of cash flow information
Cash and cash equivalents	283,668	311,130
Restricted cash	13,795	4,000
Total cash and cash equivalents and restricted cash	297,463	315,130
Non-cash investing and financing activities:
Pawn loans forfeited and transferred to inventory	145,839	200,160
Transfer of consideration for current period acquisition	1,547	0
Acquisition earn-out contingency	4,608	0
Accrued acquisition consideration held as restricted cash	$ 5,824	$ 0

Organization and Summary of Sig

Organization and Summary of Significant Accounting Policies	9 Months Ended
	Jun. 30, 2021
Accounting Policies [Abstract]
ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 1: ORGANIZATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Description of Business EZCORP, Inc. (collectively with its subsidiaries, the “Company”, “we”, “us” or “our”) is a leading provider of pawn loans in the United States and Latin America. Pawn loans are non-recourse loans collateralized by tangible property. We also sell merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. Basis of Presentation The accompanying interim unaudited condensed consolidated financial statements (“Condensed Consolidated Financial Statements”) have been prepared in accordance with U.S. generally accepted accounting principles (“U.S. GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10-01 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. These Condensed Consolidated Financial Statements should be read in conjunction with the audited consolidated financial statements and related notes contained in our Annual Report on Form 10-K for the year ended September 30, 2020 In the opinion of management, the accompanying Condensed Consolidated Financial Statements include all adjustments, consisting of normal recurring adjustments, considered necessary for a fair presentation. Financial results for the three and nine-month periods ended June 30, 2021, are not necessarily indicative of results that may be expected for the fiscal year ending September 30, 2021. Our business is subject to seasonal variations, and operating results for the three and nine months ended June 30, 2021 and 2020 (the "current quarter" and "prior-year quarter," respectively) are not necessarily indicative of the results of operations for the full fiscal year. There have been no changes that have had a material impact in significant accounting policies as described in our Annual Report on Form 10-K for the year ended September 30, 2020 Principles of Consolidation The accompanying Condensed Consolidated Financial Statements include the accounts of EZCORP, Inc. and its wholly owned subsidiaries. We use the equity method of accounting for entities in which we have a 50% or less investment and exercise significant influence. We account for equity investments for which we do not have significant influence and without readily determinable fair values at cost with adjustments for observable changes in price in orderly transactions for identical or similar investments of the same issuer or impairments. All inter-company accounts and transactions have been eliminated in consolidation. Reclassifications We have reclassified certain amounts in prior-period financial statements to conform to the current period presentation. Use of Estimates The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Such estimates and assumptions include the determination of inventory reserves, expected credit losses, useful lives of long-lived and intangible assets, valuation of share-based compensation, valuation of equity investments, valuation of deferred tax assets and liabilities, loss contingencies related to litigation and discount rates used for operating leases. Actual results may result in actual amounts differing from reported amounts. Impact of COVID-19 The COVID-19 pandemic continues to affect the U.S. and global economies, and as previously disclosed in our 2020 Annual Report, the pandemic also affected our businesses in a variety of ways beginning in the second quarter of fiscal 2020 and continuing into fiscal 2021. We cannot estimate the length or severity of the COVID-19 pandemic or the related financial consequences on our business and operations, including whether and when historic economic and operating conditions will resume or the extent to which the disruption may impact our business, financial position, results of operations or cash flows. Our estimates, judgments and assumptions related to COVID-19 could ultimately differ over time. Recently Adopted Accounting Policies In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2016-13, Financial Instruments — Credit Losses (Topic 326) (“ASU 2016-13”). ASU 2016-13 modifies the measurement of expected credit losses of certain financial instruments, requiring entities to estimate an expected lifetime credit loss on financial assets. The ASU amends the impairment model to utilize an expected loss methodology and replaces the incurred loss methodology for financial instruments including trade receivables. The amendment requires entities to consider other factors, such as historical loss experience, current conditions and reasonable and supportable forecasts. ASU 2016-13 was effective on October 1, 2020. We adopted ASU 2016-13 effective October 1, 2020 using the modified retrospective approach. There was no net cumulative effect adjustment to retained earnings as of October 1, 2020 as a result of this adoption. This amendment did not have a material impact on our balance sheets or cash flows from operations and did not have a material impact on our operating results. Recently Issued Accounting Pronouncements In August 2020, the FASB issued ASU 2020-06, “Debt—Debt with Conversion and Other Options (Subtopic 470-20) and Derivatives and Hedging—Contracts in Entity’s Own Equity (Subtopic 815-40): Accounting for Convertible Instruments and Contracts in an Entity’s Own Equity” (“ASU 2020-06”), which simplifies accounting for convertible instruments by removing major separation models required under current U.S. GAAP. ASU 2020-06 removes certain settlement conditions that are required for equity contracts to qualify for the derivative scope exception and it also simplifies the diluted earnings per share calculation in certain areas. ASU 2020-06 is effective for the Company for fiscal years beginning after December 15, 2021, including interim periods within those fiscal years. Early adoption is permitted, but no earlier than fiscal years beginning after December 15, 2020 and adoption must be as of the beginning of our annual fiscal year. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures.

Acquisitions

Acquisitions	9 Months Ended
	Jun. 30, 2021
Business Combination and Asset Acquisition [Abstract]
ACQUISITIONS	NOTE 2: ACQUISITIONS On June 9, 2021, we completed the acquisition of 100% of the common shares of PLO del Bajio S. de R.L. de C.V. (“Bajio”) and gained control of the entity, further expanding our geographic footprint within Mexico with the addition of 128 pawn stores. These stores, operating under the name "Cash Apoyo Efectivo," are located principally in the Mexico City metropolitan area and have strong brand recognition in that market. This is our largest acquisition to date in terms of store-count. We now operate a total of 1,143 pawn stores, 627 of which are in Latin America, including 503 in Mexico. The total consideration paid for Bajio was $23.6 million, consisting of cash of $17.4 million, of which $11.6 million was paid in cash at closing and the remaining $5.8 million is accrued and held as restricted cash to be paid out per the acquisition agreement and 212,870 shares of our Class A Non-Voting Common Stock valued at $1.6 million. In addition, t he sellers may be entitled to additional payments of up to $4.6 million over the next two years, contingent on the performance of the acquired stores with growing its loan portfolio. We recorded this earn-out contingency as part of the total consideration as the metrics are considered achievable by Management. We also repaid $14.9 million of Bajio’s existing debt assumed in the acquisition on June 9, 2021. The assets acquired and liabilities assumed are based upon the estimated fair values at the date of acquisition. The excess purchase price over the estimated fair market value of the new assets acquired has been recorded as goodwill. The estimated fair value of the assets acquired and liabilities assumed are provisional as management is still gathering additional information to complete the purchase accounting. The preliminary allocation of the consideration for the net acquired assets from this business combination were as follows, in thousands: Cash and cash equivalents $ 308 Earning assets 9,462 Lease right-of-use assets 10,826 Property and equipment 4,317 Intangible assets* 3,965 Goodwill 22,957 Other assets 649 Accounts payable, deferred taxes and other liabilities (3,150) Lease liability (10,826) Assumed debt (14,931) Total consideration $ 23,577 *Intangible assets consist of $4.0 million in trade names. The factors contributing to the recognition of goodwill, which is recorded in our Latin America Pawn segment, were based on several strategic and synergistic benefits we expect to realize from the acquisition, including expansion of our store base as well as the ability to further leverage our pawn expertise, investments in information technology and other back office and support functions of our existing Mexico pawn business. We expect none of the goodwill resulting from this business combination will be deductible for income tax purposes. The results of Bajio have been included in our condensed consolidated financial statements from June 9, 2021 through June 30, 2021, and are reported in our Latin America Pawn segment. The acquired business contributed revenues of $1.7 million and net income of $0.1 million to us for the period from June 9, 2021 to June 30, 2021. The following unaudited pro forma summary presents consolidated information for us as if the business combination had occurred on October 1, 2019. The pro forma information is not necessarily indicative of our results of operations had the acquisitions been completed on the above date, nor is it necessarily indicative of our future results. The pro forma information does not reflect any cost savings from operating efficiencies or synergies that could result from the acquisitions, nor does it reflect additional revenue opportunities following the acquisition. The pro forma adjustments reflected in the table below are subject to change as additional analysis is performed. Three Months Ended June 30, Nine Months Ended June 30, (in thousands, except per share amounts) 2021 2020 2021 2020 Revenue $ 180,854 $ 216,083 $ 558,426 $ 681,069 Net (loss) income (2,475) (5,354) 6,775 (42,628) Basic (loss) earnings per common share (0.04) (0.10) 0.12 (0.75) Diluted (loss) earnings per common share (0.04) (0.10) 0.12 (0.75) We did not have any material, nonrecurring pro forma adjustments directly attributable to the business combination included in the reported pro forma net revenue and net income. These pro forma amounts have been calculated after applying the Company's accounting policies and adjusting the results to reflect the additional amortization that would have been incurred assuming the amortization of the trade name had been applied from October 1, 2019. During the three and nine months ended June 30, 2021, we incurred total acquisition costs of $0.2 million and $0.4 million, respectively. The acquisition costs were primarily related to legal, accounting and consulting services, were expensed as incurred through June 30, 2021 and are included in general and administrative expenses in the consolidated statements of operations. In May 2021, we acquired substantially all of the assets associated with 11 pawn stores in the Houston, Texas area, providing an immediate market-leading position in the South Houston area and enhancing our already strong position in the strategically important Houston metro market. We have concluded that this acquisition was immaterial to our overall consolidated financial results and, therefore, have omitted information that would otherwise be required.

Expected Credit Losses

Expected Credit Losses	9 Months Ended
	Jun. 30, 2021
Credit Loss [Abstract]
EXPECTED CREDIT LOSSES	NOTE 3: EXPECTED CREDIT LOSSES We adopted ASU 2016-13 effective October 1, 2020. We have financing receivables within the scope of ASU 2016-13, specifically pawn loans receivables and related pawn service charges receivables. Our pawn loans are short-term in nature, typically 30-120 days for U.S. Pawn loans and 30 days for Latin America Pawn loans. Under our existing accounting policy, if a pawn loan is deemed to be uncollectible, we do not recognize an allowance for doubtful accounts due to the expected recovery of the loan principal amount through the sale of the collateral. We record the forfeited collateral as inventory at the pawn loan principal amount. Pawn service charges are recorded under the interest method over the term of the related pawn loan. Under our existing accounting policy, we accrue for any earned but unpaid pawn service charges at the end each month. We then apply a reserve to pawn service charges receivable at the end of each month using a pawn loan forfeiture rate derived from a trailing twelve-month average, adjusted for seasonality factors. We have evaluated, on a collective basis, our pawn loan receivables and pawn service charges receivables and determined the new credit loss standard did not have a material impact on our consolidated financial statements, as our current polices appropriately capture lifetime expected credit losses. The presentation of pawn loan and pawn service charge receivable as separate line items on our consolidated balance sheet will remain unchanged under the new credit loss standard. As of June 30, 2021, pawn loan and related pawn service charges receivable, net were $157.2 million and $25.0 million, respectively.

