EZCORP (EZPW) 10-Q 4 May 22 2022 Q2 Quarterly report Financial data

Cover Page

Cover Page - shares	6 Months Ended
	Mar. 31, 2022	Apr. 30, 2022
Document Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2022
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	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Amendment Flag	false
Entity Central Index Key	0000876523
Document Fiscal Year Focus	2022
Document Fiscal Period Focus	Q2
Current Fiscal Year End Date	--09-30
Common Stock Class A Non-voting
Document Information [Line Items]
Entity Common Stock, Shares Outstanding		53,685,333
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 ($)	Mar. 31, 2022	Sep. 30, 2021	Mar. 31, 2021
Current assets:
Cash and cash equivalents	$ 254,964,000	$ 253,667,000	$ 335,638,000
Restricted cash	8,713,000	9,957,000	8,006,000
Pawn loans	173,618,000	175,901,000	125,268,000
Pawn service charges receivable, net	28,319,000	29,337,000	20,842,000
Inventory, net	119,890,000	110,989,000	86,214,000
Prepaid expenses and other current assets	27,267,000	31,010,000	30,676,000
Total current assets	612,771,000	610,861,000	606,644,000
Investments in unconsolidated affiliates	42,002,000	37,724,000	34,961,000
Other investments	18,000,000	0	0
Property and equipment, net	50,874,000	53,811,000	51,836,000
Right-of-use asset, net	204,343,000	200,990,000	170,479,000
Goodwill	286,214,000	285,758,000	258,199,000
Intangible assets, net	62,145,000	62,104,000	58,125,000
Notes receivable, net	1,198,000	1,181,000	1,164,000
Deferred tax asset, net	15,908,000	9,746,000	9,693,000
Other assets	6,541,000	4,736,000	5,152,000
Total assets	1,299,996,000	1,266,911,000	1,196,253,000
Current liabilities:
Accounts payable, accrued expenses and other current liabilities	69,695,000	90,268,000	69,019,000
Customer layaway deposits	15,046,000	12,557,000	11,401,000
Lease liability	52,446,000	52,263,000	41,060,000
Total current liabilities	137,187,000	155,088,000	121,480,000
Long-term debt, net	312,168,000	264,186,000	257,143,000
Deferred tax liability, net	179,000	3,684,000	167,000
Lease liability	163,506,000	161,330,000	138,622,000
Other long-term liabilities	11,940,000	10,385,000	9,597,000
Total liabilities	624,980,000	594,673,000	527,009,000
Commitments and Contingencies (Note 10)
Stockholders’ equity:
Additional paid-in capital	341,913,000	403,312,000	399,439,000
Retained earnings	384,246,000	326,781,000	327,798,000
Accumulated other comprehensive loss	(51,710,000)	(58,415,000)	(58,551,000)
Total stockholders' equity	675,016,000	672,238,000	669,244,000
Total liabilities and stockholders' equity	1,299,996,000	1,266,911,000	1,196,253,000
Common Stock Class A Non-voting
Stockholders’ equity:
Common stock	537,000	530,000	528,000
Common Stock Class B Voting
Stockholders’ equity:
Common stock	$ 30,000	$ 30,000	$ 30,000

Condensed Consolidated Balanc_2

Condensed Consolidated Balance Sheets (Parenthetical) - $ / shares	Mar. 31, 2022	Sep. 30, 2021	Mar. 31, 2021
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)	53,685,333	53,086,438	52,873,568
Common stock, shares outstanding (in shares)	53,685,333	53,086,438	52,873,568
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 (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Revenues:
Total revenues	$ 215,982	$ 184,939	$ 436,976	$ 363,074
Net revenues	128,928	113,748	261,039	222,138
Operating expenses:
Store expenses	85,743	81,149	172,514	160,458
General and administrative	12,227	13,771	27,772	26,281
Depreciation and amortization	7,450	8,089	15,024	15,661
(Gain) loss on sale or disposal of assets and other	(697)	112	(692)	90
Total operating expenses	104,723	103,121	214,618	202,490
Operating income	24,205	10,627	46,421	19,648
Interest expense	2,527	5,518	4,958	10,973
Interest income	(255)	(585)	(559)	(1,406)
Equity in net loss (income) of unconsolidated affiliates	1,439	(1,250)	301	(1,766)
Other expense (income)	371	145	251	(454)
Income before income taxes	20,123	6,799	41,470	12,301
Income tax expense	5,236	1,469	10,862	2,672
Net income	$ 14,887	$ 5,330	$ 30,608	$ 9,629
Basic earnings per share (in dollars per share)	$ 0.26	$ 0.10	$ 0.54	$ 0.17
Diluted earnings per share (in dollars per share)	$ 0.20	$ 0.10	$ 0.42	$ 0.17
Weighted-average basic shares outstanding (in shares)	56,561	55,661	56,370	55,509
Weighted-average diluted shares outstanding (in shares)	82,407	55,665	82,270	55,511
Merchandise sales
Revenues:
Total revenues	$ 133,556	$ 115,225	$ 271,276	$ 223,008
Cost of revenues	82,246	65,790	165,357	130,333
Jewelry scrapping sales
Revenues:
Total revenues	5,690	6,075	12,634	12,834
Cost of revenues	4,808	5,401	10,580	10,603
Pawn service charges
Revenues:
Total revenues	76,683	63,436	152,708	126,925
Other revenues, net
Revenues:
Total revenues	$ 53	$ 203	$ 358	307
Cost of revenues				$ 0

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Statement of Comprehensive Income [Abstract]
Net income	$ 14,887	$ 5,330	$ 30,608	$ 9,629
Other comprehensive income:
Foreign currency translation adjustment, net of tax	3,666	(1,760)	6,705	9,517
Comprehensive income	$ 18,553	$ 3,570	$ 37,313	$ 19,146

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Stockholders' Equity - USD ($) shares in Thousands, $ in Thousands	Total	Cumulative Effect, Period of Adoption, Adjustment	Common Stock	Additional Paid-in Capital	Additional Paid-in CapitalCumulative Effect, Period of Adoption, Adjustment	Retained Earnings	Retained EarningsCumulative Effect, Period of Adoption, Adjustment	Accumulated Other Comprehensive Loss
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	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)
Ending Balance (in shares) at Sep. 30, 2021			56,057
Ending Balance at Sep. 30, 2021	$ 672,238	$ (37,406)	$ 560	403,312	$ (64,263)	326,781	$ 26,857	(58,415)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Accounting Standards Update [Extensible Enumeration]	Accounting Standards Update 2020-06
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	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)
Beginning Balance (in shares) at Sep. 30, 2021			56,057
Beginning Balance at Sep. 30, 2021	672,238	(37,406)	$ 560	403,312	(64,263)	326,781	26,857	(58,415)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	1,698			1,698
Release of restricted stock (in shares)			257
Release of restricted stock	3		$ 3
Taxes paid related to net share settlement of equity awards	(792)			(792)
Foreign currency translation gain (loss)	3,039							3,039
Net income	15,721					15,721
Ending Balance (in shares) at Dec. 31, 2021			56,314
Ending Balance at Dec. 31, 2021	654,501		$ 563	339,955		369,359		(55,376)
Beginning Balance (in shares) at Sep. 30, 2021			56,057
Beginning Balance at Sep. 30, 2021	672,238	$ (37,406)	$ 560	403,312	$ (64,263)	326,781	$ 26,857	(58,415)
Ending Balance (in shares) at Mar. 31, 2022			56,656
Ending Balance at Mar. 31, 2022	675,016		$ 567	341,913		384,246		(51,710)
Beginning Balance (in shares) at Dec. 31, 2021			56,314
Beginning Balance at Dec. 31, 2021	654,501		$ 563	339,955		369,359		(55,376)
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Stock compensation	460			460
Transfer of consideration for other investment (in shares)			213
Transfer of consideration for other investment	1,500		$ 2	1,498
Release of restricted stock (in shares)			129
Release of restricted stock	2		$ 2
Foreign currency translation gain (loss)	3,666							3,666
Net income	14,887					14,887
Ending Balance (in shares) at Mar. 31, 2022			56,656
Ending Balance at Mar. 31, 2022	$ 675,016		$ 567	$ 341,913		$ 384,246		$ (51,710)

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Operating activities:
Net income	$ 30,608	$ 9,629
Adjustments to reconcile net income to net cash flows from operating activities:
Depreciation and amortization	15,024	15,661
Amortization of debt discount and deferred financing costs	698	6,754
Amortization of lease right-of-use asset	25,746	23,835
Deferred income taxes	212	(1,119)
Other adjustments	(708)	(250)
Provision for inventory reserve	(1,780)	(5,265)
Stock compensation expense	2,158	1,618
Equity in net loss (income) of unconsolidated affiliates	301	(1,766)
Changes in operating assets and liabilities:
Service charges and fees receivable	687	(106)
Inventory	(2,779)	6,481
Prepaid expenses, other current assets and other assets	88	3,874
Accounts payable, accrued expenses and other liabilities	(50,258)	(43,436)
Customer layaway deposits	2,342	238
Income taxes	6,576	2,573
Dividends from unconsolidated affiliates	1,660	0
Net cash provided by operating activities	30,575	18,721
Investing activities:
Loans made	(329,459)	(269,468)
Loans repaid	199,836	177,888
Recovery of pawn loan principal through sale of forfeited collateral	129,311	109,019
Capital expenditures, net	(10,498)	(8,359)
Issuance of note receivable	(1,000)	0
Investment in unconsolidated affiliates	(3,577)	0
Investment in other investments	(16,500)	0
Net cash (used in) provided by investing activities	(31,887)	9,080
Financing activities:
Taxes paid related to net share settlement of equity awards	(792)	(839)
Payments on assumed debt and other borrowings	0	(871)
Net cash used in financing activities	(792)	(1,710)
Effect of exchange rate changes on cash and cash equivalents and restricted cash	2,157	5,000
Net increase in cash, cash equivalents and restricted cash	53	31,091
Cash, cash equivalents and restricted cash at beginning of period	263,624	312,553
Cash, cash equivalents and restricted cash at end of period	263,677	343,644
Supplemental disclosure of cash flow information
Cash and cash equivalents	254,964	335,638
Restricted cash	8,713	8,006
Total cash and cash equivalents and restricted cash	263,677	343,644
Non-cash investing and financing activities:
Pawn loans forfeited and transferred to inventory	134,562	99,285
Inventory, net	$ 1,500	$ 0

Organization and Summary of Sig

Organization and Summary of Significant Accounting Policies	6 Months Ended
	Mar. 31, 2022
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 ("U.S.") 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 U.S. GAAP 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, In the opinion of management, the accompanying Condensed Consolidated Financial Statements include all adjustments, consisting of normal recurring adjustments, considered necessary for a fair presentation. Financial results for the three and six-month period ended March 31, 2022, are not necessarily indicative of results that may be expected for the fiscal year ending September 30, 2022. Our business is subject to seasonal variations, and operating results for the three and six months ended March 31, 2022 and 2021 (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, 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. 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, as disclosed in our 2021 Annual Report on Form 10-K. The full extent and duration of the COVID-19 impact on the global economy generally, and on our business specifically, is currently unknown. The impact of the pandemic, and the recovery therefrom, continued to adversely affect net revenues and earnings into fiscal 2021. During the latter part of fiscal 2021, we saw pawn transaction activity continue to rebuild, driving pawn loans outstanding ("PLO") balances closer to pre-pandemic levels, which will drive accelerating pawn service charges ("PSC") revenue in the coming quarters given the natural lag between pawn originations and related fees. We continue to assess what type of impact various COVID-19 variants may have to our business net revenues and operating expenses in fiscal year 2022. A prolonged pandemic and recovery may have an adverse effect on our results of operations, financial position and cash flows. Our estimates, judgments and assumptions related to COVID-19 could ultimately differ over time. Recently Adopted Accounting Policies In August 2020, the Financial Accounting Standards Board ("FASB") issued its ASU 2020-06, Debt – Debt with Conversion and Other Options (Subtopic 470-20) and Derivatives and Hedging – Contracts in Entity’s Own Equity (Subtopic 815 – 40) , (“ASU 2020-06”). ASU 2020-06 simplifies the accounting for certain financial instruments with characteristics of liabilities and equity, including convertible instruments and contracts on an entity’s own equity. Additionally, ASU 2020-06 eliminates beneficial conversion feature and cash conversion models resulting in more convertible instruments being accounted for as a single unit. The ASU 2020-06 amendments are effective for fiscal years beginning after December 15, 2021, and interim periods within those fiscal years. Early adoption is permitted, but no earlier than fiscal years beginning after December 15, 2020, including interim periods within those fiscal years. We early adopted this standard on October 1, 2021 under the modified retrospective basis. Impact of the Adoption of ASU 2020-06 On October 1, 2021, we early adopted ASU 2020-06 on a modified retrospective basis. Under ASU 2020-06, we no longer separate the convertible senior notes into liability and equity components. We recognized the cumulative effect of initially applying this new standard as of October 1, 2021. We recognized a cumulative effect of initially applying the ASU as an adjustment to the October 1, 2021 opening balance of retained earnings. The conversion option that was previously accounted for in equity under the cash conversion model was recombined into the convertible debt outstanding, and as a result, additional paid in capital and the related unamortized debt discount on the convertible senior notes were reduced. The removal of the remaining debt discounts recorded for this previous separation has the effect of increasing our net debt balance. The prior period consolidated financial statements have not been retrospectively adjusted and continue to be reported under the accounting standards in effect for those periods. (in thousands) As Reported Adjustments Under ASU 2020-06 Principal $ 316,250 $ — $ 316,250 Unamortized debt discount (48,785) 48,785 — Deferred financing costs, net (3,279) (1,500) (4,779) Net carrying amount 264,186 47,285 311,471 Deferred tax asset 9,746 5,839 15,585 Deferred tax liability 3,684 (4,040) (356) Additional paid-in capital 403,312 (64,263) 339,049 Retained earnings 326,781 26,857 353,638 The impact of adoption on our condensed consolidated statements of operations for the three and six months ended March 31, 2022 was primarily to decrease interest expense by $3.4 million and $6.8 million, respectively. This had the effect of increasing our basic earnings per share for the three and six months ended March 31, 2022 by $0.05 and $0.09, and decreasing our diluted earnings per common share for the three and six months ended March 31, 2022 by $0.01 and $0.03, respectively. Additionally, adoption of the standard requires interest charges on the convertible debt to be added to net income as well as the use of the “if-converted” method to calculate diluted earnings per common share. Refer to Note 4: Earnings Per Share for a discussion of the effect of the convertible notes on diluted earnings per common share. Recently Issued Accounting Pronouncements

Acquisitions

Acquisitions	6 Months Ended
	Mar. 31, 2022
Business Combination and Asset Acquisition [Abstract]
Acquisitions	NOTE 2: ACQUISITIONS On June 8, 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 operate under the name "Cash Apoyo Efectivo" and are located principally in the Mexico City metropolitan area. At the time of acquisition, the total consideration for Bajio was $23.6 million, consisting of $17.4 million of cash, and 212,870 shares of our Class A Non-Voting Common Stock valued at $1.6 million. In addition, the sellers are entitled to additional payments of up to $4.6 million to be paid in two payments over the next two years, contingent on the growth of the loan portfolios of the acquired stores. Up to 50% of any future contingent payments can be made in shares of our Class A Non-Voting Common Stock at our discretion. The value of the contingent consideration was included in the total consideration as the metrics were considered achievable on the date of acquisition. Cash paid at closing was $11.6 million and an additional $3.8 million was paid during the fourth quarter of 2021. During the first quarter of 2022, both parties completed the formal working capital reconciliation stipulated within the purchase agreement. As part of the working capital reconciliation, the Company and the seller agreed to reduce the purchase price, which was held in restricted cash as of September 30, 2021, by $1.3 million. As the working capital adjustment was recorded as of September 30, 2021, this reduction to the purchase price is a measurement period adjustment, and resulted in a $1.3 million reduction to goodwill during the period ended December 31, 2021. This reduced the total consideration for Bajio to $22.3 million. As the future payments decreased, we released $1.3 million of the previously held $2.0 million in restricted cash to our unrestricted cash. Of the remaining $0.7 million in restricted cash, $0.3 million is expected to be paid prior to June 30, 2022, and $0.4 million is expected to be paid on or around the fifth anniversary of the date of acquisition. During the second quarter of 2022, we obtained new information about the seller's calculation of pawn service charges receivable balance as of the date of acquisition, which resulted in a $0.6 million measurement period adjustment to reduce pawn service charges receivable and increase goodwill. 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 purchase price allocation is as follows, in thousands: Cash and cash equivalents $ 308 Pawn loans 4,619 Pawn service charges receivable 691 Inventory 1,319 Property and equipment 2,025 Right-of-use assets 10,651 Goodwill 25,422 Intangible assets 3,965 Deferred tax asset, net 381 Other assets 746 Accounts payable, accrued expenses and other liabilities (2,290) Debt (14,931) Lease liabilities (10,651) Total consideration $ 22,255 Intangible assets acquired consist of indefinite-lived trade names.

Goodwill

Goodwill	6 Months Ended
	Mar. 31, 2022
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill	NOTE 3: GOODWILL The following table summarizes the changes in the carrying amount of goodwill by segment and in total: Six Months Ended March 31, 2022 (in thousands) U.S. Pawn Latin America Pawn Consolidated Balances as of September 30, 2021 $ 244,471 $ 41,287 $ 285,758 Measurement period adjustments — (678) (678) Effect of foreign currency translation changes — 1,134 1,134 Balances as of March 31, 2022 $ 244,471 $ 41,743 $ 286,214 Six Months Ended March 31, 2021 (in thousands) U.S. Pawn Latin America Pawn Consolidated Balances as of September 30, 2020 $ 241,928 $ 15,654 $ 257,582 Effect of foreign currency translation changes — 617 617 Balances as of March 31, 2021 $ 241,928 $ 16,271 $ 258,199

Earnings per Share

Earnings per Share	6 Months Ended
	Mar. 31, 2022
Earnings Per Share [Abstract]
Earnings per Share	NOTE 4: EARNINGS PER SHARE The following table reconciles the number of common shares used to compute basic and diluted earnings per share attributable to EZCORP Inc., shareholders: Three Months Ended March 31, Six Months Ended March 31, (in thousands, except per share amounts) 2022 2021 2022 2021 Basic earnings per common share: Net income - basic $ 14,887 $ 5,330 $ 30,608 $ 9,629 Weighted shares outstanding - basic 56,561 55,661 56,370 55,509 Basic earnings per common share $ 0.26 $ 0.10 $ 0.54 $ 0.17 Diluted earnings per common share: Net income - basic $ 14,887 $ 5,330 $ 30,608 $ 9,629 Add: Convertible Notes interest expense, net of tax 1,846 — 3,730 — Net income - diluted $ 16,733 $ 5,330 $ 34,338 $ 9,629 Weighted shares outstanding - basic 56,561 55,661 56,370 55,509 Effect of dilution from equity-based compensation awards* 622 4 676 2 Effect of dilution from if-converted Convertible Notes** 25,224 — 25,224 — Weighted shares outstanding - diluted 82,407 55,665 82,270 55,511 Diluted earnings per common share $ 0.20 $ 0.10 $ 0.42 $ 0.17 Potential common shares excluded from the calculation of diluted earnings per share above: Restricted stock*** 1,756 964 1,847 831 * Includes time-based share-based awards and performance based awards for which targets for fiscal year tranches have been achieved and vesting is subject only to achievement of service conditions. ** See Note 8: Debt for conversion price and initial conversion rate of the 2024 Convertible Notes and 2025 Convertible Notes. *** Includes antidilutive share-based awards as well as performance-based share-based awards that are contingently issuable, but for which the condition for issuance has not been met as of the end of the reporting period.

Leases

Leases	6 Months Ended
	Mar. 31, 2022
Leases [Abstract]
Leases	NOTE 5: LEASES We determine if a contract contains a lease at inception. Our lease portfolio consists primarily of operating leases for pawn store locations and corporate offices with lease terms ranging from three The information below provides a summary of our leasing activities. See Note 12: Leases in our 2021 Annual Report for additional information about our leasing activities. The table below presents balances of our operating leases: (in thousands) March 31, 2022 March 31, 2021 September 30, 2021 Right-of-use asset $ 204,343 $ 170,479 $ 200,990 Lease liability, current $ 52,446 $ 41,060 $ 52,263 Lease liability, non-current 163,506 138,622 161,330 Total lease liability $ 215,952 $ 179,682 $ 213,593 The table below provides the composition of our lease costs: Three Months Ended March 31, Six Months Ended March 31, (in thousands) 2022 2021 2022 2021 Operating lease expense* $ 16,789 $ 14,616 $ 33,151 $ 29,815 Variable lease expense 3,834 2,064 7,376 4,243 Total lease expense $ 20,623 $ 16,680 $ 40,527 $ 34,058 * Includes a reduction for sublease rental income. Other supplemental information includes the following for our operating leases: Six Months Ended March 31, 2022 2021 Weighted-average remaining contractual lease term (years) 5.00 5.07 Weighted-average incremental borrowing rate 8.27 % 7.88 % Maturities of lease liabilities as of March 31, 2022 were as follows (in thousands): Remaining 2022 $ 34,749 Fiscal 2023 62,161 Fiscal 2024 49,882 Fiscal 2025 39,081 Fiscal 2026 29,380 Thereafter 47,828 Total lease payments $ 263,081 Less: Portion representing interest 47,129 Present value of operating lease liabilities $ 215,952 Less: Current portion 52,446 Non-current portion $ 163,506 We recorded $28.1 million and $6.6 million in non-cash additions to our right of use assets and lease liabilities for the six months ended March 31, 2022 and March 31, 2021, respectively.

Strategic Investments

Strategic Investments	6 Months Ended
	Mar. 31, 2022
Equity Method Investments and Joint Ventures [Abstract]
Strategic Investments	NOTE 6: STRATEGIC INVESTMENTS Cash Converters International Limited On October 1, 2021, we purchased an additional 13 million shares of Cash Converters International Limited ("Cash Converters") for $2.5 million. This purchase increased our total ownership in Cash Converters to 236,702,991 shares, representing a 37.72% ownership interest. Additionally, on October 14, 2021, we received a cash dividend of $1.7 million from Cash Converters. On March 10, 2022, we purchased an additional 5.5 million shares of Cash Converters for $1.0 million. This purchase increased our total ownership in Cash Converters to 242,239,157 shares, representing a 38.60% ownership interest. On April 5, 2022 (subsequent to the end of the quarter), we acquired an additional 13 million shares for $2.5 million, bringing our total ownership to 255,239,157 shares, representing an ownership interest of 40.67%. Additionally, on April 14, 2022, we received a cash dividend of $1.8 million from Cash Converters. See Note 13: Subsequent Events. The following tables present summary financial information for Cash Converters most recently reported results at December 31, 2021 after translation to U.S. dollars: December 31, (in thousands) 2021 2020 Current assets $ 162,558 $ 170,412 Non-current assets 185,780 189,810 Total assets $ 348,338 $ 360,222 Current liabilities $ 59,701 $ 59,962 Non-current liabilities 59,915 58,368 Shareholders’ equity 228,722 241,892 Total liabilities and shareholders’ equity $ 348,338 $ 360,222 Half-Year Ended December 31, (in thousands) 2021 2020 Gross revenues $ 84,185 $ 71,153 Gross profit 55,280 51,231 Net profit (loss) 1 5,561 See Note 7: Fair Value Measurements for the fair value and carrying value of our investment in Cash Converters. Founders One, LLC In October 2021, we invested $15.0 million in exchange for a non-redeemable voting participating preferred equity interest in Founders One, LLC (“Founders”), a newly-formed entity with one other member. Founders used that $15.0 million to acquire an equity interest in Simple Management Group, Inc. (“SMG”), which owns and operates more than 20 pawn stores principally in the Caribbean region, with plans to build and acquire more stores in that region. The investment in Founders is a variable interest entity, but because the Company is not the primary beneficiary, we do not consolidate it. Further, as we are not the appointed manager, we do not have the ability to direct the activities of the investment entity that most significantly impact its economic performance. Consequently, our investment in Founders is accounted for utilizing the measurement alternative within ASC 321, Investments — Equity Securities. Our $15.0 million carrying value of the investment is included in “Other Investments” in our consolidated balance sheets. Our maximum exposure for losses in this investment is its contributed investment of $15.0 million. See Note 7: Fair Value Measurements for the fair value and carrying value of our investment in Founders.