Goodwill

Goodwill	9 Months Ended
	Jun. 30, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
GOODWILL	NOTE 4: GOODWILL The following table summarizes the changes in the carrying amount of goodwill by segment and in total: Nine Months Ended June 30, 2021 (in thousands) U.S. Pawn Latin America Pawn Consolidated Balances as of September 30, 2020 $ 241,928 $ 15,654 $ 257,582 Acquisitions 2,394 22,957 25,351 Effect of foreign currency translation changes — 686 686 Balances as of June 30, 2021 $ 244,322 $ 39,297 $ 283,619 Nine Months Ended June 30, 2020 (in thousands) U.S. Pawn Latin America Pawn Consolidated Balances as of September 30, 2019 $ 251,752 $ 48,775 $ 300,527 Effect of foreign currency translation changes — (1,888) (1,888) Measurement period adjustments 176 (149) 27 Impairment charge (10,000) (31,340) (41,340) Balances as of June 30, 2020 $ 241,928 $ 15,398 $ 257,326

Other Charges

Other Charges	9 Months Ended
	Jun. 30, 2021
Restructuring and Related Activities [Abstract]
OTHER CHARGES	NOTE 5: OTHER CHARGES During the fourth quarter of fiscal 2020, we began to implement strategic initiatives to refocus on our core pawn business and optimize our cost structure in order to improve our bottom line performance and position us for sustainable growth. The initiatives focused on workforce reductions, closure of our CASHMAX operations, store closures, write-offs and other miscellaneous charges. We recorded $20.4 million of such charges for the quarter ended September 30, 2020, and had accrued charges of $10.7 million remaining at September 30, 2020. We recorded $0.5 million of charges for the three months ended June 30, 2021 related to the closure of store operations in Peru. (in thousands) Accrued Charges at September 30, 2020 Charges Payments and Adjustments Accrued Charges at March 31, 2021 Charges Payments and Adjustments Accrued Charges at June 30, 2021 Cash charges: Labor reduction costs $ 5,946 $ — $ (3,418) $ 2,528 $ — $ (1,454) $ 1,074 CASHMAX shutdown costs 800 — (800) — — — — Store closure costs 1,806 — (1,806) — 497 — 497 Other 2,166 — (166) 2,000 — — 2,000 $ 10,718 $ — $ (6,190) $ 4,528 $ 497 $ (1,454) $ 3,571

Earnings per Share

Earnings per Share	9 Months Ended
	Jun. 30, 2021
Earnings Per Share [Abstract]
EARNINGS PER SHARE	NOTE 6: EARNINGS PER SHARE The following table reconciles the number of common shares used to compute basic and diluted earnings per share attributable to EZCORP Inc., shareholders: Three Months Ended June 30, Nine Months Ended June 30, (in thousands, except per share amounts) 2021 2020 2021 2020 Net (loss) income $ (2,570) $ (5,487) $ 7,059 $ (45,123) Earnings per common share Average common share outstanding (denominator) 55,898 55,068 55,639 55,395 (Loss) earnings per common share $ (0.05) $ (0.10) $ 0.13 $ (0.81) Diluted earnings per common share Average common share outstanding 55,898 55,068 55,639 55,395 Dilutive effect of restricted stock and convertible notes* — — 14 — Diluted average common shares outstanding (denominator) 55,898 55,068 55,653 55,395 Diluted (loss) earnings per common share $ (0.05) $ (0.10) $ 0.13 $ (0.81) Potential common shares excluded from the calculation of diluted earnings per share above: Restricted stock** 1,154 3,042 896 2,677 * Includes time-based share-based awards and Convertible Notes. See Note 10 for discussion of the terms and conditions of the potential impact of the 2024 Convertible Notes and 2025 Convertible Notes. This amount excludes all potential common shares for periods when there is a loss from continuing operations. ** Includes antidilutive share-based awards as well as performance-based share-based awards that are contingently issuable, but for which the condition for issuance has not been met as of the end of the reporting period.

Leases

Leases	9 Months Ended
	Jun. 30, 2021
Leases [Abstract]
LEASES	NOTE 7: LEASES We determine if a contract contains a lease at inception. Our lease portfolio consists primarily of operating leases for pawn store locations and corporate offices with lease terms ranging from three The information below provides a summary of our leasing activities. See Note 12 in our 2020 Annual Report for additional information about our leasing activities. The table below presents balances of our operating leases: (in thousands) June 30, 2021 June 30, 2020 September 30, 2020 Right-of-use asset $ 185,467 $ 204,591 $ 183,809 Lease liability, current $ 47,241 $ 48,840 $ 49,742 Lease liability, non-current 149,342 167,716 153,040 Total lease liability $ 196,583 $ 216,556 $ 202,782 The table below provides the composition of our lease costs: Three Months Ended June 30, Nine Months Ended June 30, (in thousands) 2021 2020 2021 2020 Operating lease expense $ 15,699 $ 15,624 $ 47,237 $ 47,603 Variable lease expense 3,601 3,025 9,768 8,925 Other (1) (845) — (2,570) — Total lease expense $ 18,455 $ 18,649 $ 54,435 $ 56,528 (1) Includes sublease rental income. Other supplemental information includes the following for our operating leases: Nine Months Ended June 30, 2021 2020 Weighted-average remaining contractual lease term (years) 5.21 5.58 Weighted-average incremental borrowing rate 7.86 % 8.25 % Maturities of lease liabilities as of June 30, 2021 were as follows (in thousands): Remaining 2021 $ 14,491 Fiscal 2022 59,908 Fiscal 2023 47,637 Fiscal 2024 35,724 Fiscal 2025 24,970 Thereafter 57,358 Total lease payments $ 240,088 Less: Portion representing interest 43,505 Present value of operating lease liabilities $ 196,583 Less: Current portion 47,241 Non-current portion $ 149,342 We recorded $33.5 million and $10.1 million in non-cash additions to our right of use assets and lease liabilities for the nine months ended June 30, 2021 and June 30, 2020, respectively.

Strategic Investments

Strategic Investments	9 Months Ended
	Jun. 30, 2021
Equity Method Investments and Joint Ventures [Abstract]
STRATEGIC INVESTMENTS	NOTE 8: STRATEGIC INVESTMENTS On April 14, 2021, we received an additional 9,519,277 shares in Cash Converters International Limited ("Cash Converters International") resulting from the reinvestment of a dividend, bringing our total ownership to 223,702,991 shares, or 35.65% of Cash Converters International as of June 30, 2021. The following tables present summary financial information for Cash Converters International’s most recently reported results at December 31, 2020 after translation to U.S. dollars: December 31, (in thousands) 2020 2019 Current assets $ 170,412 $ 164,906 Non-current assets 189,810 199,277 Total assets $ 360,222 $ 364,183 Current liabilities $ 59,962 $ 93,958 Non-current liabilities 58,368 60,503 Shareholders’ equity 241,892 209,722 Total liabilities and shareholders’ equity $ 360,222 $ 364,183 Half-Year Ended December 31, (in thousands) 2020 2019 Gross revenues $ 71,153 $ 98,531 Gross profit 51,231 59,250 Net profit (loss) 5,561 (13,280) See Note 9 for the fair value and carrying value of our investment in Cash Converters International.

Fair Value Measurements

Fair Value Measurements	9 Months Ended
	Jun. 30, 2021
Fair Value Disclosures [Abstract]
FAIR VALUE MEASUREMENTS	NOTE 9: FAIR VALUE MEASUREMENTS The fair value of a financial instrument is the amount that could be received upon the sale of an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. The fair value hierarchy prioritizes the quality and reliability of the information used to determine fair values. Categorization within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The fair value hierarchy is defined into the following three categories: • Level 1 — Quoted market prices in active markets for identical assets or liabilities. • Level 2 — Other observable market-based inputs or unobservable inputs that are corroborated by market data. • Level 3 — Unobservable inputs that are not corroborated by market data. We have elected not to measure at fair value any eligible items for which fair value measurement is optional. There were no transfers in or out of Level 1, Level 2 or Level 3 for financial assets or liabilities measured at fair value on a recurring basis during the periods presented. Fair Value Measurement on a Recurring Basis As of June 30, 2021, June 30, 2020 and September 30, 2020, we did not have any financial assets or liabilities measured at fair value on a recurring basis. Financial Assets and Liabilities Not Measured at Fair Value The tables below present our estimates of fair value of financial assets and liabilities that were not measured at fair value on a recurring basis: Carrying Value Estimated Fair Value June 30, 2021 June 30, 2021 Fair Value Measurement Using (in thousands) Level 1 Level 2 Level 3 Financial assets: 2.89% promissory note receivable due April 2024 $ 1,173 $ 1,173 $ — $ — $ 1,173 Investments in unconsolidated affiliates 35,387 43,440 35,970 — 7,470 Financial liabilities: 2024 Convertible Notes $ 121,910 $ 150,219 $ — $ 150,219 $ — 2025 Convertible Notes 138,722 154,129 — 154,129 — Carrying Value Estimated Fair Value June 30, 2020 June 30, 2020 Fair Value Measurement Using (in thousands) Level 1 Level 2 Level 3 Financial assets: Notes receivable from Grupo Finmart, net $ 3,866 $ 3,945 $ — $ — $ 3,945 2.89% promissory note receivable due April 2024 1,140 1,140 — — 1,140 Investments in unconsolidated affiliates 29,483 33,602 25,779 — 7,823 Financial liabilities: 2024 Convertible Notes $ 115,681 $ 130,669 $ — $ 130,669 $ — 2025 Convertible Notes 131,378 125,235 — 125,235 — 8.5% unsecured debt due 2024 998 998 — — 998 CASHMAX secured borrowing facility (171) 295 — — 295 Carrying Value Estimated Fair Value September 30, 2020 September 30, 2020 Fair Value Measurement Using (in thousands) Level 1 Level 2 Level 3 Financial assets: 2.89% promissory note receivable due April 2024 $ 1,148 $ 1,148 $ — $ — $ 1,148 Investments in unconsolidated affiliates 32,458 32,597 24,833 — 7,764 Financial liabilities: 2024 Convertible Notes $ 117,193 $ 129,979 $ — $ 129,979 $ — 2025 Convertible Notes 133,164 137,569 — 137,569 — 8.5% unsecured debt due 2024 872 872 — — 872 Due to the short-term nature of cash and cash equivalents, pawn loans, pawn service charges receivable and other debt, we estimate that the carrying value approximates fair value. We consider our cash and cash equivalents to be measured using Level 1 inputs and our pawn loans, pawn service charges receivable and other debt to be measured using Level 3 inputs. Significant increases or decreases in the underlying assumptions used to value pawn loans, pawn service charges receivable, consumer loans, fees and interest receivable and other debt could significantly increase or decrease these fair value estimates. In March 2019, we received $1.1 million in previously escrowed seller funds as a result of settling certain indemnification claims with the seller of GPMX. In April 2019, we loaned the $1.1 million back to the seller of GPMX in exchange for a promissory note. The note bears interest at the rate of 2.89% per annum and is secured by certain marketable securities owned by the seller and held in a U.S. brokerage account. All principal and accrued interest is due and payable in April 2024. The note approximated its carrying value as of June 30, 2021. We use the equity method of accounting to account for our 35.65% ownership in Cash Converters International. These inputs are comprised of (a) the quoted stock price on the Australian Stock Exchange multiplied by (b) the number of shares we owned multiplied by (c) the applicable foreign currency exchange rate as of the end of our reporting period. We included no control premium for owning a large percentage of outstanding shares. We use the equity method of accounting to account for our 13.14% ownership in Rich Data Corporation, a previously consolidated variable interest entity for which we no longer have the power to direct the activities that most significantly affect its economic performance. We believe its fair value approximates carrying value although such fair value is highly variable and includes significant unobservable inputs. We measured the fair value of the 2024 and 2025 Convertible Notes using quoted price inputs. The notes are not actively traded, and thus the price inputs represent a Level 2 measurement. As the quoted price inputs are highly variable from day to day, the fair value estimates disclosed above could significantly increase or decrease. In September 2020, we received the final payment from AlphaCredit on the notes receivable related to the sale of Grupo Finmart and recorded the amount under “Restricted cash” in our consolidated balance sheet as of June 30, 2021. In August 2019, AlphaCredit notified us of an indemnity claim for certain pre-closing taxes, but the nature, extent and validity of such claim has yet to be determined.