Fair Value Measurements

Fair Value Measurements	6 Months Ended
	Mar. 31, 2022
Fair Value Disclosures [Abstract]
Fair Value Measurements	NOTE 7: FAIR VALUE MEASUREMENTS The fair value of a financial instrument is the amount that could be received upon the sale of an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. The fair value hierarchy prioritizes the quality and reliability of the information used to determine fair values. Categorization within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The fair value hierarchy is defined into the following three categories: • Level 1 — Quoted market prices in active markets for identical assets or liabilities. • Level 2 — Other observable market-based inputs or unobservable inputs that are corroborated by market data. • Level 3 — Unobservable inputs that are not corroborated by market data. We have elected not to measure at fair value any eligible items for which fair value measurement is optional. There were no transfers in or out of Level 1, Level 2 or Level 3 for financial assets or liabilities measured at fair value on a recurring basis during the periods presented. Financial Assets and Liabilities Not Measured at Fair Value The tables below present our estimates of fair value of financial assets and liabilities that were not measured at fair value: Carrying Value Estimated Fair Value March 31, 2022 March 31, 2022 Fair Value Measurement Using (in thousands) Level 1 Level 2 Level 3 Financial assets: 2.89% promissory note receivable due April 2024 $ 1,198 $ 1,198 $ — $ — $ 1,198 Investments in unconsolidated affiliates 42,002 51,502 44,529 — 6,973 Other investments 18,000 18,000 — — 18,000 Financial liabilities: 2024 Convertible Notes $ 142,248 $ 141,594 $ — $ 141,594 $ — 2025 Convertible Notes 169,920 153,525 — 153,525 — Carrying Value Estimated Fair Value March 31, 2021 March 31, 2021 Fair Value Measurement Using (in thousands) Level 1 Level 2 Level 3 Financial assets: 2.89% promissory note receivable due April 2024 $ 1,164 $ 1,164 $ — $ — $ 1,164 Investments in unconsolidated affiliates 34,961 45,581 37,984 — 7,597 Financial liabilities: 2024 Convertible Notes $ 120,307 $ 132,609 $ — $ 132,609 $ — 2025 Convertible Notes 136,836 143,175 — 143,175 — Carrying Value Estimated Fair Value September 30, 2021 September 30, 2021 Fair Value Measurement Using (in thousands) Level 1 Level 2 Level 3 Financial assets: 2.89% promissory note receivable due April 2024 $ 1,181 $ 1,181 $ — $ — $ 1,181 Investments in unconsolidated affiliates 37,724 48,954 41,638 — 7,316 Financial liabilities: 2024 Convertible Notes $ 123,543 $ 153,281 $ — $ 153,281 $ — 2025 Convertible Notes 140,643 155,250 — 155,250 — 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. Included in “Accounts payable, accrued expenses and other current liabilities“ in our Consolidated Balance Sheets as of March 31, 2022 is $4.6 million which represents the fair value of acquisition-related contingent consideration as discussed in Note 2: Acquisitions. The key assumptions used to determine the fair value of acquisition-related contingent consideration are estimated by management, not observable in the market and, therefore considered Level 3 inputs within the fair value hierarchy. 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 fair value of the note approximated its carrying value as of March 31, 2022. We use the equity method of accounting to account for our ownership interest in Cash Converters. The inputs used to generate the fair value of the investment in Cash Converters were considered Level 1 inputs. These inputs consist 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 ("RDC"), 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 approximated carrying value although such fair value is highly variable and includes significant unobservable inputs. Of the $18.0 million included in the table above, $15.0 million is related the investment in Founders. We believe the investment's fair value approximated it's carrying value although such fair value is highly variable and includes significant unobservable inputs . We measured the fair value of the 2024 and 2025 Convertible Notes using quoted price inputs. The notes are not actively traded, and thus the price inputs represent a Level 2 measurement. As the quoted price inputs are highly variable from day to day, the fair value estimates disclosed above could significantly increase or decrease. In September 2020, we received the final payment from AlphaCredit on the notes receivable related to the sale of Grupo Finmart and recorded the amount under “Restricted cash” in our consolidated balance sheet as of March 31, 2022. 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	6 Months Ended
	Mar. 31, 2022
Debt Disclosure [Abstract]
Debt	NOTE 8: DEBT The Company adopted ASU 2020-06 on October 1, 2021. See Note 1: Organization And Summary Of Significant Accounting Policies for further discussion of this recently adopted accounting policy. The following table presents the Company's debt instruments outstanding: March 31, 2022 March 31, 2021 September 30, 2021 (in thousands) Gross Amount Debt 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 $ (1,502) $ 142,248 $ 143,750 $ (23,443) $ 120,307 $ 143,750 $ (20,207) $ 123,543 2025 Convertible Notes 172,500 (2,580) 169,920 172,500 (35,664) 136,836 172,500 (31,857) 140,643 Total long-term debt $ 316,250 $ (4,082) $ 312,168 $ 316,250 $ (59,107) $ 257,143 $ 316,250 $ (52,064) $ 264,186 The following table presents the Company's contractual maturities related to the debt instruments as of March 31, 2022: 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 $ — $ 143,750 $ 172,500 $ — The following table presents the Company's interest expense related to the Convertible Notes for the three and six months ended March 31, 2022 and 2021: Three Months Ended March 31, Six Months Ended March 31, (in thousands) 2022 2021 2022 2021 2024 Convertible Notes: Contractual interest expense $ 1,033 $ 1,033 $ 2,066 $ 2,066 Amortization of deferred financing costs 142 111 309 223 Amortization of debt discount — 1,461 — 2,891 Total interest expense $ 1,175 $ 2,605 $ 2,375 $ 5,180 2025 Convertible Notes: Contractual interest expense $ 1,024 $ 1,024 $ 2,048 $ 2,048 Amortization of deferred financing costs 182 141 389 281 Amortization of debt discount — 1,712 — 3,391 Total interest expense $ 1,206 $ 2,877 $ 2,437 $ 5,720 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 effective interest rate for the three and six months months ended March 31, 2022 was approximately 3.35%. As of March 31, 2022, the remaining unamortized debt issuance costs will be amortized using the effective interest method through the 2024 Maturity Date assuming no early conversion. The 2024 Convertible Notes are convertible based on an initial conversion rate of 100 shares of Class A Common Stock per $1,000 principal amount (equivalent to an initial conversion price of $10.00 per share). The conversion rate will not be adjusted for any accrued and unpaid interest. The 2024 Convertible Notes contain certain make-whole fundamental change premiums and customary anti-dilution adjustments. Upon conversion, we may settle in cash, shares of Class A Common Stock or any combination thereof, at our election. Prior to January 1, 2024, the 2024 Convertible Notes will be convertible only under the following circumstances: (1) during any fiscal quarter commencing after the fiscal quarter ending on September 30, 2017 (and only during such fiscal quarter), if the last reported sale price of our Class A Common Stock for at least 20 trading days (whether or not consecutive) during a period of 30 consecutive trading days ending on the last trading day of the immediately preceding fiscal quarter is greater than or equal to 130% of the conversion price on each applicable trading day; (2) during the five five At our option, we may redeem for cash all or any portion of the 2024 Convertible Notes on or after July 6, 2021, if the last reported sale price of the Class A Common Stock has been at least 130% of the conversion price then in effect for at least 20 trading days (whether or not consecutive), including the trading day immediately preceding the date on which we provide notice of redemption, during any 30 consecutive trading day period ending on, and including, the trading day immediately preceding the date on which we provide notice of redemption. The redemption price will be equal to 100% of the principal amount of the 2024 Convertible Notes to be redeemed, plus accrued and unpaid interest to, but excluding, the redemption date. The stock trading price condition and other triggers are measured on a quarter-by-quarter basis and were not met as of March 31, 2022. As of March 31, 2022, 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 effective interest rate for the three and six months months ended March 31, 2022 was approximately 2.88% for the 2025 Convertible Notes. As of March 31, 2022, the remaining unamortized debt issuance costs will be amortized using the effective interest method through the 2025 Maturity Date assuming no early conversion. The 2025 Convertible Notes are convertible based on an initial conversion rate of 62.8931 shares of Class A Common Stock per $1,000 principal amount (equivalent to an initial conversion price of $15.90 per share). The conversion rate will not be adjusted for any accrued and unpaid interest. The 2025 Convertible Notes contain certain make-whole fundamental change premiums and customary anti-dilution adjustments. Upon conversion, we may settle in cash, shares of Class A Common Stock or any combination thereof, at our election. Prior to November 1, 2024, the 2025 Convertible Notes are convertible only under the following circumstances: (1) during any fiscal quarter commencing after the fiscal quarter ended on June 30, 2018 (and only during such fiscal quarter), if the last reported sale price of our Class A Common Stock for at least 20 trading days (whether or not consecutive) during a period of 30 consecutive trading days ending on the last trading day of the immediately preceding fiscal quarter is greater than or equal to 130% of the conversion price on each applicable trading day; (2) during the five business day period after any five consecutive trading day period (the “measurement period”) in which the trading price, as defined in the 2018 Indenture, per $1,000 principal amount of notes for each trading day of the measurement period was less than 98% of the product of the last reported sale price of our Class A Common Stock and the conversion rate on such trading day; (3) if we call any or all of the 2025 Convertible Notes for redemption, at any time prior to the close of business on the business day immediately preceding the redemption date; or (4) upon the occurrence of specified corporate events, as defined in the 2018 Indenture. On or after November 1, 2024 until the close of business on the business day immediately preceding the 2025 Maturity Date, holders of 2025 Convertible Notes may, at their option, convert their 2025 Convertible Notes at any time, regardless of the foregoing circumstances. We may not redeem the 2025 Convertible Notes prior to May 1, 2022. At our option, we may redeem for cash all or any portion of the 2025 Convertible Notes on or after May 1, 2022, if the last reported sale price of the Class A Common Stock has been at least 130% of the conversion price then in effect for at least 20 trading days (whether or not consecutive), including the trading day immediately preceding the date on which we provide notice of redemption, during any 30 consecutive trading day period ending on, and including, the trading day immediately preceding the date on which we provide notice of redemption. The redemption price will be equal to 100% of the principal amount of the 2025 Convertible Notes to be redeemed, plus accrued and unpaid interest to, but excluding, the redemption date. The stock trading price condition and other triggers are measured on a quarter-by-quarter basis and were not met as of March 31, 2022. As of March 31, 2022, the if-converted value of the 2025 Convertible Notes did not exceed the principal amount.

Common Stock and Stock Compensa

Common Stock and Stock Compensation	6 Months Ended
	Mar. 31, 2022
Share-based Payment Arrangement [Abstract]
Common Stock and Stock Compensation	NOTE 9: COMMON STOCK AND STOCK COMPENSATION Share 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. 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. 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 and no further share repurchases have been made since March of 2020. On May 3, 2022, the Board approved a new share repurchase program, which will replace the previous program that was suspended in March 2020. Note 13: Subsequent Events. 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. The following table presents a summary of stock compensation activity: Shares Weighted Outstanding as of September 30, 2021 2,218,777 $ 4.86 Granted 1,362,750 7.37 Released (a) (486,627) 4.77 Cancelled (711,844) 6.47 Outstanding as of March 31, 2022 2,383,056 $ 6.30 (a) 101,103 shares were withheld to satisfy related income tax withholding.

Contingencies

Contingencies	6 Months Ended
	Mar. 31, 2022
Commitments and Contingencies Disclosure [Abstract]
Contingencies	NOTE 10: CONTINGENCIES Currently, and from time to time, we are involved in various claims, disputes, lawsuits, investigations, and legal and regulatory proceedings, including the matter described below. 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, and the amount of resulting loss may differ from these estimates. Except as noted below, 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. On October 14, 2021, Andrew Kowlessar filed an action in the Circuit Court of the 17th Judicial Circuit in and for Broward County, Florida styled Andrew Kowlessar, individually and on behalf of all others similarly situated vs. EZCORP, Inc. d/b/a Value Pawn & Jewelry (Case No. CACE-21-018864). The matter subsequently was amended and removed to the United States District Court of the Southern District of Florida as Andrew Kowlessar, individually and on behalf of all others similarly situated vs. EZPAWN Florida, Inc. d/b/a Value Pawn & Jewelry (Case No. 0:21-cv-62362-RKA). The amended complaint is brought under Section 501.059, Florida Statutes, the Florida Telephone Solicitation Act (“Act”), and alleges certain text messages were sent in violation of the Act. The matter currently involves claims by a single individual, but alleges a class of persons who may have similar claims of violations of the Act and seeks class certification. The parties are conducting discovery and are scheduled to conduct certain pre-trial mediation discussions. We intend to defend vigorously against all claims, whether asserted individually or as a representative of any class. We have not recorded a liability for this matter as of March 31, 2022. An unfavorable resolution could have a material adverse effect on our results of operations for the period in which such resolution is recorded.