Debt

Debt	9 Months Ended
	Jun. 30, 2021
Debt Disclosure [Abstract]
DEBT	NOTE 10: DEBT The following table presents the Company's debt instruments outstanding: June 30, 2021 June 30, 2020 September 30, 2020 (in thousands) Gross Amount Debt Discount and Issuance Costs Carrying Amount Gross Amount Debt Discount and Issuance Costs Carrying Amount Gross Amount Debt Discount and Issuance Costs Carrying Amount 2024 Convertible Notes $ 143,750 $ (21,840) $ 121,910 $ 143,750 $ (28,069) $ 115,681 $ 143,750 $ (26,557) $ 117,193 2025 Convertible Notes 172,500 (33,778) 138,722 172,500 (41,122) 131,378 172,500 (39,336) 133,164 8.5% unsecured debt due 2024* — — — 998 — 998 872 — 872 CASHMAX secured borrowing facility* — — — 295 (466) (171) — — — Total $ 316,250 $ (55,618) $ 260,632 $ 317,543 $ (69,657) $ 247,886 $ 317,122 $ (65,893) $ 251,229 Less current portion — — — 268 — 268 213 — 213 Total long-term debt $ 316,250 $ (55,618) $ 260,632 $ 317,275 $ (69,657) $ 247,618 $ 316,909 $ (65,893) $ 251,016 * Amount translated from Guatemalan quetzals and Canadian dollars as of applicable period end. Certain disclosures omitted due to materiality considerations. The following table presents the Company's contractual maturities related to the debt instruments as of June 30, 2021: Schedule of Contractual Maturities (in thousands) Total Less Than 1 Year 1 - 3 Years 3 - 5 Years More Than 5 Years 2024 Convertible Notes* $ 143,750 $ — $ — $ 143,750 $ — 2025 Convertible Notes* 172,500 — — 172,500 — $ 316,250 $ — $ — $ 316,250 $ — * Excludes the potential impact of embedded derivatives as discussed below. The following table presents the Company's interest expense related to the Convertible Notes for the three and nine months ended June 30, 2021 and 2020: Three Months Ended June 30, Nine Months Ended June 30, (in thousands) 2021 2020 2021 2020 2024 Convertible Notes: Contractual interest expense $ 1,033 $ 1,033 $ 3,100 $ 3,100 Amortization of debt discount and deferred financing costs 1,602 1,484 4,716 4,370 Total interest expense $ 2,635 $ 2,517 $ 7,816 $ 7,470 2025 Convertible Notes: Contractual interest expense $ 1,024 $ 1,024 $ 3,073 $ 3,072 Amortization of debt discount and deferred financing costs 1,886 1,754 5,558 5,168 Total interest expense $ 2,910 $ 2,778 $ 8,631 $ 8,240 2.875% Convertible Senior Notes Due 2024 In July 2017, we issued $143.75 million aggregate principal amount of 2.875% Convertible Senior Notes Due 2024 (the “2024 Convertible Notes”). The 2024 Convertible Notes were issued pursuant to an indenture dated July 5, 2017 (the "2017 Indenture") by and between the Company and Wells Fargo Bank, National Association, as the original trustee. Effective October 1, 2019, Truist (formerly BB&T) assumed the duties and responsibilities as trustee under the 2017 Indenture. The 2024 Convertible Notes were issued in a private offering under Rule 144A under the Securities Act of 1933. The 2024 Convertible Notes pay interest semi-annually in arrears at a rate of 2.875% per annum on January 1 and July 1 of each year, commencing January 1, 2018, and mature on July 1, 2024 (the "2024 Maturity Date"), unless converted, redeemed or repurchased in accordance with the terms prior to such date. At maturity, the holders of the 2024 Convertible Notes will be entitled to receive cash equal to the principal of the 2024 Convertible Notes plus accrued interest. The carrying amount of the 2024 Convertible Notes as a separate equity-classified instrument (the “2024 Convertible Notes Embedded Derivative”) included in “Additional paid-in capital” in our condensed consolidated balance sheets as of June 30, 2021 was $39.8 million, ($25.3 million, net of tax). The effective interest rate for the three and nine months ended June 30, 2021 was approximately 9%. As of June 30, 2021, the remaining unamortized debt discount and issuance costs will be amortized through the 2024 Maturity Date assuming no early conversion. The 2024 Convertible Notes are convertible into cash or shares of Class A Common Stock, or any combination thereof, at our option subject to satisfaction of certain conditions and during the periods described in the 2017 Indenture, based on an initial conversion rate of 100 shares of Class A Common Stock per $1,000 principal amount of 2024 Convertible Notes (equivalent to an initial conversion price of $10.00 per share of Class A Common Stock). We account for the Class A Common Stock issuable upon conversion under the treasury stock method. To the extent the average share price is over $10.00 per share for any fiscal quarter, we are required to recognize incremental dilution of our earnings per share. If, among other triggers described in the 2017 Indenture, the market price of the Class A Common Stock meets the threshold based on at least 20 of the final 30 trading days of the quarter for the 2024 Convertible Notes to become convertible at the option of the holders during the subsequent quarter, we may be required to classify the 2024 Convertible Notes as current on our condensed consolidated balance sheets for each quarter in which such triggers are met. The stock trading price condition and other triggers are measured on a quarter-by-quarter basis and were not met as of June 30, 2021. As of June 30, 2021, the if-converted value of the 2024 Convertible Notes did not exceed the principal amount. 2.375% 2025 Convertible Senior Notes Due 2025 In May 2018, we issued $172.5 million aggregate principal amount of 2.375% Convertible Senior Notes Due 2025 (the “2025 Convertible Notes”). The 2025 Convertible Notes were issued pursuant to an indenture dated May 14, 2018 (the "2018 Indenture") by and between the Company and Wells Fargo Bank, National Association, as the original trustee. Effective October 1, 2019, Truist (formerly BB&T) assumed the duties and responsibilities as trustee under the 2018 Indenture. The 2025 Convertible Notes were issued in a private offering under Rule 144A under the Securities Act of 1933. The 2025 Convertible Notes pay interest semi-annually in arrears at a rate of 2.375% per annum on May 1 and November 1 of each year, commencing November 1, 2018, and mature on May 1, 2025 (the "2025 Maturity Date"), unless converted, redeemed or repurchased in accordance with the terms prior to such date. The carrying amount of the 2025 Convertible Notes as a separate equity-classified instrument (the “2025 Convertible Notes Embedded Derivative”) included in “Additional paid-in capital” in our condensed consolidated balance sheets as of June 30, 2021 was $49.6 million, ($39.1 million, net of tax). The effective interest rate for the three and nine months ended June 30, 2021 was approximately 9%. As of June 30, 2021, the remaining unamortized debt discount and issuance costs will be amortized through the 2025 Maturity Date assuming no early conversion. The 2025 Convertible Notes are convertible into cash or shares of Class A Common Stock, or any combination thereof, at our option subject to satisfaction of certain conditions and during the periods described in the 2018 Indenture, based on an initial conversion rate of 62.8931 shares of Class A Common Stock per $1,000 principal amount of 2025 Convertible Notes (equivalent to an initial conversion price of $15.90 per share of Class A Common Stock). We account for the Class A Common Stock issuable upon conversion under the treasury stock method. To the extent the average share price is over $15.90 per share for any fiscal quarter or year-to-date period, we are required to recognize incremental dilution of our earnings per share. If, among other triggers described in the 2018 Indenture, the market price of the Class A Common Stock meets the threshold based on at least 20 of the final 30 trading days of the quarter for the 2025 Convertible Notes to become convertible at the option of the holders during the subsequent quarter, we may be required to classify the 2025 Convertible Notes as current on our condensed consolidated balance sheets for each quarter in which such triggers are met. The stock trading price condition and other triggers are measured on a quarter-by-quarter basis and were not met as of June 30, 2021. As of June 30, 2021, the if-converted value of the 2025 Convertible Notes did not exceed the principal amount. CASHMA X Secured Borrowing Facility In November 2018, we entered into a receivable's securitization facility with a third-party lender to provide funding for installment loan originations in our Canadian CASHMAX business. We terminated this facility in September 2020 as part of the closure of the operations of our CASHMAX business. See our 2020 Annual Report for additional information regarding the closure of our Canadian operations.

Share-Based Compensation

Share-Based Compensation	9 Months Ended
	Jun. 30, 2021
Share-based Payment Arrangement [Abstract]
SHARE-BASED COMPENSATION	NOTE 11: SHARE-BASED COMPENSATION Common Stock Repurchase Program In December 2019, the Company's Board of Directors (the "Board") authorized the repurchase of up to $60.0 million of our Class A Common Stock over three years. Repurchases under the program were suspended in March 2020 in order to preserve liquidity as a result of uncertainties related to the COVID-19 pandemic. No share repurchases under the program have been made during fiscal 2021. During fiscal 2020, we repurchased and retired 943,149 shares of our Class A Common Stock for $5.2 million, which was allocated between "Additional paid-in capital" and "Retained earnings" in our condensed consolidated balance sheets. Stock Compensation We maintain a Board-approved incentive plan to retain the services of our valued officers, directors and employees and to incentivize such persons to make contributions to our company and motivate excellent performance (the "Incentive Plan"). Under the Incentive Plan, we grant awards of restricted stock or restricted stock units to employees and non-employee directors. Awards granted to employees are typically subject to performance and service conditions. Awards granted to non-employee directors are time-based awards subject only to service conditions. Awards granted under the Incentive Plan are measured at the grant date fair value with compensation costs associated with the awards recognized over the requisite service period, usually the vesting period, on a straight-line basis. In December 2020, we granted 143,145 restricted stock awards to our non-employee directors at a grant date fair value of $5.03. These awards vested in February 2021 (79,525 awards) and March 2021 (63,620 awards). In February 2021, we granted 127,744 restricted stock awards to our non-employee directors at a grant date fair value of $5.01, which awards will vest at the next annual meeting of stockholders, but no later than March 31, 2022. In January 2021, we granted 289,592 restricted stock awards to employees at a grant date fair value of $4.68 and 275,107 restricted stock awards to employees at a grant date fair value of $4.71. These awards vest on September 30, 2021 and September 30, 2022, respectively. In February 2021, we granted 392,419 restricted stock awards to employees at a grant date fair value of $4.96, which vest on September 30, 2023. During the first quarter of fiscal 2020, we granted 222,912 shares of restricted stock awards to non-employee directors based on a share price of $6.46. These awards vested on September 30, 2020.

Income Taxes

Income Taxes	9 Months Ended
	Jun. 30, 2021
Income Tax Disclosure [Abstract]
INCOME TAXES	NOTE 12: INCOME TAXES On March 27, 2020, the Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law and includes certain income tax provisions relevant to businesses. We recognized the effect on the consolidated financial statements in the period ended March 31, 2020. For the period ended June 30, 2021, the CARES Act has not had a material impact on our consolidated financial statements. At this time, we do not expect the impact of the CARES Act to have a material impact on our consolidated financial statements for the year ending September 30, 2021.

Commitments and Contingencies

Commitments and Contingencies	9 Months Ended
	Jun. 30, 2021
Commitments and Contingencies Disclosure [Abstract]
COMMITMENTS AND CONTINGENCIES	NOTE 13: COMMITMENTS AND CONTINGENCIES Currently, and from time to time, we are involved in various claims, disputes, lawsuits, investigations, and legal and regulatory proceedings. We accrue for contingencies if it is probable that a liability has been incurred and the amount of the loss can be reasonably estimated. Because these matters are inherently unpredictable and unfavorable developments or resolutions can occur, assessing contingencies requires judgments and is highly subjective about future events. The amount of resulting loss may differ from these estimates. While we are unable to determine the ultimate outcome of any current litigation or regulatory actions, we do not believe the resolution of any particular matter will have a material adverse effect on our financial condition, results of operations or liquidity.

Segment Information

Segment Information	9 Months Ended
	Jun. 30, 2021
Segment Reporting [Abstract]
SEGMENT INFORMATION	NOTE 14: SEGMENT INFORMATION Our operations are primarily managed on a geographical basis and are comprised of three reportable segments. The factors for determining our reportable segments include the manner in which our chief operating decision maker (CODM) evaluates performance for purposes of allocating resources and assessing performance. During the first quarter of fiscal 2021, the financial information of our Lana business activities were no longer reviewed by the CODM for evaluating performance since Lana no longer has business activities. Rather, Lana offers support activities to U.S. Pawn. As a result, Lana is no longer an operating or reportable segment. Our historical segment results have been recast to conform to current presentation. We currently report our segments as follows: • U.S. Pawn — all pawn activities in the United States; • Latin America Pawn — all pawn activities in Mexico and other parts of Latin America; and • Other International — primarily our equity interest in the net income of Cash Converters International and Rich Data Corporation. There are no inter-segment revenues presented below, and the amounts below were determined in accordance with the same accounting principles used in our condensed consolidated financial statements. The following tables present revenue for each reportable segment, disaggregated revenue within our three reportable segments and Corporate, segment profits and segment contribution. Three Months Ended June 30, 2021 (in thousands) U.S. Pawn Latin America Pawn Other International Total Segments Corporate Items Consolidated Revenues: Merchandise sales $ 84,465 $ 23,343 $ — $ 107,808 $ — $ 107,808 Jewelry scrapping sales 1,908 3,765 — 5,673 — 5,673 Pawn service charges 44,039 16,392 — 60,431 — 60,431 Other revenues 32 — 89 121 — 121 Total revenues 130,444 43,500 89 174,033 — 174,033 Merchandise cost of goods sold 45,310 15,229 — 60,539 — 60,539 Jewelry scrapping cost of goods sold 1,878 3,595 — 5,473 — 5,473 Other cost of revenues — — — — — — Net revenues 83,256 24,676 89 108,021 — 108,021 Segment and corporate expenses (income): Store expenses 62,507 19,296 — 81,803 — 81,803 General and administrative — — — — 14,589 14,589 Depreciation and amortization 2,600 1,806 — 4,406 3,013 7,419 Other charges — 497 — 497 — 497 Interest expense — — — — 5,569 5,569 Interest income — (484) — (484) (28) (512) Equity in net income of unconsolidated affiliates — — (643) (643) — (643) Other (income) expense — (5) 18 13 52 65 Segment contribution $ 18,149 $ 3,566 $ 714 $ 22,429 Income (loss) before income taxes $ 22,429 $ (23,195) $ (766) Three Months Ended June 30, 2020 (in thousands) U.S. Pawn Latin America Pawn Other International Total Segments Corporate Items Consolidated Revenues: Merchandise sales $ 116,258 $ 20,279 $ — $ 136,537 $ 136,537 Jewelry scrapping sales 17,129 3,174 — 20,303 — 20,303 Pawn service charges 41,069 11,391 — 52,460 — 52,460 Other revenues 40 — 884 924 — 924 Total revenues 174,496 34,844 884 210,224 — 210,224 Merchandise cost of goods sold 75,838 16,021 — 91,859 — 91,859 Jewelry scrapping cost of goods sold 12,875 3,283 — 16,158 — 16,158 Other cost of revenues — 32 — 32 — 32 Net revenues 85,783 15,508 884 102,175 — 102,175 Segment and corporate expenses (income): Store expenses 66,243 15,041 1,057 82,341 — 82,341 General and administrative — — — — 16,176 16,176 Depreciation and amortization 2,749 1,647 3 4,399 3,280 7,679 (Gain) loss on sale or disposal of assets and other 234 23 (20) 237 18 255 Interest expense — — 140 140 5,239 5,379 Interest income — (404) — (404) (224) (628) Equity in net income of unconsolidated affiliates — — 1,183 1,183 — 1,183 Other (income) expense — (61) (5) (66) 94 28 Segment contribution (loss) $ 16,557 $ (738) $ (1,474) $ 14,345 Loss before income taxes $ 14,345 $ (24,583) $ (10,238) Nine Months Ended June 30, 2021 (in thousands) U.S. Pawn Latin America Pawn Other International Total Segments Corporate Items Consolidated Revenues: Merchandise sales $ 260,545 $ 70,271 $ — $ 330,816 $ — $ 330,816 Jewelry scrapping sales 9,493 9,014 — 18,507 — 18,507 Pawn service charges 143,836 43,520 — 187,356 — 187,356 Other revenues 83 7 338 428 — 428 Total revenues 413,957 122,812 338 537,107 — 537,107 Merchandise cost of goods sold 145,181 45,691 — 190,872 — 190,872 Jewelry scrapping cost of goods sold 7,871 8,205 — 16,076 — 16,076 Net revenues 260,905 68,916 338 330,159 — 330,159 Segment and corporate expenses (income): Store expenses 188,256 54,005 — 242,261 — 242,261 General and administrative — — — — 40,870 40,870 Depreciation and amortization 7,972 5,459 — 13,431 9,649 23,080 Loss on sale or disposal of assets and other 27 — — 27 63 90 Other charges — 497 — 497 — 497 Interest expense — — — — 16,542 16,542 Interest income — (1,819) — (1,819) (99) (1,918) Equity in net income of unconsolidated affiliates — — (2,409) (2,409) — (2,409) Other (income) expense — (375) (183) (558) 169 (389) Segment contribution $ 64,650 $ 11,149 $ 2,930 $ 78,729 Income (loss) before income taxes $ 78,729 $ (67,194) $ 11,535 Nine Months Ended June 30, 2020 (in thousands) U.S. Pawn Latin America Pawn Other International Total Segments Corporate Items Consolidated Revenues: Merchandise sales $ 314,059 $ 79,036 $ — $ 393,095 $ — $ 393,095 Jewelry scrapping sales 32,905 8,804 — 41,709 — 41,709 Pawn service charges 166,859 50,548 — 217,407 — 217,407 Other revenues 107 50 3,570 3,727 — 3,727 Total revenues 513,930 138,438 3,570 655,938 — 655,938 Merchandise cost of goods sold 202,488 59,223 — 261,711 — 261,711 Jewelry scrapping cost of goods sold 25,430 8,099 — 33,529 — 33,529 Other cost of revenues — 69 1,024 1,093 — 1,093 Net revenues 286,012 71,047 2,546 359,605 — 359,605 Segment and corporate expenses (income): Store expenses 201,921 53,493 3,850 259,264 — 259,264 General and administrative — — — — 50,355 50,355 Impairment of goodwill, intangible and other assets 10,000 35,936 1,124 47,060 — 47,060 Depreciation and amortization 8,325 5,476 60 13,861 9,313 23,174 (Gain) loss on sale or disposal of assets and other 234 (72) (20) 142 1,118 1,260 Interest expense — 430 464 894 15,695 16,589 Interest income — (1,161) — (1,161) (1,251) (2,412) Equity in net loss of unconsolidated affiliates — 5,896 5,896 — 5,896 Other (income) expense — (303) 14 (289) 74 (215) Segment contribution (loss) $ 65,532 $ (22,752) $ (8,842) $ 33,938 Income (loss) before income taxes $ 33,938 $ (75,304) $ (41,366)

Supplemental Consolidated Finan

Supplemental Consolidated Financial Information	9 Months Ended
	Jun. 30, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
SUPPLEMENTAL CONSOLIDATED FINANCIAL INFORMATION	NOTE 15: SUPPLEMENTAL CONSOLIDATED FINANCIAL INFORMATION The following table provides supplemental information on net amounts included in our condensed consolidated balance sheets: (in thousands) June 30, 2021 June 30, 2020 September 30, 2020 Gross pawn service charges receivable $ 31,648 $ 23,674 $ 27,259 Allowance for uncollectible pawn service charges receivable (6,683) (6,242) (6,679) Pawn service charges receivable, net $ 24,965 $ 17,432 $ 20,580 Gross inventory $ 98,761 $ 133,319 $ 108,205 Inventory reserves (6,519) (10,207) (12,314) Inventory, net $ 92,242 $ 123,112 $ 95,891 Prepaid expenses and other $ 7,278 $ 8,980 $ 10,614 Accounts receivable and other 7,111 6,813 6,991 Income taxes receivable 13,954 9,961 15,298 Prepaid expenses and other current assets $ 28,343 $ 25,754 $ 32,903 Property and equipment, gross $ 283,304 $ 265,149 $ 267,509 Accumulated depreciation (227,674) (207,051) (210,523) Property and equipment, net $ 55,630 $ 58,098 $ 56,986 Accounts payable $ 19,325 $ 15,304 $ 19,114 Accrued expenses and other 65,641 43,054 52,390 Accounts payable, accrued expenses and other current liabilities $ 84,966 $ 58,358 $ 71,504

Organization and Summary of S_2

Organization and Summary of Significant Accounting Policies (Policies)	9 Months Ended
	Jun. 30, 2021
Accounting Policies [Abstract]
Basis of Presentation and Principles of Consolidation	Basis of Presentation The accompanying interim unaudited condensed consolidated financial statements (“Condensed Consolidated Financial Statements”) have been prepared in accordance with U.S. generally accepted accounting principles (“U.S. GAAP”) for interim financial information and with the instructions to Form 10-Q and Article 10-01 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. These Condensed Consolidated Financial Statements should be read in conjunction with the audited consolidated financial statements and related notes contained in our Annual Report on Form 10-K for the year ended September 30, 2020 In the opinion of management, the accompanying Condensed Consolidated Financial Statements include all adjustments, consisting of normal recurring adjustments, considered necessary for a fair presentation. Financial results for the three and nine-month periods ended June 30, 2021, are not necessarily indicative of results that may be expected for the fiscal year ending September 30, 2021. Our business is subject to seasonal variations, and operating results for the three and nine months ended June 30, 2021 and 2020 (the "current quarter" and "prior-year quarter," respectively) are not necessarily indicative of the results of operations for the full fiscal year. There have been no changes that have had a material impact in significant accounting policies as described in our Annual Report on Form 10-K for the year ended September 30, 2020 Principles of Consolidation The accompanying Condensed Consolidated Financial Statements include the accounts of EZCORP, Inc. and its wholly owned subsidiaries. We use the equity method of accounting for entities in which we have a 50% or less investment and exercise significant influence. We account for equity investments for which we do not have significant influence and without readily determinable fair values at cost with adjustments for observable changes in price in orderly transactions for identical or similar investments of the same issuer or impairments. All inter-company accounts and transactions have been eliminated in consolidation.
Reclassifications	ReclassificationsWe have reclassified certain amounts in prior-period financial statements to conform to the current period presentation.
Use of Estimates	Use of Estimates
Recently Adopted Accounting Policies and Recently Issued Accounting Pronouncements	Recently Adopted Accounting Policies In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2016-13, Financial Instruments — Credit Losses (Topic 326) (“ASU 2016-13”). ASU 2016-13 modifies the measurement of expected credit losses of certain financial instruments, requiring entities to estimate an expected lifetime credit loss on financial assets. The ASU amends the impairment model to utilize an expected loss methodology and replaces the incurred loss methodology for financial instruments including trade receivables. The amendment requires entities to consider other factors, such as historical loss experience, current conditions and reasonable and supportable forecasts. ASU 2016-13 was effective on October 1, 2020. We adopted ASU 2016-13 effective October 1, 2020 using the modified retrospective approach. There was no net cumulative effect adjustment to retained earnings as of October 1, 2020 as a result of this adoption. This amendment did not have a material impact on our balance sheets or cash flows from operations and did not have a material impact on our operating results. Recently Issued Accounting Pronouncements In August 2020, the FASB issued ASU 2020-06, “Debt—Debt with Conversion and Other Options (Subtopic 470-20) and Derivatives and Hedging—Contracts in Entity’s Own Equity (Subtopic 815-40): Accounting for Convertible Instruments and Contracts in an Entity’s Own Equity” (“ASU 2020-06”), which simplifies accounting for convertible instruments by removing major separation models required under current U.S. GAAP. ASU 2020-06 removes certain settlement conditions that are required for equity contracts to qualify for the derivative scope exception and it also simplifies the diluted earnings per share calculation in certain areas. ASU 2020-06 is effective for the Company for fiscal years beginning after December 15, 2021, including interim periods within those fiscal years. Early adoption is permitted, but no earlier than fiscal years beginning after December 15, 2020 and adoption must be as of the beginning of our annual fiscal year. We are currently evaluating the impact of this standard on our consolidated financial statements and related disclosures.

Acquisitions (Tables)

Acquisitions (Tables)	9 Months Ended
	Jun. 30, 2021
Business Combination and Asset Acquisition [Abstract]
Schedule of Purchase Price Allocation	The estimated fair value of the assets acquired and liabilities assumed are provisional as management is still gathering additional information to complete the purchase accounting. The preliminary allocation of the consideration for the net acquired assets from this business combination were as follows, in thousands: Cash and cash equivalents $ 308 Earning assets 9,462 Lease right-of-use assets 10,826 Property and equipment 4,317 Intangible assets* 3,965 Goodwill 22,957 Other assets 649 Accounts payable, deferred taxes and other liabilities (3,150) Lease liability (10,826) Assumed debt (14,931) Total consideration $ 23,577 *Intangible assets consist of $4.0 million in trade names.
Schedule of Pro forma Information	The following unaudited pro forma summary presents consolidated information for us as if the business combination had occurred on October 1, 2019. The pro forma information is not necessarily indicative of our results of operations had the acquisitions been completed on the above date, nor is it necessarily indicative of our future results. The pro forma information does not reflect any cost savings from operating efficiencies or synergies that could result from the acquisitions, nor does it reflect additional revenue opportunities following the acquisition. The pro forma adjustments reflected in the table below are subject to change as additional analysis is performed. Three Months Ended June 30, Nine Months Ended June 30, (in thousands, except per share amounts) 2021 2020 2021 2020 Revenue $ 180,854 $ 216,083 $ 558,426 $ 681,069 Net (loss) income (2,475) (5,354) 6,775 (42,628) Basic (loss) earnings per common share (0.04) (0.10) 0.12 (0.75) Diluted (loss) earnings per common share (0.04) (0.10) 0.12 (0.75)

Goodwill (Tables)

Goodwill (Tables)	9 Months Ended
	Jun. 30, 2021
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Goodwill	The following table summarizes the changes in the carrying amount of goodwill by segment and in total: Nine Months Ended June 30, 2021 (in thousands) U.S. Pawn Latin America Pawn Consolidated Balances as of September 30, 2020 $ 241,928 $ 15,654 $ 257,582 Acquisitions 2,394 22,957 25,351 Effect of foreign currency translation changes — 686 686 Balances as of June 30, 2021 $ 244,322 $ 39,297 $ 283,619 Nine Months Ended June 30, 2020 (in thousands) U.S. Pawn Latin America Pawn Consolidated Balances as of September 30, 2019 $ 251,752 $ 48,775 $ 300,527 Effect of foreign currency translation changes — (1,888) (1,888) Measurement period adjustments 176 (149) 27 Impairment charge (10,000) (31,340) (41,340) Balances as of June 30, 2020 $ 241,928 $ 15,398 $ 257,326

Other Charges (Tables)

Other Charges (Tables)	9 Months Ended
	Jun. 30, 2021
Restructuring and Related Activities [Abstract]
Schedule of Restructuring Reserve by Type of Cost	(in thousands) Accrued Charges at September 30, 2020 Charges Payments and Adjustments Accrued Charges at March 31, 2021 Charges Payments and Adjustments Accrued Charges at June 30, 2021 Cash charges: Labor reduction costs $ 5,946 $ — $ (3,418) $ 2,528 $ — $ (1,454) $ 1,074 CASHMAX shutdown costs 800 — (800) — — — — Store closure costs 1,806 — (1,806) — 497 — 497 Other 2,166 — (166) 2,000 — — 2,000 $ 10,718 $ — $ (6,190) $ 4,528 $ 497 $ (1,454) $ 3,571

Earnings per Share (Tables)

Earnings per Share (Tables)	9 Months Ended
	Jun. 30, 2021
Earnings Per Share [Abstract]
Schedule of Net Components of Basic and Diluted Earnings Per Share	The following table reconciles the number of common shares used to compute basic and diluted earnings per share attributable to EZCORP Inc., shareholders: Three Months Ended June 30, Nine Months Ended June 30, (in thousands, except per share amounts) 2021 2020 2021 2020 Net (loss) income $ (2,570) $ (5,487) $ 7,059 $ (45,123) Earnings per common share Average common share outstanding (denominator) 55,898 55,068 55,639 55,395 (Loss) earnings per common share $ (0.05) $ (0.10) $ 0.13 $ (0.81) Diluted earnings per common share Average common share outstanding 55,898 55,068 55,639 55,395 Dilutive effect of restricted stock and convertible notes* — — 14 — Diluted average common shares outstanding (denominator) 55,898 55,068 55,653 55,395 Diluted (loss) earnings per common share $ (0.05) $ (0.10) $ 0.13 $ (0.81) Potential common shares excluded from the calculation of diluted earnings per share above: Restricted stock** 1,154 3,042 896 2,677 * Includes time-based share-based awards and Convertible Notes. See Note 10 for discussion of the terms and conditions of the potential impact of the 2024 Convertible Notes and 2025 Convertible Notes. This amount excludes all potential common shares for periods when there is a loss from continuing operations. ** Includes antidilutive share-based awards as well as performance-based share-based awards that are contingently issuable, but for which the condition for issuance has not been met as of the end of the reporting period.