Segment Information

Segment Information	6 Months Ended
	Mar. 31, 2022
Segment Reporting [Abstract]
Segment Information	NOTE 11: 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. 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 Investments — primarily our equity interest in the net results of Cash Converters and RDC along with our investment in Founders. There are no inter-segment revenues presented below, and the amounts below were determined in accordance with the same accounting principles used in our condensed consolidated financial statements. The following tables present revenue for each reportable segment, disaggregated revenue within our three reportable segments and Corporate, segment profits and segment contribution. Three Months Ended March 31, 2022 (in thousands) U.S. Pawn Latin America Pawn Other Investments Total Segments Corporate Items Consolidated Revenues: Merchandise sales $ 100,064 $ 33,492 $ — $ 133,556 $ — $ 133,556 Jewelry scrapping sales 3,480 2,210 — 5,690 — 5,690 Pawn service charges 58,772 17,911 — 76,683 — 76,683 Other revenues 24 — 29 53 — 53 Total revenues 162,340 53,613 29 215,982 — 215,982 Merchandise cost of goods sold 58,613 23,633 — 82,246 — 82,246 Jewelry scrapping cost of goods sold 2,798 2,010 — 4,808 — 4,808 Net revenues 100,929 27,970 29 128,928 — 128,928 Segment and corporate expenses (income): Store expenses 64,492 21,251 — 85,743 — 85,743 General and administrative — — — — 12,227 12,227 Depreciation and amortization 2,625 1,891 — 4,516 2,934 7,450 Gain on sale or disposal of assets and other — (9) — (9) (688) (697) Interest expense — — — — 2,527 2,527 Interest income — (255) — (255) — (255) Equity in net loss of unconsolidated affiliates — — 1,439 1,439 — 1,439 Other expense — 334 8 342 29 371 Segment contribution (loss) $ 33,812 $ 4,758 $ (1,418) $ 37,152 Income (loss) before income taxes $ 37,152 $ (17,029) $ 20,123 Three Months Ended March 31, 2021 (in thousands) U.S. Pawn Latin America Pawn Other Investments Total Segments Corporate Items Consolidated Revenues: Merchandise sales $ 93,827 $ 21,398 $ — $ 115,225 $ — $ 115,225 Jewelry scrapping sales 3,581 2,494 — 6,075 — 6,075 Pawn service charges 49,577 13,859 — 63,436 — 63,436 Other revenues 29 — 174 203 — 203 Total revenues 147,014 37,751 174 184,939 — 184,939 Merchandise cost of goods sold 51,812 13,978 — 65,790 — 65,790 Jewelry scrapping cost of goods sold 3,149 2,252 — 5,401 — 5,401 Net revenues 92,053 21,521 174 113,748 — 113,748 Segment and corporate expenses (income): Store expenses 63,657 17,492 — 81,149 — 81,149 General and administrative — — — — 13,771 13,771 Depreciation and amortization 2,636 1,793 — 4,429 3,660 8,089 Loss on sale or disposal of assets and other — 101 — 101 11 112 Interest expense — — — — 5,518 5,518 Interest income — (571) — (571) (14) (585) Equity in net income of unconsolidated affiliates — — (1,250) (1,250) — (1,250) Other expense — 85 9 94 51 145 Segment contribution $ 25,760 $ 2,621 $ 1,415 $ 29,796 Income (loss) before income taxes $ 29,796 $ (22,997) $ 6,799 Six Months Ended March 31, 2022 (in thousands) U.S. Pawn Latin America Pawn Other Investments Total Segments Corporate Items Consolidated Revenues: Merchandise sales $ 202,142 $ 69,134 $ — $ 271,276 $ — $ 271,276 Jewelry scrapping sales 8,460 4,174 — 12,634 — 12,634 Pawn service charges 115,329 37,379 — 152,708 — 152,708 Other revenues 46 240 72 358 — 358 Total revenues 325,977 110,927 72 436,976 — 436,976 Merchandise cost of goods sold 116,445 48,912 — 165,357 — 165,357 Jewelry scrapping cost of goods sold 6,773 3,807 — 10,580 — 10,580 Net revenues 202,759 58,208 72 261,039 — 261,039 Segment and corporate expenses (income): Store expenses 129,181 43,333 — 172,514 — 172,514 General and administrative — — — — 27,772 27,772 Depreciation and amortization 5,295 3,871 — 9,166 5,858 15,024 Gain on sale or disposal of assets and other — (4) — (4) (688) (692) Interest expense — — — — 4,958 4,958 Interest income — (437) — (437) (122) (559) Equity in net loss of unconsolidated affiliates — — 301 301 — 301 Other expense (income) — 200 (4) 196 55 251 Segment contribution (loss) $ 68,283 $ 11,245 $ (225) $ 79,303 Income (loss) before income taxes $ 79,303 $ (37,833) $ 41,470 Six Months Ended March 31, 2021 (in thousands) U.S. Pawn Latin America Pawn Other Investments Total Segments Corporate Items Consolidated Revenues: Merchandise sales $ 176,080 $ 46,928 $ — $ 223,008 $ — $ 223,008 Jewelry scrapping sales 7,585 5,249 — 12,834 — 12,834 Pawn service charges 99,797 27,128 — 126,925 — 126,925 Other revenues 51 7 249 307 — 307 Total revenues 283,513 79,312 249 363,074 — 363,074 Merchandise cost of goods sold 99,871 30,462 — 130,333 — 130,333 Jewelry scrapping cost of goods sold 5,993 4,610 — 10,603 — 10,603 Other cost of revenues — — — — — Net revenues 177,649 44,240 249 222,138 — 222,138 Segment and corporate expenses (income): Store expenses 125,749 34,709 — 160,458 — 160,458 General and administrative — — — — 26,281 26,281 Depreciation and amortization 5,372 3,653 — 9,025 6,636 15,661 Loss on sale or disposal of assets and other 27 — — 27 63 90 Interest expense — — — — 10,973 10,973 Interest income — (1,335) — (1,335) (71) (1,406) Equity in net income of unconsolidated affiliates — — (1,766) (1,766) — (1,766) Other (income) expense — (370) (201) (571) 117 (454) Segment contribution $ 46,501 $ 7,583 $ 2,216 $ 56,300 Income (loss) before income taxes $ 56,300 $ (43,999) $ 12,301 The following table presents separately identified net earning assets by segment: (in thousands) U.S. Pawn Latin America Pawn Other Corporate Items Total As of March 31, 2022 Pawn loans $ 133,515 $ 40,103 $ — $ — $ 173,618 Inventory, net 93,320 26,570 — — 119,890 As of March 31, 2021 Pawn loans $ 95,369 $ 29,899 $ — $ — 125,268 Inventory, net 69,782 16,432 — — 86,214

Supplemental Consolidated Finan

Supplemental Consolidated Financial Information	6 Months Ended
	Mar. 31, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Supplemental Consolidated Financial Information	NOTE 12: SUPPLEMENTAL CONSOLIDATED FINANCIAL INFORMATION The following table provides supplemental information on net amounts included in our condensed consolidated balance sheets: (in thousands) March 31, 2022 March 31, 2021 September 30, 2021 Gross pawn service charges receivable $ 35,886 $ 26,607 $ 37,360 Allowance for uncollectible pawn service charges receivable (7,567) (5,765) (8,023) Pawn service charges receivable, net $ 28,319 $ 20,842 $ 29,337 Gross inventory $ 123,944 $ 93,470 $ 115,300 Inventory reserves (4,054) (7,256) (4,311) Inventory, net $ 119,890 $ 86,214 $ 110,989 Prepaid expenses and other $ 10,245 $ 7,881 $ 5,386 Accounts receivable and other 8,255 8,442 9,322 Income taxes receivable 8,767 14,353 16,302 Prepaid expenses and other current assets $ 27,267 $ 30,676 $ 31,010 Property and equipment, gross $ 293,087 $ 273,513 $ 284,867 Accumulated depreciation (242,213) (221,677) (231,056) Property and equipment, net $ 50,874 $ 51,836 $ 53,811 Accounts payable $ 17,756 $ 17,957 $ 22,462 Accrued payroll 8,631 8,867 9,093 Incentive accrual 8,196 6,682 16,868 Other payroll related expenses 7,877 12,187 10,695 Accrued sales and VAT taxes 8,022 9,064 10,936 Accrued income taxes payable 4,346 2,271 3,826 Other current liabilities 14,867 11,991 16,388 Accounts payable, accrued expenses and other current liabilities $ 69,695 $ 69,019 $ 90,268

Subsequent Events

Subsequent Events	6 Months Ended
	Mar. 31, 2022
Subsequent Events [Abstract]
SUBSEQUENT EVENTS	NOTE 13: SUBSEQUENT EVENTS Share Repurchase Program On May 3, 2022, the Board of Directors approved a new share repurchase program, which will replace the previous program that was suspended in March 2020 at the onset of the COVID-19 pandemic. See Note 9: Share-Based Compensation — Common Stock Repurchase Program. Under the new program, the Company is authorized to repurchase up to $50 million of our Class A Non-Voting common shares over the next three years. Execution of the program will be responsive to fluctuating market conditions and valuations, liquidity needs and the expected return on investment compared to other opportunities. The amount and timing of purchases will be dependent on a variety of factors, including stock price, trading volume, general market conditions, legal and regulatory requirements, general business conditions, the level of cash flows, and corporate considerations determined by management and the Board, such as liquidity and capital needs and the availability of attractive alternative investment opportunities. The Board of Directors has reserved the right to modify, suspend or terminate the program at any time. Purchase Additional Shares of Cash Converters On April 5, 2022, we purchased an additional 13 million shares of Cash Converters for $2.5 million. This purchase increased our total ownership in Cash Converters to 255,239,157 shares, representing an ownership interest of 40.67%. Additionally, in April 2022, we received a cash dividend of $1.8 million from Cash Converters.

Organization and Summary of S_2

Organization and Summary of Significant Accounting Policies (Policies)	6 Months Ended
	Mar. 31, 2022
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 U.S. GAAP 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, In the opinion of management, the accompanying Condensed Consolidated Financial Statements include all adjustments, consisting of normal recurring adjustments, considered necessary for a fair presentation. Financial results for the three and six-month period ended March 31, 2022, are not necessarily indicative of results that may be expected for the fiscal year ending September 30, 2022. Our business is subject to seasonal variations, and operating results for the three and six months ended March 31, 2022 and 2021 (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, Principles of Consolidation
Use of Estimates	Use of Estimates
Recently Adopted Accounting Policies and Recently Issued Accounting Pronouncements	Recently Adopted Accounting Policies In August 2020, the Financial Accounting Standards Board ("FASB") issued its ASU 2020-06, Debt – Debt with Conversion and Other Options (Subtopic 470-20) and Derivatives and Hedging – Contracts in Entity’s Own Equity (Subtopic 815 – 40) , (“ASU 2020-06”). ASU 2020-06 simplifies the accounting for certain financial instruments with characteristics of liabilities and equity, including convertible instruments and contracts on an entity’s own equity. Additionally, ASU 2020-06 eliminates beneficial conversion feature and cash conversion models resulting in more convertible instruments being accounted for as a single unit. The ASU 2020-06 amendments are effective for fiscal years beginning after December 15, 2021, and interim periods within those fiscal years. Early adoption is permitted, but no earlier than fiscal years beginning after December 15, 2020, including interim periods within those fiscal years. We early adopted this standard on October 1, 2021 under the modified retrospective basis. Impact of the Adoption of ASU 2020-06 On October 1, 2021, we early adopted ASU 2020-06 on a modified retrospective basis. Under ASU 2020-06, we no longer separate the convertible senior notes into liability and equity components. We recognized the cumulative effect of initially applying this new standard as of October 1, 2021. We recognized a cumulative effect of initially applying the ASU as an adjustment to the October 1, 2021 opening balance of retained earnings. The conversion option that was previously accounted for in equity under the cash conversion model was recombined into the convertible debt outstanding, and as a result, additional paid in capital and the related unamortized debt discount on the convertible senior notes were reduced. The removal of the remaining debt discounts recorded for this previous separation has the effect of increasing our net debt balance. The prior period consolidated financial statements have not been retrospectively adjusted and continue to be reported under the accounting standards in effect for those periods. (in thousands) As Reported Adjustments Under ASU 2020-06 Principal $ 316,250 $ — $ 316,250 Unamortized debt discount (48,785) 48,785 — Deferred financing costs, net (3,279) (1,500) (4,779) Net carrying amount 264,186 47,285 311,471 Deferred tax asset 9,746 5,839 15,585 Deferred tax liability 3,684 (4,040) (356) Additional paid-in capital 403,312 (64,263) 339,049 Retained earnings 326,781 26,857 353,638 The impact of adoption on our condensed consolidated statements of operations for the three and six months ended March 31, 2022 was primarily to decrease interest expense by $3.4 million and $6.8 million, respectively. This had the effect of increasing our basic earnings per share for the three and six months ended March 31, 2022 by $0.05 and $0.09, and decreasing our diluted earnings per common share for the three and six months ended March 31, 2022 by $0.01 and $0.03, respectively. Additionally, adoption of the standard requires interest charges on the convertible debt to be added to net income as well as the use of the “if-converted” method to calculate diluted earnings per common share. Refer to Note 4: Earnings Per Share for a discussion of the effect of the convertible notes on diluted earnings per common share. Recently Issued Accounting Pronouncements