Leases (Tables)

Leases (Tables)	9 Months Ended
	Jun. 30, 2021
Leases [Abstract]
Schedule of Lessee Assets and Liabilities	The table below presents balances of our operating leases: (in thousands) June 30, 2021 June 30, 2020 September 30, 2020 Right-of-use asset $ 185,467 $ 204,591 $ 183,809 Lease liability, current $ 47,241 $ 48,840 $ 49,742 Lease liability, non-current 149,342 167,716 153,040 Total lease liability $ 196,583 $ 216,556 $ 202,782
Schedule of Lease Cost	The table below provides the composition of our lease costs: Three Months Ended June 30, Nine Months Ended June 30, (in thousands) 2021 2020 2021 2020 Operating lease expense $ 15,699 $ 15,624 $ 47,237 $ 47,603 Variable lease expense 3,601 3,025 9,768 8,925 Other (1) (845) — (2,570) — Total lease expense $ 18,455 $ 18,649 $ 54,435 $ 56,528 (1) Includes sublease rental income. Other supplemental information includes the following for our operating leases: Nine Months Ended June 30, 2021 2020 Weighted-average remaining contractual lease term (years) 5.21 5.58 Weighted-average incremental borrowing rate 7.86 % 8.25 %
Schedule of Operating Lease Maturity	Maturities of lease liabilities as of June 30, 2021 were as follows (in thousands): Remaining 2021 $ 14,491 Fiscal 2022 59,908 Fiscal 2023 47,637 Fiscal 2024 35,724 Fiscal 2025 24,970 Thereafter 57,358 Total lease payments $ 240,088 Less: Portion representing interest 43,505 Present value of operating lease liabilities $ 196,583 Less: Current portion 47,241 Non-current portion $ 149,342

Strategic Investments (Tables)

Strategic Investments (Tables)	9 Months Ended
	Jun. 30, 2021
Equity Method Investments and Joint Ventures [Abstract]
Schedule of Equity Method Investments	The following tables present summary financial information for Cash Converters International’s most recently reported results at December 31, 2020 after translation to U.S. dollars: December 31, (in thousands) 2020 2019 Current assets $ 170,412 $ 164,906 Non-current assets 189,810 199,277 Total assets $ 360,222 $ 364,183 Current liabilities $ 59,962 $ 93,958 Non-current liabilities 58,368 60,503 Shareholders’ equity 241,892 209,722 Total liabilities and shareholders’ equity $ 360,222 $ 364,183 Half-Year Ended December 31, (in thousands) 2020 2019 Gross revenues $ 71,153 $ 98,531 Gross profit 51,231 59,250 Net profit (loss) 5,561 (13,280)

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	9 Months Ended
	Jun. 30, 2021
Fair Value Disclosures [Abstract]
Schedule of Financial Assets, Temporary Equity, and Liabilities Not Measured at Fair Value in the Consolidated Balance Sheet	The tables below present our estimates of fair value of financial assets and liabilities that were not measured at fair value on a recurring basis: Carrying Value Estimated Fair Value June 30, 2021 June 30, 2021 Fair Value Measurement Using (in thousands) Level 1 Level 2 Level 3 Financial assets: 2.89% promissory note receivable due April 2024 $ 1,173 $ 1,173 $ — $ — $ 1,173 Investments in unconsolidated affiliates 35,387 43,440 35,970 — 7,470 Financial liabilities: 2024 Convertible Notes $ 121,910 $ 150,219 $ — $ 150,219 $ — 2025 Convertible Notes 138,722 154,129 — 154,129 — Carrying Value Estimated Fair Value June 30, 2020 June 30, 2020 Fair Value Measurement Using (in thousands) Level 1 Level 2 Level 3 Financial assets: Notes receivable from Grupo Finmart, net $ 3,866 $ 3,945 $ — $ — $ 3,945 2.89% promissory note receivable due April 2024 1,140 1,140 — — 1,140 Investments in unconsolidated affiliates 29,483 33,602 25,779 — 7,823 Financial liabilities: 2024 Convertible Notes $ 115,681 $ 130,669 $ — $ 130,669 $ — 2025 Convertible Notes 131,378 125,235 — 125,235 — 8.5% unsecured debt due 2024 998 998 — — 998 CASHMAX secured borrowing facility (171) 295 — — 295 Carrying Value Estimated Fair Value September 30, 2020 September 30, 2020 Fair Value Measurement Using (in thousands) Level 1 Level 2 Level 3 Financial assets: 2.89% promissory note receivable due April 2024 $ 1,148 $ 1,148 $ — $ — $ 1,148 Investments in unconsolidated affiliates 32,458 32,597 24,833 — 7,764 Financial liabilities: 2024 Convertible Notes $ 117,193 $ 129,979 $ — $ 129,979 $ — 2025 Convertible Notes 133,164 137,569 — 137,569 — 8.5% unsecured debt due 2024 872 872 — — 872

Debt (Tables)

Debt (Tables)	9 Months Ended
	Jun. 30, 2021
Debt Disclosure [Abstract]
Schedule of Long Term Debt Instruments	The following table presents the Company's debt instruments outstanding: June 30, 2021 June 30, 2020 September 30, 2020 (in thousands) Gross Amount Debt Discount and Issuance Costs Carrying Amount Gross Amount Debt Discount and Issuance Costs Carrying Amount Gross Amount Debt Discount and Issuance Costs Carrying Amount 2024 Convertible Notes $ 143,750 $ (21,840) $ 121,910 $ 143,750 $ (28,069) $ 115,681 $ 143,750 $ (26,557) $ 117,193 2025 Convertible Notes 172,500 (33,778) 138,722 172,500 (41,122) 131,378 172,500 (39,336) 133,164 8.5% unsecured debt due 2024* — — — 998 — 998 872 — 872 CASHMAX secured borrowing facility* — — — 295 (466) (171) — — — Total $ 316,250 $ (55,618) $ 260,632 $ 317,543 $ (69,657) $ 247,886 $ 317,122 $ (65,893) $ 251,229 Less current portion — — — 268 — 268 213 — 213 Total long-term debt $ 316,250 $ (55,618) $ 260,632 $ 317,275 $ (69,657) $ 247,618 $ 316,909 $ (65,893) $ 251,016 * Amount translated from Guatemalan quetzals and Canadian dollars as of applicable period end. Certain disclosures omitted due to materiality considerations. The following table presents the Company's contractual maturities related to the debt instruments as of June 30, 2021: Schedule of Contractual Maturities (in thousands) Total Less Than 1 Year 1 - 3 Years 3 - 5 Years More Than 5 Years 2024 Convertible Notes* $ 143,750 $ — $ — $ 143,750 $ — 2025 Convertible Notes* 172,500 — — 172,500 — $ 316,250 $ — $ — $ 316,250 $ — * Excludes the potential impact of embedded derivatives as discussed below. The following table presents the Company's interest expense related to the Convertible Notes for the three and nine months ended June 30, 2021 and 2020: Three Months Ended June 30, Nine Months Ended June 30, (in thousands) 2021 2020 2021 2020 2024 Convertible Notes: Contractual interest expense $ 1,033 $ 1,033 $ 3,100 $ 3,100 Amortization of debt discount and deferred financing costs 1,602 1,484 4,716 4,370 Total interest expense $ 2,635 $ 2,517 $ 7,816 $ 7,470 2025 Convertible Notes: Contractual interest expense $ 1,024 $ 1,024 $ 3,073 $ 3,072 Amortization of debt discount and deferred financing costs 1,886 1,754 5,558 5,168 Total interest expense $ 2,910 $ 2,778 $ 8,631 $ 8,240

Segment Information (Tables)

Segment Information (Tables)	9 Months Ended
	Jun. 30, 2021
Segment Reporting [Abstract]
Schedule of Operating Segment Information	The following tables present revenue for each reportable segment, disaggregated revenue within our three reportable segments and Corporate, segment profits and segment contribution. Three Months Ended June 30, 2021 (in thousands) U.S. Pawn Latin America Pawn Other International Total Segments Corporate Items Consolidated Revenues: Merchandise sales $ 84,465 $ 23,343 $ — $ 107,808 $ — $ 107,808 Jewelry scrapping sales 1,908 3,765 — 5,673 — 5,673 Pawn service charges 44,039 16,392 — 60,431 — 60,431 Other revenues 32 — 89 121 — 121 Total revenues 130,444 43,500 89 174,033 — 174,033 Merchandise cost of goods sold 45,310 15,229 — 60,539 — 60,539 Jewelry scrapping cost of goods sold 1,878 3,595 — 5,473 — 5,473 Other cost of revenues — — — — — — Net revenues 83,256 24,676 89 108,021 — 108,021 Segment and corporate expenses (income): Store expenses 62,507 19,296 — 81,803 — 81,803 General and administrative — — — — 14,589 14,589 Depreciation and amortization 2,600 1,806 — 4,406 3,013 7,419 Other charges — 497 — 497 — 497 Interest expense — — — — 5,569 5,569 Interest income — (484) — (484) (28) (512) Equity in net income of unconsolidated affiliates — — (643) (643) — (643) Other (income) expense — (5) 18 13 52 65 Segment contribution $ 18,149 $ 3,566 $ 714 $ 22,429 Income (loss) before income taxes $ 22,429 $ (23,195) $ (766) Three Months Ended June 30, 2020 (in thousands) U.S. Pawn Latin America Pawn Other International Total Segments Corporate Items Consolidated Revenues: Merchandise sales $ 116,258 $ 20,279 $ — $ 136,537 $ 136,537 Jewelry scrapping sales 17,129 3,174 — 20,303 — 20,303 Pawn service charges 41,069 11,391 — 52,460 — 52,460 Other revenues 40 — 884 924 — 924 Total revenues 174,496 34,844 884 210,224 — 210,224 Merchandise cost of goods sold 75,838 16,021 — 91,859 — 91,859 Jewelry scrapping cost of goods sold 12,875 3,283 — 16,158 — 16,158 Other cost of revenues — 32 — 32 — 32 Net revenues 85,783 15,508 884 102,175 — 102,175 Segment and corporate expenses (income): Store expenses 66,243 15,041 1,057 82,341 — 82,341 General and administrative — — — — 16,176 16,176 Depreciation and amortization 2,749 1,647 3 4,399 3,280 7,679 (Gain) loss on sale or disposal of assets and other 234 23 (20) 237 18 255 Interest expense — — 140 140 5,239 5,379 Interest income — (404) — (404) (224) (628) Equity in net income of unconsolidated affiliates — — 1,183 1,183 — 1,183 Other (income) expense — (61) (5) (66) 94 28 Segment contribution (loss) $ 16,557 $ (738) $ (1,474) $ 14,345 Loss before income taxes $ 14,345 $ (24,583) $ (10,238) Nine Months Ended June 30, 2021 (in thousands) U.S. Pawn Latin America Pawn Other International Total Segments Corporate Items Consolidated Revenues: Merchandise sales $ 260,545 $ 70,271 $ — $ 330,816 $ — $ 330,816 Jewelry scrapping sales 9,493 9,014 — 18,507 — 18,507 Pawn service charges 143,836 43,520 — 187,356 — 187,356 Other revenues 83 7 338 428 — 428 Total revenues 413,957 122,812 338 537,107 — 537,107 Merchandise cost of goods sold 145,181 45,691 — 190,872 — 190,872 Jewelry scrapping cost of goods sold 7,871 8,205 — 16,076 — 16,076 Net revenues 260,905 68,916 338 330,159 — 330,159 Segment and corporate expenses (income): Store expenses 188,256 54,005 — 242,261 — 242,261 General and administrative — — — — 40,870 40,870 Depreciation and amortization 7,972 5,459 — 13,431 9,649 23,080 Loss on sale or disposal of assets and other 27 — — 27 63 90 Other charges — 497 — 497 — 497 Interest expense — — — — 16,542 16,542 Interest income — (1,819) — (1,819) (99) (1,918) Equity in net income of unconsolidated affiliates — — (2,409) (2,409) — (2,409) Other (income) expense — (375) (183) (558) 169 (389) Segment contribution $ 64,650 $ 11,149 $ 2,930 $ 78,729 Income (loss) before income taxes $ 78,729 $ (67,194) $ 11,535 Nine Months Ended June 30, 2020 (in thousands) U.S. Pawn Latin America Pawn Other International Total Segments Corporate Items Consolidated Revenues: Merchandise sales $ 314,059 $ 79,036 $ — $ 393,095 $ — $ 393,095 Jewelry scrapping sales 32,905 8,804 — 41,709 — 41,709 Pawn service charges 166,859 50,548 — 217,407 — 217,407 Other revenues 107 50 3,570 3,727 — 3,727 Total revenues 513,930 138,438 3,570 655,938 — 655,938 Merchandise cost of goods sold 202,488 59,223 — 261,711 — 261,711 Jewelry scrapping cost of goods sold 25,430 8,099 — 33,529 — 33,529 Other cost of revenues — 69 1,024 1,093 — 1,093 Net revenues 286,012 71,047 2,546 359,605 — 359,605 Segment and corporate expenses (income): Store expenses 201,921 53,493 3,850 259,264 — 259,264 General and administrative — — — — 50,355 50,355 Impairment of goodwill, intangible and other assets 10,000 35,936 1,124 47,060 — 47,060 Depreciation and amortization 8,325 5,476 60 13,861 9,313 23,174 (Gain) loss on sale or disposal of assets and other 234 (72) (20) 142 1,118 1,260 Interest expense — 430 464 894 15,695 16,589 Interest income — (1,161) — (1,161) (1,251) (2,412) Equity in net loss of unconsolidated affiliates — 5,896 5,896 — 5,896 Other (income) expense — (303) 14 (289) 74 (215) Segment contribution (loss) $ 65,532 $ (22,752) $ (8,842) $ 33,938 Income (loss) before income taxes $ 33,938 $ (75,304) $ (41,366)