Organization and Summary of S_3

Organization and Summary of Significant Accounting Policies (Tables)	6 Months Ended
	Mar. 31, 2022
Accounting Policies [Abstract]
Schedule of Accounting Standards Update and Change in Accounting Principle	We recognized the cumulative effect of initially applying this new standard as of October 1, 2021. We recognized a cumulative effect of initially applying the ASU as an adjustment to the October 1, 2021 opening balance of retained earnings. The conversion option that was previously accounted for in equity under the cash conversion model was recombined into the convertible debt outstanding, and as a result, additional paid in capital and the related unamortized debt discount on the convertible senior notes were reduced. The removal of the remaining debt discounts recorded for this previous separation has the effect of increasing our net debt balance. The prior period consolidated financial statements have not been retrospectively adjusted and continue to be reported under the accounting standards in effect for those periods. (in thousands) As Reported Adjustments Under ASU 2020-06 Principal $ 316,250 $ — $ 316,250 Unamortized debt discount (48,785) 48,785 — Deferred financing costs, net (3,279) (1,500) (4,779) Net carrying amount 264,186 47,285 311,471 Deferred tax asset 9,746 5,839 15,585 Deferred tax liability 3,684 (4,040) (356) Additional paid-in capital 403,312 (64,263) 339,049 Retained earnings 326,781 26,857 353,638

Acquisitions (Tables)

Acquisitions (Tables)	6 Months Ended
	Mar. 31, 2022
Business Combination and Asset Acquisition [Abstract]
Schedule of Purchase Price Allocation	The purchase price allocation is as follows, in thousands: Cash and cash equivalents $ 308 Pawn loans 4,619 Pawn service charges receivable 691 Inventory 1,319 Property and equipment 2,025 Right-of-use assets 10,651 Goodwill 25,422 Intangible assets 3,965 Deferred tax asset, net 381 Other assets 746 Accounts payable, accrued expenses and other liabilities (2,290) Debt (14,931) Lease liabilities (10,651) Total consideration $ 22,255

Goodwill (Tables)

Goodwill (Tables)	6 Months Ended
	Mar. 31, 2022
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: Six Months Ended March 31, 2022 (in thousands) U.S. Pawn Latin America Pawn Consolidated Balances as of September 30, 2021 $ 244,471 $ 41,287 $ 285,758 Measurement period adjustments — (678) (678) Effect of foreign currency translation changes — 1,134 1,134 Balances as of March 31, 2022 $ 244,471 $ 41,743 $ 286,214 Six Months Ended March 31, 2021 (in thousands) U.S. Pawn Latin America Pawn Consolidated Balances as of September 30, 2020 $ 241,928 $ 15,654 $ 257,582 Effect of foreign currency translation changes — 617 617 Balances as of March 31, 2021 $ 241,928 $ 16,271 $ 258,199

Earnings per Share (Tables)

Earnings per Share (Tables)	6 Months Ended
	Mar. 31, 2022
Earnings Per Share [Abstract]
Schedule of Net Components of Basic and Diluted Earnings Per Share	The following table reconciles the number of common shares used to compute basic and diluted earnings per share attributable to EZCORP Inc., shareholders: Three Months Ended March 31, Six Months Ended March 31, (in thousands, except per share amounts) 2022 2021 2022 2021 Basic earnings per common share: Net income - basic $ 14,887 $ 5,330 $ 30,608 $ 9,629 Weighted shares outstanding - basic 56,561 55,661 56,370 55,509 Basic earnings per common share $ 0.26 $ 0.10 $ 0.54 $ 0.17 Diluted earnings per common share: Net income - basic $ 14,887 $ 5,330 $ 30,608 $ 9,629 Add: Convertible Notes interest expense, net of tax 1,846 — 3,730 — Net income - diluted $ 16,733 $ 5,330 $ 34,338 $ 9,629 Weighted shares outstanding - basic 56,561 55,661 56,370 55,509 Effect of dilution from equity-based compensation awards* 622 4 676 2 Effect of dilution from if-converted Convertible Notes** 25,224 — 25,224 — Weighted shares outstanding - diluted 82,407 55,665 82,270 55,511 Diluted earnings per common share $ 0.20 $ 0.10 $ 0.42 $ 0.17 Potential common shares excluded from the calculation of diluted earnings per share above: Restricted stock*** 1,756 964 1,847 831 * Includes time-based share-based awards and performance based awards for which targets for fiscal year tranches have been achieved and vesting is subject only to achievement of service conditions. ** See Note 8: Debt for conversion price and initial conversion rate of the 2024 Convertible Notes and 2025 Convertible Notes. *** Includes antidilutive share-based awards as well as performance-based share-based awards that are contingently issuable, but for which the condition for issuance has not been met as of the end of the reporting period.

Leases (Tables)

Leases (Tables)	6 Months Ended
	Mar. 31, 2022
Leases [Abstract]
Schedule of Lessee Assets and Liabilities	The table below presents balances of our operating leases: (in thousands) March 31, 2022 March 31, 2021 September 30, 2021 Right-of-use asset $ 204,343 $ 170,479 $ 200,990 Lease liability, current $ 52,446 $ 41,060 $ 52,263 Lease liability, non-current 163,506 138,622 161,330 Total lease liability $ 215,952 $ 179,682 $ 213,593
Schedule of Lease Cost	The table below provides the composition of our lease costs: Three Months Ended March 31, Six Months Ended March 31, (in thousands) 2022 2021 2022 2021 Operating lease expense* $ 16,789 $ 14,616 $ 33,151 $ 29,815 Variable lease expense 3,834 2,064 7,376 4,243 Total lease expense $ 20,623 $ 16,680 $ 40,527 $ 34,058 * Includes a reduction for sublease rental income. Other supplemental information includes the following for our operating leases: Six Months Ended March 31, 2022 2021 Weighted-average remaining contractual lease term (years) 5.00 5.07 Weighted-average incremental borrowing rate 8.27 % 7.88 %
Schedule of Operating Lease Maturity	Maturities of lease liabilities as of March 31, 2022 were as follows (in thousands): Remaining 2022 $ 34,749 Fiscal 2023 62,161 Fiscal 2024 49,882 Fiscal 2025 39,081 Fiscal 2026 29,380 Thereafter 47,828 Total lease payments $ 263,081 Less: Portion representing interest 47,129 Present value of operating lease liabilities $ 215,952 Less: Current portion 52,446 Non-current portion $ 163,506

Strategic Investments (Tables)

Strategic Investments (Tables)	6 Months Ended
	Mar. 31, 2022
Equity Method Investments and Joint Ventures [Abstract]
Schedule of Equity Method Investments	The following tables present summary financial information for Cash Converters most recently reported results at December 31, 2021 after translation to U.S. dollars: December 31, (in thousands) 2021 2020 Current assets $ 162,558 $ 170,412 Non-current assets 185,780 189,810 Total assets $ 348,338 $ 360,222 Current liabilities $ 59,701 $ 59,962 Non-current liabilities 59,915 58,368 Shareholders’ equity 228,722 241,892 Total liabilities and shareholders’ equity $ 348,338 $ 360,222 Half-Year Ended December 31, (in thousands) 2021 2020 Gross revenues $ 84,185 $ 71,153 Gross profit 55,280 51,231 Net profit (loss) 1 5,561

Fair Value Measurements (Tables

Fair Value Measurements (Tables)	6 Months Ended
	Mar. 31, 2022
Fair Value Disclosures [Abstract]
Schedule of Financial Assets, Temporary Equity, and Liabilities Not Measured at Fair Value in the Consolidated Balance Sheet	The tables below present our estimates of fair value of financial assets and liabilities that were not measured at fair value: Carrying Value Estimated Fair Value March 31, 2022 March 31, 2022 Fair Value Measurement Using (in thousands) Level 1 Level 2 Level 3 Financial assets: 2.89% promissory note receivable due April 2024 $ 1,198 $ 1,198 $ — $ — $ 1,198 Investments in unconsolidated affiliates 42,002 51,502 44,529 — 6,973 Other investments 18,000 18,000 — — 18,000 Financial liabilities: 2024 Convertible Notes $ 142,248 $ 141,594 $ — $ 141,594 $ — 2025 Convertible Notes 169,920 153,525 — 153,525 — Carrying Value Estimated Fair Value March 31, 2021 March 31, 2021 Fair Value Measurement Using (in thousands) Level 1 Level 2 Level 3 Financial assets: 2.89% promissory note receivable due April 2024 $ 1,164 $ 1,164 $ — $ — $ 1,164 Investments in unconsolidated affiliates 34,961 45,581 37,984 — 7,597 Financial liabilities: 2024 Convertible Notes $ 120,307 $ 132,609 $ — $ 132,609 $ — 2025 Convertible Notes 136,836 143,175 — 143,175 — Carrying Value Estimated Fair Value September 30, 2021 September 30, 2021 Fair Value Measurement Using (in thousands) Level 1 Level 2 Level 3 Financial assets: 2.89% promissory note receivable due April 2024 $ 1,181 $ 1,181 $ — $ — $ 1,181 Investments in unconsolidated affiliates 37,724 48,954 41,638 — 7,316 Financial liabilities: 2024 Convertible Notes $ 123,543 $ 153,281 $ — $ 153,281 $ — 2025 Convertible Notes 140,643 155,250 — 155,250 —

Debt (Tables)

Debt (Tables)	6 Months Ended
	Mar. 31, 2022
Debt Disclosure [Abstract]
Schedule of Long Term Debt Instruments	The Company adopted ASU 2020-06 on October 1, 2021. See Note 1: Organization And Summary Of Significant Accounting Policies for further discussion of this recently adopted accounting policy. The following table presents the Company's debt instruments outstanding: March 31, 2022 March 31, 2021 September 30, 2021 (in thousands) Gross Amount Debt 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 $ (1,502) $ 142,248 $ 143,750 $ (23,443) $ 120,307 $ 143,750 $ (20,207) $ 123,543 2025 Convertible Notes 172,500 (2,580) 169,920 172,500 (35,664) 136,836 172,500 (31,857) 140,643 Total long-term debt $ 316,250 $ (4,082) $ 312,168 $ 316,250 $ (59,107) $ 257,143 $ 316,250 $ (52,064) $ 264,186 The following table presents the Company's contractual maturities related to the debt instruments as of March 31, 2022: 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 $ — $ 143,750 $ 172,500 $ — The following table presents the Company's interest expense related to the Convertible Notes for the three and six months ended March 31, 2022 and 2021: Three Months Ended March 31, Six Months Ended March 31, (in thousands) 2022 2021 2022 2021 2024 Convertible Notes: Contractual interest expense $ 1,033 $ 1,033 $ 2,066 $ 2,066 Amortization of deferred financing costs 142 111 309 223 Amortization of debt discount — 1,461 — 2,891 Total interest expense $ 1,175 $ 2,605 $ 2,375 $ 5,180 2025 Convertible Notes: Contractual interest expense $ 1,024 $ 1,024 $ 2,048 $ 2,048 Amortization of deferred financing costs 182 141 389 281 Amortization of debt discount — 1,712 — 3,391 Total interest expense $ 1,206 $ 2,877 $ 2,437 $ 5,720

Common Stock and Stock Compen_2

Common Stock and Stock Compensation (Tables)	6 Months Ended
	Mar. 31, 2022
Share-based Payment Arrangement [Abstract]
Schedule of Restricted Stock Award Activity	The following table presents a summary of stock compensation activity: Shares Weighted Outstanding as of September 30, 2021 2,218,777 $ 4.86 Granted 1,362,750 7.37 Released (a) (486,627) 4.77 Cancelled (711,844) 6.47 Outstanding as of March 31, 2022 2,383,056 $ 6.30 (a) 101,103 shares were withheld to satisfy related income tax withholding.