Supplemental Consolidated Fin_2

Supplemental Consolidated Financial Information (Tables)	9 Months Ended
	Jun. 30, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Schedule of Information on Accounts Receivable, Net, Inventories, Net, Property and Equipment, Net	The following table provides supplemental information on net amounts included in our condensed consolidated balance sheets: (in thousands) June 30, 2021 June 30, 2020 September 30, 2020 Gross pawn service charges receivable $ 31,648 $ 23,674 $ 27,259 Allowance for uncollectible pawn service charges receivable (6,683) (6,242) (6,679) Pawn service charges receivable, net $ 24,965 $ 17,432 $ 20,580 Gross inventory $ 98,761 $ 133,319 $ 108,205 Inventory reserves (6,519) (10,207) (12,314) Inventory, net $ 92,242 $ 123,112 $ 95,891 Prepaid expenses and other $ 7,278 $ 8,980 $ 10,614 Accounts receivable and other 7,111 6,813 6,991 Income taxes receivable 13,954 9,961 15,298 Prepaid expenses and other current assets $ 28,343 $ 25,754 $ 32,903 Property and equipment, gross $ 283,304 $ 265,149 $ 267,509 Accumulated depreciation (227,674) (207,051) (210,523) Property and equipment, net $ 55,630 $ 58,098 $ 56,986 Accounts payable $ 19,325 $ 15,304 $ 19,114 Accrued expenses and other 65,641 43,054 52,390 Accounts payable, accrued expenses and other current liabilities $ 84,966 $ 58,358 $ 71,504

Acquisitions - Additional Infor

Acquisitions - Additional Information (Details)	Jun. 09, 2021USD ($)storeshares	Jun. 30, 2021USD ($)	May 31, 2021store	Jun. 30, 2021USD ($)	Jun. 30, 2021USD ($)	Jun. 30, 2020USD ($)
Business Acquisition [Line Items]
Number of stores | store	1,143
Value of the company’s Class A Non-Voting common stock					$ 1,547,000	$ 0
Additional contingent payments		$ 4,608,000		$ 4,608,000	4,608,000	$ 0
Goodwill expected to be tax deductible	$ 0
Acquisition related costs				$ 200,000	$ 400,000
Texas Pawn Stores
Business Acquisition [Line Items]
Number of stores acquired | store			11
Latin America
Business Acquisition [Line Items]
Number of stores | store	627
MEXICO
Business Acquisition [Line Items]
Number of stores | store	503
Bajio
Business Acquisition [Line Items]
Percentage of voting interests acquired	100.00%
Initial purchase price	$ 23,600,000
Payments to acquire businesses	17,400,000
Payments to acquire business, paid at closing	11,600,000
Payments to acquire business, accrued and held as restricted cash	$ 5,800,000
Shares of the company’s Class A Non-Voting common stock (in shares) | shares	212,870
Value of the company’s Class A Non-Voting common stock	$ 1,600,000
Additional contingent payments	$ 4,600,000
Additional payment term	2 years
Repayment of debt	$ 14,900,000
Net revenues		1,700,000
Net income		$ 100,000
Bajio | Trade Names
Business Acquisition [Line Items]
Intangible assets	$ 4,000,000
Bajio | MEXICO
Business Acquisition [Line Items]
Number of stores acquired | store	128

Acquisitions - Schedule of Purc

Acquisitions - Schedule of Purchase Price Allocation (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Jun. 09, 2021	Sep. 30, 2020	Jun. 30, 2020	Sep. 30, 2019
Business Acquisition [Line Items]
Goodwill	$ 283,619		$ 257,582	$ 257,326	$ 300,527
Bajio
Business Acquisition [Line Items]
Cash and cash equivalents		$ 308
Earning assets		9,462
Lease right-of-use assets		10,826
Property and equipment		4,317
Intangible assets		3,965
Goodwill		22,957
Other assets		649
Accounts payable, deferred taxes and other liabilities		(3,150)
Lease liability		(10,826)
Assumed debt		(14,931)
Total consideration		$ 23,577

Acquisitions - Schedule of Pro

Acquisitions - Schedule of Pro forma Information (Details) - Bajio - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Business Acquisition [Line Items]
Revenue	$ 180,854	$ 216,083	$ 558,426	$ 681,069
Net (loss) income	$ (2,475)	$ (5,354)	$ 6,775	$ (42,628)
Basic (loss) earnings per common share	$ (0.04)	$ (0.10)	$ 0.12	$ (0.75)
Diluted (loss) earnings per common share	$ (0.04)	$ (0.10)	$ 0.12	$ (0.75)

Expected Credit Losses (Details

Expected Credit Losses (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Sep. 30, 2020	Jun. 30, 2020
Credit Loss [Abstract]
Pawn loans	$ 157,155	$ 131,323	$ 113,290
Pawn service charges receivable, net	$ 24,965	$ 20,580	$ 17,432

Goodwill - Changes in Carrying

Goodwill - Changes in Carrying amount of Goodwill (Details) - USD ($) $ in Thousands	9 Months Ended
	Jun. 30, 2021	Jun. 30, 2020
Goodwill [Roll Forward]
Beginning Balance	$ 257,582	$ 300,527
Acquisitions	25,351
Effect of foreign currency translation changes	686	1,888
Measurement period adjustments		(27)
Impairment charge		(41,340)
Ending Balance	283,619	257,326
U.S. Pawn
Goodwill [Roll Forward]
Beginning Balance	241,928	251,752
Acquisitions	2,394
Effect of foreign currency translation changes	0	0
Measurement period adjustments		(176)
Impairment charge		(10,000)
Ending Balance	244,322	241,928
Latin America Pawn
Goodwill [Roll Forward]
Beginning Balance	15,654	48,775
Acquisitions	22,957
Effect of foreign currency translation changes	686	1,888
Measurement period adjustments		149
Impairment charge		(31,340)
Ending Balance	$ 39,297	$ 15,398

Other Charges - Additional Info

Other Charges - Additional Information (Details) - Cost savings initiative plan - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Sep. 30, 2020	Mar. 31, 2021
Restructuring Cost and Reserve [Line Items]
Restructuring costs		$ 20,400
Restructuring reserve	$ 3,571	10,718	$ 4,528
Restructuring charges	497		0
Store closure costs
Restructuring Cost and Reserve [Line Items]
Restructuring reserve	497	$ 1,806	0
Restructuring charges	$ 497		$ 0

Other Charges - Activity (Detai

Other Charges - Activity (Details) - Cost savings initiative plan - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2021	Mar. 31, 2021
Restructuring Reserve [Roll Forward]
Accrued charges beginning balance	$ 4,528	$ 10,718
Charges	497	0
Payments and Adjustments	(1,454)	(6,190)
Accrued charges ending balance	3,571	4,528
Labor reduction costs
Restructuring Reserve [Roll Forward]
Accrued charges beginning balance	2,528	5,946
Charges	0	0
Payments and Adjustments	(1,454)	(3,418)
Accrued charges ending balance	1,074	2,528
CASHMAX shutdown costs
Restructuring Reserve [Roll Forward]
Accrued charges beginning balance	0	800
Charges	0	0
Payments and Adjustments	0	(800)
Accrued charges ending balance	0	0
Store closure costs
Restructuring Reserve [Roll Forward]
Accrued charges beginning balance	0	1,806
Charges	497	0
Payments and Adjustments	0	(1,806)
Accrued charges ending balance	497	0
Other
Restructuring Reserve [Roll Forward]
Accrued charges beginning balance	2,000	2,166
Charges	0	0
Payments and Adjustments	0	(166)
Accrued charges ending balance	$ 2,000	$ 2,000

Earnings per Share - Basic and

Earnings per Share - Basic and Diluted Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Earnings Per Share [Abstract]
Net (loss) income	$ (2,570)	$ (5,487)	$ 7,059	$ (45,123)
Earnings per common share
Average common share outstanding (denominator) (in shares)	55,898	55,068	55,639	55,395
(Loss) earnings per common share (in dollars per share)	$ (0.05)	$ (0.10)	$ 0.13	$ (0.81)
Diluted earnings per common share
Average common share outstanding (in shares)	55,898	55,068	55,639	55,395
Dilutive effect of restricted stock and convertible notes (in shares)	0	0	14	0
Diluted average common shares outstanding (denominator) (in shares)	55,898	55,068	55,653	55,395
Diluted (loss) earnings per common share (in dollars per share)	$ (0.05)	$ (0.10)	$ 0.13	$ (0.81)
Potential common shares excluded from the calculation of diluted earnings per share above, Restricted stock (in shares)	1,154	3,042	896	2,677

Earnings Per Share - Additional

Earnings Per Share - Additional Information (Details) - shares shares in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Earnings Per Share [Abstract]
Potentially dilutive share based awards (in shares)	1,154	3,042	896	2,677

Leases - Additional Information

Leases - Additional Information (Details) - USD ($) $ in Millions	9 Months Ended
	Jun. 30, 2021	Jun. 30, 2020
Lessee, Lease, Description [Line Items]
Operating lease right of use asset non cash	$ 33.5	$ 33.5
Operating lease liability non cash	$ 10.1	$ 10.1
Minimum
Lessee, Lease, Description [Line Items]
Initial term of lease (in years)	3 years
Maximum
Lessee, Lease, Description [Line Items]
Initial term of lease (in years)	10 years

Leases - Lessee Assets and Liab

Leases - Lessee Assets and Liabilities (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Sep. 30, 2020	Jun. 30, 2020
Leases [Abstract]
Right-of-use asset	$ 185,467	$ 183,809	$ 204,591
Lease liability, current	47,241	49,742	48,840
Lease liability, non-current	149,342	153,040	167,716
Present value of operating lease liabilities	$ 196,583	$ 202,782	$ 216,556

Leases - Lease Cost (Details)

Leases - Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Leases [Abstract]
Operating lease expense	$ 15,699	$ 15,624	$ 47,237	$ 47,603
Variable lease expense	3,601	3,025	9,768	8,925
Other	(845)	0	(2,570)	0
Total lease expense	$ 18,455	$ 18,649	$ 54,435	$ 56,528

Leases - Supplemental Cash Flow

Leases - Supplemental Cash Flow Information (Details)	Jun. 30, 2021	Jun. 30, 2020
Leases [Abstract]
Weighted-average remaining contractual lease term (years)	5 years 2 months 15 days	5 years 6 months 29 days
Weighted-average incremental borrowing rate	7.86%	8.25%

Leases - Operating Lease Maturi

Leases - Operating Lease Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Sep. 30, 2020	Jun. 30, 2020
Leases [Abstract]
Remaining 2021	$ 14,491
Fiscal 2022	59,908
Fiscal 2023	47,637
Fiscal 2024	35,724
Fiscal 2025	24,970
Thereafter	57,358
Total lease payments	240,088
Less: Portion representing interest	43,505
Present value of operating lease liabilities	196,583	$ 202,782	$ 216,556
Less: Current portion	47,241	49,742	48,840
Non-current portion	$ 149,342	$ 153,040	$ 167,716

Strategic Investments - Additio

Strategic Investments - Additional Disclosures (Details) - Cash Converters International Limited - shares	Apr. 14, 2021	Jun. 30, 2021
Schedule of Equity Method Investments [Line Items]
Number of additional shares acquired (in shares)	9,519,277
Number of common shares owned (in shares)	223,702,991
Percentage of common shares owned	35.65%	35.65%

Strategic Investments - Summari

Strategic Investments - Summarized Financial Information (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		9 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Mar. 31, 2020	Mar. 31, 2019	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020	Sep. 30, 2020	Dec. 31, 2019
Summary of financial information for Cash Converters International Limited
Current assets	$ 600,168	$ 598,584			$ 600,168	$ 598,584		$ 593,250
Total assets	1,238,650	1,224,302			1,238,650	1,224,302		1,197,023
Current liabilities	144,091	119,368			144,091	119,368		132,467
Total liabilities and equity	1,238,650	1,224,302			1,238,650	1,224,302		$ 1,197,023
Gross profit	108,021	102,175			330,159	359,605
Net profit (loss)	$ (2,570)	$ (5,487)			$ 7,059	$ (45,123)
Cash Converters International Limited
Summary of financial information for Cash Converters International Limited
Current assets							$ 170,412		$ 164,906
Non-current assets							189,810		199,277
Total assets							360,222		364,183
Current liabilities							59,962		93,958
Non-current liabilities							58,368		60,503
Shareholders’ equity							241,892		209,722
Total liabilities and equity							$ 360,222		$ 364,183
Gross revenues			$ 71,153	$ 98,531
Gross profit			51,231	59,250
Net profit (loss)			$ 5,561	$ (13,280)

Fair Value Measurements - Finan

Fair Value Measurements - Financial Assets and Liabilities (Details) - USD ($) $ in Thousands	1 Months Ended	3 Months Ended	9 Months Ended
	Apr. 30, 2019	Dec. 31, 2020	Jun. 30, 2021	Jun. 30, 2020	Sep. 30, 2020	Apr. 01, 2019
Financial liabilities:
Interest on note receivable	2.89%
Notes receivable from Grupo Finmart, net | Carrying Value
Financial assets:
Notes receivable, fair value				$ 3,866
Notes receivable from Grupo Finmart, net | Estimated Fair Value
Financial assets:
Notes receivable, fair value				3,945
Notes receivable from Grupo Finmart, net | Estimated Fair Value | Level 1
Financial assets:
Notes receivable, fair value				0
Notes receivable from Grupo Finmart, net | Estimated Fair Value | Level 2
Financial assets:
Notes receivable, fair value				0
Notes receivable from Grupo Finmart, net | Estimated Fair Value | Level 3
Financial assets:
Notes receivable, fair value				$ 3,945
2.89% promissory note receivable due April 2024
Financial assets:
Notes receivable, fair value						$ 1,100
Financial liabilities:
Interest on note receivable	2.89%	2.89%	2.89%	2.89%
2.89% promissory note receivable due April 2024 | Carrying Value
Financial assets:
Notes receivable, fair value			$ 1,173	$ 1,140	$ 1,148
2.89% promissory note receivable due April 2024 | Estimated Fair Value
Financial assets:
Notes receivable, fair value			1,173	1,140	1,148
2.89% promissory note receivable due April 2024 | Estimated Fair Value | Level 1
Financial assets:
Notes receivable, fair value			0	0	0
2.89% promissory note receivable due April 2024 | Estimated Fair Value | Level 2
Financial assets:
Notes receivable, fair value			0	0	0
2.89% promissory note receivable due April 2024 | Estimated Fair Value | Level 3
Financial assets:
Notes receivable, fair value			1,173	1,140	1,148
Investments in unconsolidated affiliates | Carrying Value
Financial assets:
Investments in unconsolidated affiliates, fair value			35,387	29,483	32,458
Investments in unconsolidated affiliates | Estimated Fair Value
Financial assets:
Investments in unconsolidated affiliates, fair value			43,440	33,602	32,597
Investments in unconsolidated affiliates | Estimated Fair Value | Level 1
Financial assets:
Investments in unconsolidated affiliates, fair value			35,970	25,779	24,833
Investments in unconsolidated affiliates | Estimated Fair Value | Level 2
Financial assets:
Investments in unconsolidated affiliates, fair value			0	0	0
Investments in unconsolidated affiliates | Estimated Fair Value | Level 3
Financial assets:
Investments in unconsolidated affiliates, fair value			7,470	7,823	7,764
2024 Convertible Notes | Carrying Value
Financial liabilities:
Debt instruments, fair value			121,910	115,681	117,193
2024 Convertible Notes | Estimated Fair Value
Financial liabilities:
Debt instruments, fair value			150,219	130,669	129,979
2024 Convertible Notes | Estimated Fair Value | Level 1
Financial liabilities:
Debt instruments, fair value			0	0	0
2024 Convertible Notes | Estimated Fair Value | Level 2
Financial liabilities:
Debt instruments, fair value			150,219	130,669	129,979
2024 Convertible Notes | Estimated Fair Value | Level 3
Financial liabilities:
Debt instruments, fair value			0	0	0
2025 Convertible Notes | Carrying Value
Financial liabilities:
Debt instruments, fair value			138,722	131,378	133,164
2025 Convertible Notes | Estimated Fair Value
Financial liabilities:
Debt instruments, fair value			154,129	125,235	137,569
2025 Convertible Notes | Estimated Fair Value | Level 1
Financial liabilities:
Debt instruments, fair value			0	0	0
2025 Convertible Notes | Estimated Fair Value | Level 2
Financial liabilities:
Debt instruments, fair value			154,129	125,235	137,569
2025 Convertible Notes | Estimated Fair Value | Level 3
Financial liabilities:
Debt instruments, fair value			$ 0	$ 0	$ 0
8.5% unsecured debt due 2024
Financial liabilities:
Stated interest rate				8.50%	8.50%
8.5% unsecured debt due 2024 | Carrying Value
Financial liabilities:
Debt instruments, fair value				$ 998	$ 872
8.5% unsecured debt due 2024 | Estimated Fair Value
Financial liabilities:
Debt instruments, fair value				998	872
8.5% unsecured debt due 2024 | Estimated Fair Value | Level 1
Financial liabilities:
Debt instruments, fair value				0	0
8.5% unsecured debt due 2024 | Estimated Fair Value | Level 2
Financial liabilities:
Debt instruments, fair value				0	0
8.5% unsecured debt due 2024 | Estimated Fair Value | Level 3
Financial liabilities:
Debt instruments, fair value				998	$ 872
CASHMAX secured borrowing facility | Carrying Value
Financial liabilities:
Debt instruments, fair value				(171)
CASHMAX secured borrowing facility | Estimated Fair Value
Financial liabilities:
Debt instruments, fair value				295
CASHMAX secured borrowing facility | Estimated Fair Value | Level 1
Financial liabilities:
Debt instruments, fair value				0
CASHMAX secured borrowing facility | Estimated Fair Value | Level 2
Financial liabilities:
Debt instruments, fair value				0
CASHMAX secured borrowing facility | Estimated Fair Value | Level 3
Financial liabilities:
Debt instruments, fair value				$ 295

Fair Value Measurements - Addit

Fair Value Measurements - Additional Information (Details) - USD ($) $ in Millions	1 Months Ended		3 Months Ended	9 Months Ended
	Apr. 30, 2019	Mar. 31, 2019	Dec. 31, 2020	Jun. 30, 2021	Jun. 30, 2020	Apr. 14, 2021	Apr. 01, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Amount received in previously escrowed seller funds		$ 1.1
Interest on note receivable	2.89%
Cash Converters International Limited
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity method of accounting ownership percentage				35.65%		35.65%
Rich Data Corp
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity method of accounting ownership percentage				13.14%
2.89% promissory note receivable due April 2024
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Notes receivable, fair value							$ 1.1
Interest on note receivable	2.89%		2.89%	2.89%	2.89%

Debt - Outstanding Obligations

Debt - Outstanding Obligations (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Sep. 30, 2020	Jun. 30, 2020	May 31, 2018	May 14, 2018	Jul. 31, 2017
Gross Amount
Total	$ 316,250	$ 317,122	$ 317,543
Less current portion	0	213	268
Total long-term debt	316,250	316,909	317,275
Debt Discount and Issuance Costs
Total	(55,618)	(65,893)	(69,657)
Less current portion	0	0	0
Total long-term debt	(55,618)	(65,893)	(69,657)
Carrying Amount
Total	260,632	251,229	247,886
Less current portion	0	213	268
Total long-term debt	260,632	251,016	247,618
2024 Convertible Notes
Carrying Amount
Stated interest rate						2.875%
2025 Convertible Notes
Carrying Amount
Stated interest rate				2.375%	2.375%
Senior Notes | 2024 Convertible Notes
Gross Amount
Total	143,750	143,750	143,750
Debt Discount and Issuance Costs
Total	(21,840)	(26,557)	(28,069)
Carrying Amount
Total	121,910	117,193	115,681
Senior Notes | 2025 Convertible Notes
Gross Amount
Total	172,500	172,500	172,500
Debt Discount and Issuance Costs
Total	(33,778)	(39,336)	(41,122)
Carrying Amount
Total	138,722	133,164	131,378
Unsecured Debt | 8.5% unsecured debt due 2024
Gross Amount
Total	0	872	998
Debt Discount and Issuance Costs
Total	0	0	0
Carrying Amount
Total	$ 0	872	998
Stated interest rate	8.50%
Receivables Securitization Facility | CASHMAX secured borrowing facility
Gross Amount
Total	$ 0	0	295
Debt Discount and Issuance Costs
Total	0	0	(466)
Carrying Amount
Total	$ 0	$ 0	$ (171)

Debt - Principal Payments (Deta

Debt - Principal Payments (Details) - USD ($)	Jun. 30, 2021	May 31, 2018	Jul. 31, 2017
Debt Instrument [Line Items]
Total	$ 316,250,000
Less Than 1 Year	0
1 - 3 Years	0
3 - 5 Years	316,250,000
More Than 5 Years	0
2024 Convertible Notes
Debt Instrument [Line Items]
Total			$ 143,750,000
2025 Convertible Notes
Debt Instrument [Line Items]
Total		$ 172,500,000
Senior Notes | 2024 Convertible Notes
Debt Instrument [Line Items]
Total	143,750,000
Less Than 1 Year	0
1 - 3 Years	0
3 - 5 Years	143,750,000
More Than 5 Years	0
Senior Notes | 2025 Convertible Notes
Debt Instrument [Line Items]
Total	172,500,000
Less Than 1 Year	0
1 - 3 Years	0
3 - 5 Years	172,500,000
More Than 5 Years	$ 0

Debt - Interest Expense (Detail

Debt - Interest Expense (Details) - Senior Notes - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
2024 Convertible Notes
Debt Instrument [Line Items]
Contractual interest expense	$ 1,033	$ 1,033	$ 3,100	$ 3,100
Amortization of debt discount and deferred financing costs	1,602	1,484	4,716	4,370
Total interest expense	2,635	2,517	7,816	7,470
2025 Convertible Notes
Debt Instrument [Line Items]
Contractual interest expense	1,024	1,024	3,073	3,072
Amortization of debt discount and deferred financing costs	1,886	1,754	5,558	5,168
Total interest expense	$ 2,910	$ 2,778	$ 8,631	$ 8,240