Segment Information (Tables)

Segment Information (Tables)	6 Months Ended
	Mar. 31, 2022
Segment Reporting [Abstract]
Schedule of Operating Segment Information	The following tables present revenue for each reportable segment, disaggregated revenue within our three reportable segments and Corporate, segment profits and segment contribution. Three Months Ended March 31, 2022 (in thousands) U.S. Pawn Latin America Pawn Other Investments Total Segments Corporate Items Consolidated Revenues: Merchandise sales $ 100,064 $ 33,492 $ — $ 133,556 $ — $ 133,556 Jewelry scrapping sales 3,480 2,210 — 5,690 — 5,690 Pawn service charges 58,772 17,911 — 76,683 — 76,683 Other revenues 24 — 29 53 — 53 Total revenues 162,340 53,613 29 215,982 — 215,982 Merchandise cost of goods sold 58,613 23,633 — 82,246 — 82,246 Jewelry scrapping cost of goods sold 2,798 2,010 — 4,808 — 4,808 Net revenues 100,929 27,970 29 128,928 — 128,928 Segment and corporate expenses (income): Store expenses 64,492 21,251 — 85,743 — 85,743 General and administrative — — — — 12,227 12,227 Depreciation and amortization 2,625 1,891 — 4,516 2,934 7,450 Gain on sale or disposal of assets and other — (9) — (9) (688) (697) Interest expense — — — — 2,527 2,527 Interest income — (255) — (255) — (255) Equity in net loss of unconsolidated affiliates — — 1,439 1,439 — 1,439 Other expense — 334 8 342 29 371 Segment contribution (loss) $ 33,812 $ 4,758 $ (1,418) $ 37,152 Income (loss) before income taxes $ 37,152 $ (17,029) $ 20,123 Three Months Ended March 31, 2021 (in thousands) U.S. Pawn Latin America Pawn Other Investments Total Segments Corporate Items Consolidated Revenues: Merchandise sales $ 93,827 $ 21,398 $ — $ 115,225 $ — $ 115,225 Jewelry scrapping sales 3,581 2,494 — 6,075 — 6,075 Pawn service charges 49,577 13,859 — 63,436 — 63,436 Other revenues 29 — 174 203 — 203 Total revenues 147,014 37,751 174 184,939 — 184,939 Merchandise cost of goods sold 51,812 13,978 — 65,790 — 65,790 Jewelry scrapping cost of goods sold 3,149 2,252 — 5,401 — 5,401 Net revenues 92,053 21,521 174 113,748 — 113,748 Segment and corporate expenses (income): Store expenses 63,657 17,492 — 81,149 — 81,149 General and administrative — — — — 13,771 13,771 Depreciation and amortization 2,636 1,793 — 4,429 3,660 8,089 Loss on sale or disposal of assets and other — 101 — 101 11 112 Interest expense — — — — 5,518 5,518 Interest income — (571) — (571) (14) (585) Equity in net income of unconsolidated affiliates — — (1,250) (1,250) — (1,250) Other expense — 85 9 94 51 145 Segment contribution $ 25,760 $ 2,621 $ 1,415 $ 29,796 Income (loss) before income taxes $ 29,796 $ (22,997) $ 6,799 Six Months Ended March 31, 2022 (in thousands) U.S. Pawn Latin America Pawn Other Investments Total Segments Corporate Items Consolidated Revenues: Merchandise sales $ 202,142 $ 69,134 $ — $ 271,276 $ — $ 271,276 Jewelry scrapping sales 8,460 4,174 — 12,634 — 12,634 Pawn service charges 115,329 37,379 — 152,708 — 152,708 Other revenues 46 240 72 358 — 358 Total revenues 325,977 110,927 72 436,976 — 436,976 Merchandise cost of goods sold 116,445 48,912 — 165,357 — 165,357 Jewelry scrapping cost of goods sold 6,773 3,807 — 10,580 — 10,580 Net revenues 202,759 58,208 72 261,039 — 261,039 Segment and corporate expenses (income): Store expenses 129,181 43,333 — 172,514 — 172,514 General and administrative — — — — 27,772 27,772 Depreciation and amortization 5,295 3,871 — 9,166 5,858 15,024 Gain on sale or disposal of assets and other — (4) — (4) (688) (692) Interest expense — — — — 4,958 4,958 Interest income — (437) — (437) (122) (559) Equity in net loss of unconsolidated affiliates — — 301 301 — 301 Other expense (income) — 200 (4) 196 55 251 Segment contribution (loss) $ 68,283 $ 11,245 $ (225) $ 79,303 Income (loss) before income taxes $ 79,303 $ (37,833) $ 41,470 Six Months Ended March 31, 2021 (in thousands) U.S. Pawn Latin America Pawn Other Investments Total Segments Corporate Items Consolidated Revenues: Merchandise sales $ 176,080 $ 46,928 $ — $ 223,008 $ — $ 223,008 Jewelry scrapping sales 7,585 5,249 — 12,834 — 12,834 Pawn service charges 99,797 27,128 — 126,925 — 126,925 Other revenues 51 7 249 307 — 307 Total revenues 283,513 79,312 249 363,074 — 363,074 Merchandise cost of goods sold 99,871 30,462 — 130,333 — 130,333 Jewelry scrapping cost of goods sold 5,993 4,610 — 10,603 — 10,603 Other cost of revenues — — — — — Net revenues 177,649 44,240 249 222,138 — 222,138 Segment and corporate expenses (income): Store expenses 125,749 34,709 — 160,458 — 160,458 General and administrative — — — — 26,281 26,281 Depreciation and amortization 5,372 3,653 — 9,025 6,636 15,661 Loss on sale or disposal of assets and other 27 — — 27 63 90 Interest expense — — — — 10,973 10,973 Interest income — (1,335) — (1,335) (71) (1,406) Equity in net income of unconsolidated affiliates — — (1,766) (1,766) — (1,766) Other (income) expense — (370) (201) (571) 117 (454) Segment contribution $ 46,501 $ 7,583 $ 2,216 $ 56,300 Income (loss) before income taxes $ 56,300 $ (43,999) $ 12,301
Reconciliation of Assets from Segment to Consolidated	The following table presents separately identified net earning assets by segment: (in thousands) U.S. Pawn Latin America Pawn Other Corporate Items Total As of March 31, 2022 Pawn loans $ 133,515 $ 40,103 $ — $ — $ 173,618 Inventory, net 93,320 26,570 — — 119,890 As of March 31, 2021 Pawn loans $ 95,369 $ 29,899 $ — $ — 125,268 Inventory, net 69,782 16,432 — — 86,214

Supplemental Consolidated Fin_2

Supplemental Consolidated Financial Information (Tables)	6 Months Ended
	Mar. 31, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Schedule of Information on Accounts Receivable, Net, Inventories, Net, Property and Equipment, Net	The following table provides supplemental information on net amounts included in our condensed consolidated balance sheets: (in thousands) March 31, 2022 March 31, 2021 September 30, 2021 Gross pawn service charges receivable $ 35,886 $ 26,607 $ 37,360 Allowance for uncollectible pawn service charges receivable (7,567) (5,765) (8,023) Pawn service charges receivable, net $ 28,319 $ 20,842 $ 29,337 Gross inventory $ 123,944 $ 93,470 $ 115,300 Inventory reserves (4,054) (7,256) (4,311) Inventory, net $ 119,890 $ 86,214 $ 110,989 Prepaid expenses and other $ 10,245 $ 7,881 $ 5,386 Accounts receivable and other 8,255 8,442 9,322 Income taxes receivable 8,767 14,353 16,302 Prepaid expenses and other current assets $ 27,267 $ 30,676 $ 31,010 Property and equipment, gross $ 293,087 $ 273,513 $ 284,867 Accumulated depreciation (242,213) (221,677) (231,056) Property and equipment, net $ 50,874 $ 51,836 $ 53,811 Accounts payable $ 17,756 $ 17,957 $ 22,462 Accrued payroll 8,631 8,867 9,093 Incentive accrual 8,196 6,682 16,868 Other payroll related expenses 7,877 12,187 10,695 Accrued sales and VAT taxes 8,022 9,064 10,936 Accrued income taxes payable 4,346 2,271 3,826 Other current liabilities 14,867 11,991 16,388 Accounts payable, accrued expenses and other current liabilities $ 69,695 $ 69,019 $ 90,268

Organization and Summary of S_4

Organization and Summary of Significant Accounting Policies - Accounting Standards Update and Change in Accounting Principle (Details) - USD ($)	Mar. 31, 2022	Oct. 01, 2021	Sep. 30, 2021	Mar. 31, 2021
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Principal	$ 316,250,000	$ 316,250,000
Unamortized debt discount		0
Deferred financing costs, net		(4,779,000)
Net carrying amount		311,471,000
Deferred tax asset	15,908,000	15,585,000	$ 9,746,000	$ 9,693,000
Deferred tax liability	179,000	(356,000)	3,684,000	167,000
Additional paid-in capital	341,913,000	339,049,000	403,312,000	399,439,000
Retained earnings	$ 384,246,000	$ 353,638,000	326,781,000	$ 327,798,000
As Reported September 30, 2021
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Principal			316,250,000
Unamortized debt discount			(48,785,000)
Deferred financing costs, net			(3,279,000)
Net carrying amount			264,186,000
Deferred tax asset			9,746,000
Deferred tax liability			3,684,000
Additional paid-in capital			403,312,000
Retained earnings			326,781,000
Adjustments | Accounting Standards Update 2020-06
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Principal			0
Unamortized debt discount			48,785,000
Deferred financing costs, net			(1,500,000)
Net carrying amount			47,285,000
Deferred tax asset			5,839,000
Deferred tax liability			(4,040,000)
Additional paid-in capital			(64,263,000)
Retained earnings			$ 26,857,000

Organization and Summary of S_5

Organization and Summary of Significant Accounting Policies - Narrative (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Interest expense	$ 2,527	$ 5,518	$ 4,958	$ 10,973
Basic earnings per common share (in dollars per share)	$ 0.26	$ 0.10	$ 0.54	$ 0.17
Diluted earnings per common share (in dollars per share)	$ 0.20	0.10	$ 0.42	0.17
Accounting Standards Update 2020-06 | Restatement Adjustment Member
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Interest expense	$ (3,400)		$ (6,800)
Basic earnings per common share (in dollars per share)		$ 0.05		$ 0.09
Diluted earnings per common share (in dollars per share)	$ 0.01		$ 0.03

Acquisitions - Additional Infor

Acquisitions - Additional Information Regarding Recent Acquisitions (Details) $ in Thousands	Jun. 08, 2021USD ($)storepaymentshares	Mar. 31, 2022USD ($)	Dec. 31, 2021USD ($)	Sep. 30, 2021USD ($)	Mar. 31, 2022USD ($)	Jun. 30, 2022USD ($)
Business Acquisition [Line Items]
Additional contingent payments		$ 4,600			$ 4,600
Measurement period adjustments					(678)
Bajio
Business Acquisition [Line Items]
Percentage of voting interests acquired	100.00%
Initial purchase price	$ 23,600		$ 22,300
Payments to acquire businesses	$ 17,400			$ 3,800
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
Additional contingent payments	$ 4,600
Number of additional payments | payment	2
Additional payment term	2 years
Maximum percentage of future contingent consideration that can be paid in shares	50.00%
Payments to acquire business, paid at closing	$ 11,600
Measurement period adjustments		$ 600	1,300
Decrease in consideration payable			1,300
Business acquisition, consideration payable			$ 700	$ 2,000
Business acquisition, final consideration payable on fifth anniversary of acquisition					$ 400
Bajio | Forecast
Business Acquisition [Line Items]
Payments to acquire businesses						$ 300
Bajio | MEXICO
Business Acquisition [Line Items]
Number of stores acquired | store	128

Acquisitions - Purchase Price A

Acquisitions - Purchase Price Allocation (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021	Jun. 08, 2021	Mar. 31, 2021	Sep. 30, 2020
Business Acquisition [Line Items]
Goodwill	$ 286,214	$ 285,758		$ 258,199	$ 257,582
Bajio
Business Acquisition [Line Items]
Cash and cash equivalents			$ 308
Pawn loans			4,619
Pawn service charges receivable			691
Inventory			1,319
Property and equipment			2,025
Right-of-use assets			10,651
Goodwill			25,422
Intangible assets			3,965
Deferred tax asset, net			381
Other assets			746
Accounts payable, accrued expenses and other liabilities			(2,290)
Debt			(14,931)
Lease liabilities			(10,651)
Total consideration			$ 22,255

Goodwill (Details)

Goodwill (Details) - USD ($) $ in Thousands	6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Goodwill [Roll Forward]
Beginning Balance	$ 285,758	$ 257,582
Measurement period adjustments	(678)
Effect of foreign currency translation changes	1,134	617
Ending Balance	286,214	258,199
U.S. Pawn
Goodwill [Roll Forward]
Beginning Balance	244,471	241,928
Measurement period adjustments	0
Effect of foreign currency translation changes	0	0
Ending Balance	244,471	241,928
Latin America Pawn
Goodwill [Roll Forward]
Beginning Balance	41,287	15,654
Measurement period adjustments	(678)
Effect of foreign currency translation changes	1,134	617
Ending Balance	$ 41,743	$ 16,271

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		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Basic earnings per common share:
Net income - basic	$ 14,887	$ 5,330	$ 30,608	$ 9,629
Weighted shares outstanding - basic (in shares)	56,561	55,661	56,370	55,509
Basic earnings per common share (in dollars per share)	$ 0.26	$ 0.10	$ 0.54	$ 0.17
Diluted earnings per common share:
Net income - basic	$ 14,887	$ 5,330	$ 30,608	$ 9,629
Add: Convertible Notes interest expense, net of tax	1,846	0	3,730	0
Net income - diluted	$ 16,733	$ 5,330	$ 34,338	$ 9,629
Weighted shares outstanding - basic (in shares)	56,561	55,661	56,370	55,509
Effect of dilution from equity-based compensation awards (in shares)	622	4	676	2
Effect of dilution from if-converted Convertible Notes (in shares)	25,224	0	25,224	0
Weighted shares outstanding - diluted (in shares)	82,407	55,665	82,270	55,511
Diluted earnings per common share (in dollars per share)	$ 0.20	$ 0.10	$ 0.42	$ 0.17
Potential common shares excluded from the calculation of diluted earnings per share above, Restricted stock (in shares)	1,756	964	1,847	831

Leases - Additional Information

Leases - Additional Information (Details) - USD ($) $ in Millions	6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Lessee, Lease, Description [Line Items]
Operating lease right of use asset non cash	$ 28.1	$ 6.6
Operating lease liability non cash	$ 28.1	$ 6.6
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	Mar. 31, 2022	Sep. 30, 2021	Mar. 31, 2021
Leases [Abstract]
Right-of-use asset	$ 204,343	$ 200,990	$ 170,479
Lease liability, current	52,446	52,263	41,060
Lease liability, non-current	163,506	161,330	138,622
Total lease liability	$ 215,952	$ 213,593	$ 179,682

Leases - Lease Cost (Details)

Leases - Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
Leases [Abstract]
Operating lease expense*	$ 16,789	$ 14,616	$ 33,151	$ 29,815
Variable lease expense	3,834	2,064	7,376	4,243
Total lease expense	$ 20,623	$ 16,680	$ 40,527	$ 34,058

Leases - Supplemental Cash Flow

Leases - Supplemental Cash Flow Information (Details)	Mar. 31, 2022	Mar. 31, 2021
Leases [Abstract]
Weighted-average remaining contractual lease term (years)	5 years	5 years 25 days
Weighted-average incremental borrowing rate	8.27%	7.88%

Leases - Operating Lease Maturi

Leases - Operating Lease Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021	Mar. 31, 2021
Leases [Abstract]
Remaining 2022	$ 34,749
Fiscal 2023	62,161
Fiscal 2024	49,882
Fiscal 2025	39,081
Fiscal 2026	29,380
Thereafter	47,828
Total lease payments	263,081
Less: Portion representing interest	47,129
Total lease liability	215,952	$ 213,593	$ 179,682
Less: Current portion	52,446	52,263	41,060
Non-current portion	$ 163,506	$ 161,330	$ 138,622

Strategic Investments - Additio

Strategic Investments - Additional Information (Details) $ in Thousands	Apr. 14, 2022USD ($)	Apr. 05, 2022USD ($)shares	Mar. 10, 2022USD ($)shares	Oct. 14, 2021USD ($)	Oct. 01, 2021USD ($)shares	Oct. 31, 2021USD ($)store	Mar. 31, 2022USD ($)	Mar. 31, 2021USD ($)
Schedule of Equity Method Investments [Line Items]
Dividends from unconsolidated affiliates							$ 1,660	$ 0
Subsequent Event
Schedule of Equity Method Investments [Line Items]
Number of additional shares acquired (in shares) | shares		13,000,000
Number of common shares owned (in shares) | shares		255,239,157
Percentage of common shares owned		40.67%
Simple Management Group, Inc
Schedule of Equity Method Investments [Line Items]
Number of stores | store						20
Cash Converters International Limited
Schedule of Equity Method Investments [Line Items]
Number of additional shares acquired (in shares) | shares			5,500,000		13,000,000
Payments to acquire equity method investment			$ 1,000		$ 2,500
Number of common shares owned (in shares) | shares			242,239,157		236,702,991
Percentage of common shares owned			38.60%		37.72%
Dividends from unconsolidated affiliates				$ 1,700
Cash Converters International Limited | Subsequent Event
Schedule of Equity Method Investments [Line Items]
Number of additional shares acquired (in shares) | shares		13,000,000
Payments to acquire equity method investment		$ 2,500
Number of common shares owned (in shares) | shares		255,239,157
Percentage of common shares owned		40.67%
Dividends from unconsolidated affiliates	$ 1,800	$ 1,800
Founders One LLC
Schedule of Equity Method Investments [Line Items]
Payments to acquire equity investment						$ 15,000
Equity securities, fv-ni							$ 15,000
Simple Management Group, Inc | Founders One LLC
Schedule of Equity Method Investments [Line Items]
Payments to acquire equity investment						$ 15,000

Strategic Investments - Equity

Strategic Investments - Equity Method Investments (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Dec. 31, 2021	Mar. 31, 2021	Dec. 31, 2020	Sep. 30, 2021
Summary of financial information for Cash Converters International Limited
Current assets	$ 612,771	$ 606,644	$ 612,771		$ 606,644		$ 610,861
Total assets	1,299,996	1,196,253	1,299,996		1,196,253		1,266,911
Current liabilities	137,187	121,480	137,187		121,480		155,088
Total liabilities and stockholders' equity	1,299,996	1,196,253	1,299,996		1,196,253		$ 1,266,911
Gross profit	128,928	113,748	261,039		222,138
Net profit (loss)	$ 14,887	$ 5,330	$ 30,608		$ 9,629
Cash Converters International Limited
Summary of financial information for Cash Converters International Limited
Current assets				$ 162,558		$ 170,412
Non-current assets				185,780		189,810
Total assets				348,338		360,222
Current liabilities				59,701		59,962
Non-current liabilities				59,915		58,368
Shareholders’ equity				228,722		241,892
Total liabilities and stockholders' equity				348,338		360,222
Gross revenues				84,185		71,153
Gross profit				55,280		51,231
Net profit (loss)				$ 1		$ 5,561

Fair Value Measurements - Addit

Fair Value Measurements - Additional Information (Details) - USD ($) $ in Thousands	1 Months Ended	6 Months Ended		12 Months Ended
	Apr. 30, 2019	Mar. 31, 2022	Mar. 31, 2021	Sep. 30, 2021	Mar. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Additional contingent payments		$ 4,600
Other investments		18,000	$ 0	$ 0
Carrying Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other investments		$ 18,000
Rich Data Corp
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Equity method of accounting ownership percentage		13.14%
Founders One LLC
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Other investments		$ 15,000
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	$ 1,100				$ 1,100
Interest on note receivable	2.89%	2.89%	2.89%	2.89%
2.89% promissory note receivable due April 2024 | Carrying Value
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Notes receivable, fair value		$ 1,198	$ 1,164	$ 1,181

Fair Value Measurements - Finan

Fair Value Measurements - Financial Assets and Liabilities (Details) - USD ($) $ in Thousands	1 Months Ended	6 Months Ended		12 Months Ended
	Apr. 30, 2019	Mar. 31, 2022	Mar. 31, 2021	Sep. 30, 2021	Mar. 31, 2019
Financial assets:
Other investments		$ 18,000	$ 0	$ 0
Carrying Value
Financial assets:
Other investments		18,000
Estimated Fair Value
Financial assets:
Other investments		18,000
Estimated Fair Value | Level 1
Financial assets:
Other investments		0
Estimated Fair Value | Level 2
Financial assets:
Other investments		0
Estimated Fair Value | Level 3
Financial assets:
Other investments		$ 18,000
2.89% promissory note receivable due April 2024
Financial assets:
Notes receivable, fair value	$ 1,100				$ 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		$ 1,198	$ 1,164	$ 1,181
2.89% promissory note receivable due April 2024 | Estimated Fair Value
Financial assets:
Notes receivable, fair value		1,198	1,164	1,181
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		1,198	1,164	1,181
Investments in unconsolidated affiliates | Carrying Value
Financial assets:
Investments in unconsolidated affiliates		42,002	34,961	37,724
Investments in unconsolidated affiliates | Estimated Fair Value
Financial assets:
Investments in unconsolidated affiliates		51,502	45,581	48,954
Investments in unconsolidated affiliates | Estimated Fair Value | Level 1
Financial assets:
Investments in unconsolidated affiliates		44,529	37,984	41,638
Investments in unconsolidated affiliates | Estimated Fair Value | Level 2
Financial assets:
Investments in unconsolidated affiliates		0	0	0
Investments in unconsolidated affiliates | Estimated Fair Value | Level 3
Financial assets:
Investments in unconsolidated affiliates		6,973	7,597	7,316
2024 Convertible Notes | Carrying Value
Financial liabilities:
Debt instruments, fair value		142,248	120,307	123,543
2024 Convertible Notes | Estimated Fair Value
Financial liabilities:
Debt instruments, fair value		141,594	132,609	153,281
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		141,594	132,609	153,281
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		169,920	136,836	140,643
2025 Convertible Notes | Estimated Fair Value
Financial liabilities:
Debt instruments, fair value		153,525	143,175	155,250
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		153,525	143,175	155,250
2025 Convertible Notes | Estimated Fair Value | Level 3
Financial liabilities:
Debt instruments, fair value		$ 0	$ 0	$ 0

Debt - Outstanding Obligations

Debt - Outstanding Obligations (Details) - USD ($)	Mar. 31, 2022	Oct. 01, 2021	Sep. 30, 2021	Mar. 31, 2021
Gross Amount
Total long-term debt	$ 316,250,000		$ 316,250,000	$ 316,250,000
Debt Discount and Issuance Costs
Total long-term debt	(4,082,000)		(52,064,000)	(59,107,000)
Carrying Amount
Total		$ 311,471,000
Total long-term debt	312,168,000		264,186,000	257,143,000
Senior Notes | 2024 Convertible Notes
Gross Amount
Total	143,750,000		143,750,000	143,750,000
Debt Discount and Issuance Costs
Total	(1,502,000)		(20,207,000)	(23,443,000)
Carrying Amount
Total	142,248,000		123,543,000	120,307,000
Senior Notes | 2025 Convertible Notes
Gross Amount
Total	172,500,000		172,500,000	172,500,000
Debt Discount and Issuance Costs
Total	(2,580,000)		(31,857,000)	(35,664,000)
Carrying Amount
Total	$ 169,920,000		$ 140,643,000	$ 136,836,000

Debt - Principal Payments (Deta

Debt - Principal Payments (Details) - USD ($)	Mar. 31, 2022	Oct. 01, 2021	May 14, 2018	Jul. 05, 2017
Schedule of Contractual Maturities
Total	$ 316,250,000	$ 316,250,000
Less Than 1 Year	0
1 - 3 Years	143,750,000
3 - 5 Years	172,500,000
More Than 5 Years	0
2024 Convertible Notes
Schedule of Contractual Maturities
Total				$ 143,750,000
Senior Notes | 2024 Convertible Notes
Schedule of Contractual Maturities
Total	143,750,000
Less Than 1 Year	0
1 - 3 Years	143,750,000
3 - 5 Years	0
More Than 5 Years	0
Senior Notes | 2025 Convertible Notes
Schedule of Contractual Maturities
Total	172,500,000		$ 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		6 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Mar. 31, 2022	Mar. 31, 2021
2024 Convertible Notes
Schedule of Contractual Maturities
Contractual interest expense	$ 1,033	$ 1,033	$ 2,066	$ 2,066
Amortization of deferred financing costs	142	111	309	223
Amortization of debt discount	0	1,461	0	2,891
Total interest expense	1,175	2,605	2,375	5,180
2025 Convertible Notes
Schedule of Contractual Maturities
Contractual interest expense	1,024	1,024	2,048	2,048
Amortization of deferred financing costs	182	141	389	281
Amortization of debt discount	0	1,712	0	3,391
Total interest expense	$ 1,206	$ 2,877	$ 2,437	$ 5,720