Debt - Additional Information (

Debt - Additional Information (Details)	May 14, 2018day$ / shares	Jul. 31, 2017USD ($)day$ / shares	Jun. 30, 2021USD ($)	Jun. 30, 2021USD ($)	Sep. 30, 2020USD ($)	Jun. 30, 2020USD ($)	May 31, 2018USD ($)
Debt Instrument [Line Items]
Principal amount			$ 316,250,000	$ 316,250,000
Carrying amount			$ 260,632,000	$ 260,632,000	$ 251,229,000	$ 247,886,000
2024 Convertible Notes
Debt Instrument [Line Items]
Stated interest rate		2.875%
Principal amount		$ 143,750,000
Effective interest rate			9.00%	9.00%
2024 Convertible Notes | Common Stock Class A Non-voting
Debt Instrument [Line Items]
Conversion rate per $1,000 principal amount		0.1
Conversion price, per share (in dollars per share) | $ / shares		$ 10
2024 Convertible Notes | Additional Paid-in Capital
Debt Instrument [Line Items]
Equity component of debt, gross			$ 39,800,000	$ 39,800,000
Carrying amount			25,300,000	25,300,000
2024 Convertible Notes | Senior Notes
Debt Instrument [Line Items]
Principal amount			143,750,000	143,750,000
Carrying amount			121,910,000	121,910,000	117,193,000	115,681,000
2024 Convertible Notes | Debt Conversion, Condition One | Senior Notes
Debt Instrument [Line Items]
Trading days threshold | day		20
Consecutive trading day threshold | day		30
2025 Convertible Notes
Debt Instrument [Line Items]
Stated interest rate	2.375%						2.375%
Principal amount							$ 172,500,000
2025 Convertible Notes | Additional Paid-in Capital
Debt Instrument [Line Items]
Equity component of debt, gross			49,600,000	49,600,000
2025 Convertible Notes | Senior Notes
Debt Instrument [Line Items]
Principal amount			172,500,000	172,500,000
Carrying amount			$ 138,722,000	$ 138,722,000	$ 133,164,000	$ 131,378,000
Effective interest rate			9.00%	9.00%
Conversion rate per $1,000 principal amount	0.0628931
Conversion price, per share (in dollars per share) | $ / shares	$ 15.90
Share price (in dollars per share) | $ / shares	$ 15.90
2025 Convertible Notes | Senior Notes | Additional Paid-in Capital
Debt Instrument [Line Items]
Equity component of debt			$ 39,100,000	$ 39,100,000
2025 Convertible Notes | Debt Conversion, Condition One | Senior Notes
Debt Instrument [Line Items]
Trading days threshold | day	20
Consecutive trading day threshold | day	30

Share-Based Compensation (Detai

Share-Based Compensation (Details) - USD ($)	1 Months Ended					3 Months Ended		9 Months Ended	12 Months Ended
	Mar. 31, 2021	Feb. 28, 2021	Jan. 31, 2021	Dec. 31, 2020	Dec. 31, 2019	Mar. 31, 2020	Dec. 31, 2019	Jun. 30, 2021	Sep. 30, 2020
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock repurchase program, period (in years)					3 years
Common stock repurchased and retired						$ 4,195,000	$ 963,000
Non-employee Directors | Restricted stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)		127,744		143,145			222,912
Granted (in dollars per share)		$ 5.01		$ 5.03
Vested and released (in shares)	63,620	79,525
Share-based payment award, options, grants in period, weighted average grant date fair value (in dollars per share)							$ 6.46
Employee | Restricted stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)		392,419
Share-based payment award, options, grants in period, weighted average grant date fair value (in dollars per share)		$ 4.96
Employee | Restricted stock | Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)			289,592
Granted (in dollars per share)			$ 4.68
Employee | Restricted stock | Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Granted (in shares)			275,107
Granted (in dollars per share)			$ 4.71
Class A Common Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock repurchase program, amount authorized					$ 60,000,000		$ 60,000,000
Common stock repurchased and retired (in shares)								0	943,149
Common stock repurchased and retired									$ 5,200,000

Segment Information (Details)

Segment Information (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Jun. 30, 2021USD ($)	Jun. 30, 2020USD ($)	Jun. 30, 2021USD ($)segment	Jun. 30, 2020USD ($)
Segment Reporting [Abstract]
Number of reportable segments | segment			3
Revenues:
Total revenues	$ 174,033	$ 210,224	$ 537,107	$ 655,938
Net revenues	108,021	102,175	330,159	359,605
Segment and corporate expenses (income):
Store expenses	81,803	82,341	242,261	259,264
General and administrative	14,589	16,176	40,870	50,355
Impairment of goodwill and intangible assets	0	0	0	47,060
Depreciation and amortization	7,419	7,679	23,080	23,174
(Gain) loss on sale or disposal of assets and other	0	(255)	(90)	(1,260)
Other charges	497	0	497	0
Interest expense	5,569	5,379	16,542	16,589
Interest income	(512)	(628)	(1,918)	(2,412)
Equity in net income (loss) of unconsolidated affiliates	(643)	1,183	(2,409)	5,896
Other (income) expense	65	28	(389)	(215)
Income (loss) before income taxes	(766)	(10,238)	11,535	(41,366)
Segments
Revenues:
Total revenues	174,033	210,224	537,107	655,938
Net revenues	108,021	102,175	330,159	359,605
Segment and corporate expenses (income):
Store expenses	81,803	82,341	242,261	259,264
General and administrative	0	0	0	0
Impairment of goodwill and intangible assets				47,060
Depreciation and amortization	4,406	4,399	13,431	13,861
(Gain) loss on sale or disposal of assets and other		(237)	(27)	(142)
Other charges	497		497
Interest expense	0	140	0	894
Interest income	(484)	(404)	(1,819)	(1,161)
Equity in net income (loss) of unconsolidated affiliates	(643)	1,183	(2,409)	5,896
Other (income) expense	13	(66)	(558)	(289)
Income (loss) before income taxes	22,429	14,345	78,729	33,938
Segments | U.S. Pawn
Revenues:
Total revenues	130,444	174,496	413,957	513,930
Net revenues	83,256	85,783	260,905	286,012
Segment and corporate expenses (income):
Store expenses	62,507	66,243	188,256	201,921
General and administrative	0	0	0	0
Impairment of goodwill and intangible assets				10,000
Depreciation and amortization	2,600	2,749	7,972	8,325
(Gain) loss on sale or disposal of assets and other		(234)	(27)	(234)
Other charges	0		0
Interest expense	0	0	0	0
Interest income	0	0	0	0
Equity in net income (loss) of unconsolidated affiliates	0	0	0	0
Other (income) expense	0	0	0	0
Income (loss) before income taxes	18,149	16,557	64,650	65,532
Segments | Latin America Pawn
Revenues:
Total revenues	43,500	34,844	122,812	138,438
Net revenues	24,676	15,508	68,916	71,047
Segment and corporate expenses (income):
Store expenses	19,296	15,041	54,005	53,493
General and administrative	0	0	0	0
Impairment of goodwill and intangible assets				35,936
Depreciation and amortization	1,806	1,647	5,459	5,476
(Gain) loss on sale or disposal of assets and other		(23)	0	72
Other charges	497		497
Interest expense	0	0	0	430
Interest income	(484)	(404)	(1,819)	(1,161)
Equity in net income (loss) of unconsolidated affiliates	0	0	0
Other (income) expense	(5)	(61)	(375)	(303)
Income (loss) before income taxes	3,566	(738)	11,149	(22,752)
Segments | Other International
Revenues:
Total revenues	89	884	338	3,570
Net revenues	89	884	338	2,546
Segment and corporate expenses (income):
Store expenses	0	1,057	0	3,850
General and administrative	0	0	0	0
Impairment of goodwill and intangible assets				1,124
Depreciation and amortization	0	3	0	60
(Gain) loss on sale or disposal of assets and other		20	0	20
Other charges	0		0
Interest expense	0	140	0	464
Interest income	0	0	0	0
Equity in net income (loss) of unconsolidated affiliates	(643)	1,183	(2,409)	5,896
Other (income) expense	18	(5)	(183)	14
Income (loss) before income taxes	714	(1,474)	2,930	(8,842)
Corporate Items
Revenues:
Total revenues	0	0	0	0
Net revenues	0	0	0	0
Segment and corporate expenses (income):
Store expenses	0	0	0	0
General and administrative	14,589	16,176	40,870	50,355
Impairment of goodwill and intangible assets				0
Depreciation and amortization	3,013	3,280	9,649	9,313
(Gain) loss on sale or disposal of assets and other		(18)	(63)	(1,118)
Other charges	0		0
Interest expense	5,569	5,239	16,542	15,695
Interest income	(28)	(224)	(99)	(1,251)
Equity in net income (loss) of unconsolidated affiliates	0	0	0	0
Other (income) expense	52	94	169	74
Income (loss) before income taxes	(23,195)	(24,583)	(67,194)	(75,304)
Merchandise
Revenues:
Total revenues	107,808	136,537	330,816	393,095
Cost of goods sold	60,539	91,859	190,872	261,711
Merchandise | Segments
Revenues:
Total revenues	107,808	136,537	330,816	393,095
Cost of goods sold	60,539	91,859	190,872	261,711
Merchandise | Segments | U.S. Pawn
Revenues:
Total revenues	84,465	116,258	260,545	314,059
Cost of goods sold	45,310	75,838	145,181	202,488
Merchandise | Segments | Latin America Pawn
Revenues:
Total revenues	23,343	20,279	70,271	79,036
Cost of goods sold	15,229	16,021	45,691	59,223
Merchandise | Segments | Other International
Revenues:
Total revenues	0	0	0	0
Cost of goods sold	0	0	0	0
Merchandise | Corporate Items
Revenues:
Total revenues	0		0	0
Cost of goods sold	0	0	0	0
Jewelry scrapping
Revenues:
Total revenues	5,673	20,303	18,507	41,709
Cost of goods sold	5,473	16,158	16,076	33,529
Jewelry scrapping | Segments
Revenues:
Total revenues	5,673	20,303	18,507	41,709
Cost of goods sold	5,473	16,158	16,076	33,529
Jewelry scrapping | Segments | U.S. Pawn
Revenues:
Total revenues	1,908	17,129	9,493	32,905
Cost of goods sold	1,878	12,875	7,871	25,430
Jewelry scrapping | Segments | Latin America Pawn
Revenues:
Total revenues	3,765	3,174	9,014	8,804
Cost of goods sold	3,595	3,283	8,205	8,099
Jewelry scrapping | Segments | Other International
Revenues:
Total revenues	0	0	0	0
Cost of goods sold	0	0	0	0
Jewelry scrapping | Corporate Items
Revenues:
Total revenues	0	0	0	0
Cost of goods sold	0	0	0	0
Pawn service charges
Revenues:
Total revenues	60,431	52,460	187,356	217,407
Pawn service charges | Segments
Revenues:
Total revenues	60,431	52,460	187,356	217,407
Pawn service charges | Segments | U.S. Pawn
Revenues:
Total revenues	44,039	41,069	143,836	166,859
Pawn service charges | Segments | Latin America Pawn
Revenues:
Total revenues	16,392	11,391	43,520	50,548
Pawn service charges | Segments | Other International
Revenues:
Total revenues	0	0	0	0
Pawn service charges | Corporate Items
Revenues:
Total revenues	0	0	0	0
Other
Revenues:
Total revenues	121	924	428	3,727
Cost of goods sold	0	32	0	1,093
Other | Segments
Revenues:
Total revenues	121	924	428	3,727
Cost of goods sold	0	32		1,093
Other | Segments | U.S. Pawn
Revenues:
Total revenues	32	40	83	107
Cost of goods sold	0	0		0
Other | Segments | Latin America Pawn
Revenues:
Total revenues	0	0	7	50
Cost of goods sold	0	32		69
Other | Segments | Other International
Revenues:
Total revenues	89	884	338	3,570
Cost of goods sold	0	0		1,024
Other | Corporate Items
Revenues:
Total revenues	0	0	$ 0	0
Cost of goods sold	$ 0	$ 0		$ 0

Supplemental Consolidated Fin_3

Supplemental Consolidated Financial Information (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Sep. 30, 2020	Jun. 30, 2020
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Gross pawn service charges receivable	$ 31,648	$ 27,259	$ 23,674
Allowance for uncollectible pawn service charges receivable	(6,683)	(6,679)	(6,242)
Pawn service charges receivable, net	24,965	20,580	17,432
Gross inventory	98,761	108,205	133,319
Inventory reserves	(6,519)	(12,314)	(10,207)
Inventory, net	92,242	95,891	123,112
Prepaid expenses and other	7,278	10,614	8,980
Accounts receivable and other	7,111	6,991	6,813
Income taxes receivable	13,954	15,298	9,961
Prepaid expenses and other current assets	28,343	32,903	25,754
Property and equipment, gross	283,304	267,509	265,149
Accumulated depreciation	(227,674)	(210,523)	(207,051)
Property and equipment, net	55,630	56,986	58,098
Accounts payable	19,325	19,114	15,304
Accrued expenses and other	65,641	52,390	43,054
Accounts payable, accrued expenses and other current liabilities	$ 84,966	$ 71,504	$ 58,358