Debt - Additional Information (

Debt - Additional Information (Details)	May 14, 2018USD ($)day$ / shares	Jul. 05, 2017USD ($)day$ / shares	Mar. 31, 2022USD ($)	Oct. 01, 2021USD ($)
Schedule of Contractual Maturities
Principal amount | $			$ 316,250,000	$ 316,250,000
2024 Convertible Notes
Schedule of Contractual Maturities
Stated interest rate		2.875%
Principal amount | $		$ 143,750,000
Effective interest rate			3.35%
2024 Convertible Notes | Common Stock Class A Non-voting
Schedule of Contractual Maturities
Conversion rate per $1,000 principal amount		0.1
Conversion price, per share (in dollars per share) | $ / shares		$ 10
2024 Convertible Notes | Senior Notes
Schedule of Contractual Maturities
Principal amount | $			$ 143,750,000
2024 Convertible Notes | Senior Notes | Common Stock Class A Non-voting | Holder Option
Schedule of Contractual Maturities
Threshold trading days (whether or not consecutive)		20
Threshold consecutive trading days		30
Threshold percentage of stock price trigger		130.00%
Business day threshold		5 days
Threshold consecutive trading days		5 days
Maximum percentage of stock price product		98.00%
2024 Convertible Notes | Senior Notes | Common Stock Class A Non-voting | Company Option
Schedule of Contractual Maturities
Threshold trading days (whether or not consecutive)		20
Threshold consecutive trading days		30
Threshold percentage of stock price trigger		130.00%
Repurchase price, percent of principal amount		100.00%
2025 Convertible Notes | Senior Notes
Schedule of Contractual Maturities
Stated interest rate	2.375%
Principal amount | $	$ 172,500,000		$ 172,500,000
Effective interest rate			2.88%
Conversion rate per $1,000 principal amount	0.0628931
Threshold trading days (whether or not consecutive)	20
Threshold consecutive trading days	30
Debt instrument, interest rate, semi-annual stated percentage	2.375%
Share price (in dollars per share) | $ / shares	$ 15.90
2025 Convertible Notes | Senior Notes | Debt Instrument, Redemption, Period One
Schedule of Contractual Maturities
Threshold consecutive trading days	30
Threshold percentage of stock price trigger	130.00%
Repurchase price, percent of principal amount	100.00%
2025 Convertible Notes | Senior Notes | Debt Conversion, Condition One
Schedule of Contractual Maturities
Threshold trading days (whether or not consecutive)	20
Threshold percentage of stock price trigger	130.00%
2025 Convertible Notes | Senior Notes | Debt Conversion, Condition Two
Schedule of Contractual Maturities
Threshold consecutive trading days	5
Threshold percentage of stock price trigger	98.00%
Threshold business days	5

Common Stock and Stock Compen_3

Common Stock and Stock Compensation - Additional Information (Details) - USD ($)	1 Months Ended	12 Months Ended
	Dec. 31, 2019	Sep. 30, 2020
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock repurchase program, period (in years)	3 years
Class A Common Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock repurchase program, amount authorized	$ 60,000,000
Common stock repurchased and retired (in shares)		943,149
Common stock repurchased and retired		$ 5,200,000

Common Stock and Stock Compen_4

Common Stock and Stock Compensation - Restricted Stock Award Activity (Details) - Restricted stock	6 Months Ended
	Mar. 31, 2022$ / sharesshares
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward]
Outstanding, beginning balance (in shares)	2,218,777
Granted (in shares)	1,362,750
Released (in shares)	(486,627)
Cancelled (in shares)	(711,844)
Outstanding, ending balance (in shares)	2,383,056
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Abstract]
Outstanding, beginning balance (in dollars per share) | $ / shares	$ 4.86
Granted (in dollars per share) | $ / shares	7.37
Released (in dollars per share) | $ / shares	4.77
Cancelled (in dollars per share) | $ / shares	6.47
Outstanding, ending balance (in dollars per share) | $ / shares	$ 6.30
Shares withheld to satisfy related income tax withholding (in shares)	101,103

Segment Information - Operating

Segment Information - Operating Segment Information (Details) $ in Thousands	3 Months Ended		6 Months Ended
	Mar. 31, 2022USD ($)	Mar. 31, 2021USD ($)	Mar. 31, 2022USD ($)segment	Mar. 31, 2021USD ($)
Segment Reporting [Abstract]
Number of reportable segments | segment			3
Revenues:
Total revenues	$ 215,982	$ 184,939	$ 436,976	$ 363,074
Net revenues	128,928	113,748	261,039	222,138
Segment and corporate expenses (income):
Store expenses	85,743	81,149	172,514	160,458
General and administrative	12,227	13,771	27,772	26,281
Depreciation and amortization	7,450	8,089	15,024	15,661
(Gain) loss on sale or disposal of assets and other	(697)	112	(692)	90
Interest expense	2,527	5,518	4,958	10,973
Interest income	(255)	(585)	(559)	(1,406)
Equity in net loss of unconsolidated affiliates	1,439	(1,250)	301	(1,766)
Other expense	371	145	251	(454)
Income before income taxes	20,123	6,799	41,470	12,301
Segments
Revenues:
Total revenues	215,982	184,939	436,976	363,074
Net revenues	128,928	113,748	261,039	222,138
Segment and corporate expenses (income):
Store expenses	85,743	81,149	172,514	160,458
General and administrative	0	0	0	0
Depreciation and amortization	4,516	4,429	9,166	9,025
(Gain) loss on sale or disposal of assets and other	(9)	101	(4)	27
Interest expense	0	0	0	0
Interest income	(255)	(571)	(437)	(1,335)
Equity in net loss of unconsolidated affiliates	1,439	(1,250)	301	(1,766)
Other expense	342	94	196	(571)
Income before income taxes	37,152	29,796	79,303	56,300
Segments | U.S. Pawn
Revenues:
Total revenues	162,340	147,014	325,977	283,513
Net revenues	100,929	92,053	202,759	177,649
Segment and corporate expenses (income):
Store expenses	64,492	63,657	129,181	125,749
General and administrative	0	0	0	0
Depreciation and amortization	2,625	2,636	5,295	5,372
(Gain) loss on sale or disposal of assets and other	0	0	0	27
Interest expense	0	0	0	0
Interest income	0	0	0	0
Equity in net loss of unconsolidated affiliates	0	0	0	0
Other expense	0	0	0	0
Income before income taxes	33,812	25,760	68,283	46,501
Segments | Latin America Pawn
Revenues:
Total revenues	53,613	37,751	110,927	79,312
Net revenues	27,970	21,521	58,208	44,240
Segment and corporate expenses (income):
Store expenses	21,251	17,492	43,333	34,709
General and administrative	0	0	0	0
Depreciation and amortization	1,891	1,793	3,871	3,653
(Gain) loss on sale or disposal of assets and other	(9)	101	(4)	0
Interest expense	0	0	0	0
Interest income	(255)	(571)	(437)	(1,335)
Equity in net loss of unconsolidated affiliates	0	0	0	0
Other expense	334	85	200	(370)
Income before income taxes	4,758	2,621	11,245	7,583
Segments | Other Investments
Revenues:
Total revenues	29	174	72	249
Net revenues	29	174	72	249
Segment and corporate expenses (income):
Store expenses	0	0	0	0
General and administrative	0	0	0	0
Depreciation and amortization	0	0	0	0
(Gain) loss on sale or disposal of assets and other	0	0	0	0
Interest expense	0	0	0	0
Interest income	0	0	0	0
Equity in net loss of unconsolidated affiliates	1,439	(1,250)	301	(1,766)
Other expense	8	9	(4)	(201)
Income before income taxes	(1,418)	1,415	(225)	2,216
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	12,227	13,771	27,772	26,281
Depreciation and amortization	2,934	3,660	5,858	6,636
(Gain) loss on sale or disposal of assets and other	(688)	11	(688)	63
Interest expense	2,527	5,518	4,958	10,973
Interest income	0	(14)	(122)	(71)
Equity in net loss of unconsolidated affiliates	0	0	0	0
Other expense	29	51	55	117
Income before income taxes	(17,029)	(22,997)	(37,833)	(43,999)
Merchandise sales
Revenues:
Total revenues	133,556	115,225	271,276	223,008
Cost of goods sold	82,246	65,790	165,357	130,333
Merchandise sales | Segments
Revenues:
Total revenues	133,556	115,225	271,276	223,008
Cost of goods sold	82,246	65,790	165,357	130,333
Merchandise sales | Segments | U.S. Pawn
Revenues:
Total revenues	100,064	93,827	202,142	176,080
Cost of goods sold	58,613	51,812	116,445	99,871
Merchandise sales | Segments | Latin America Pawn
Revenues:
Total revenues	33,492	21,398	69,134	46,928
Cost of goods sold	23,633	13,978	48,912	30,462
Merchandise sales | Segments | Other Investments
Revenues:
Total revenues	0	0	0	0
Cost of goods sold	0	0	0	0
Merchandise sales | Corporate Items
Revenues:
Total revenues	0	0	0	0
Cost of goods sold	0	0	0	0
Jewelry scrapping sales
Revenues:
Total revenues	5,690	6,075	12,634	12,834
Cost of goods sold	4,808	5,401	10,580	10,603
Jewelry scrapping sales | Segments
Revenues:
Total revenues	5,690	6,075	12,634	12,834
Cost of goods sold	4,808	5,401	10,580	10,603
Jewelry scrapping sales | Segments | U.S. Pawn
Revenues:
Total revenues	3,480	3,581	8,460	7,585
Cost of goods sold	2,798	3,149	6,773	5,993
Jewelry scrapping sales | Segments | Latin America Pawn
Revenues:
Total revenues	2,210	2,494	4,174	5,249
Cost of goods sold	2,010	2,252	3,807	4,610
Jewelry scrapping sales | Segments | Other Investments
Revenues:
Total revenues	0	0	0	0
Cost of goods sold	0	0	0	0
Jewelry scrapping sales | Corporate Items
Revenues:
Total revenues	0	0	0	0
Cost of goods sold	0	0	0	0
Pawn service charges
Revenues:
Total revenues	76,683	63,436	152,708	126,925
Pawn service charges | Segments
Revenues:
Total revenues	76,683	63,436	152,708	126,925
Pawn service charges | Segments | U.S. Pawn
Revenues:
Total revenues	58,772	49,577	115,329	99,797
Pawn service charges | Segments | Latin America Pawn
Revenues:
Total revenues	17,911	13,859	37,379	27,128
Pawn service charges | Segments | Other Investments
Revenues:
Total revenues	0	0	0	0
Pawn service charges | Corporate Items
Revenues:
Total revenues	0	0	0	0
Other revenues, net
Revenues:
Total revenues	53	203	358	307
Cost of goods sold				0
Other revenues, net | Segments
Revenues:
Total revenues	53	203	358	307
Cost of goods sold				0
Other revenues, net | Segments | U.S. Pawn
Revenues:
Total revenues	24	29	46	51
Cost of goods sold				0
Other revenues, net | Segments | Latin America Pawn
Revenues:
Total revenues	0	0	240	7
Cost of goods sold				0
Other revenues, net | Segments | Other Investments
Revenues:
Total revenues	29	174	72	249
Cost of goods sold
Other revenues, net | Corporate Items
Revenues:
Total revenues	$ 0	$ 0	$ 0	0
Cost of goods sold				$ 0

Segment Reporting - Revenues an

Segment Reporting - Revenues and Long-Lived Assets by Geographic Information (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021	Mar. 31, 2021
Segment Reporting Information [Line Items]
Pawn loans	$ 173,618	$ 175,901	$ 125,268
Inventory, net	119,890	$ 110,989	86,214
Segments | U.S. Pawn
Segment Reporting Information [Line Items]
Pawn loans	133,515		95,369
Inventory, net	93,320		69,782
Segments | Latin America Pawn
Segment Reporting Information [Line Items]
Pawn loans	40,103		29,899
Inventory, net	26,570		16,432
Segments | Other Investments
Segment Reporting Information [Line Items]
Pawn loans	0		0
Inventory, net	0		0
Corporate Items
Segment Reporting Information [Line Items]
Pawn loans	0		0
Inventory, net	$ 0		$ 0

Supplemental Consolidated Fin_3

Supplemental Consolidated Financial Information (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Sep. 30, 2021	Mar. 31, 2021
Organization, Consolidation and Presentation of Financial Statements [Abstract]
Gross pawn service charges receivable	$ 35,886	$ 37,360	$ 26,607
Allowance for uncollectible pawn service charges receivable	(7,567)	(8,023)	(5,765)
Pawn service charges receivable, net	28,319	29,337	20,842
Gross inventory	123,944	115,300	93,470
Inventory reserves	(4,054)	(4,311)	(7,256)
Inventory, net	119,890	110,989	86,214
Prepaid expenses and other	10,245	5,386	7,881
Accounts receivable and other	8,255	9,322	8,442
Income taxes receivable	8,767	16,302	14,353
Prepaid expenses and other current assets	27,267	31,010	30,676
Property and equipment, gross	293,087	284,867	273,513
Accumulated depreciation	(242,213)	(231,056)	(221,677)
Property and equipment, net	50,874	53,811	51,836
Accounts payable	17,756	22,462	17,957
Accrued payroll	8,631	9,093	8,867
Incentive accrual	8,196	16,868	6,682
Other payroll related expenses	7,877	10,695	12,187
Accrued sales and VAT taxes	8,022	10,936	9,064
Accrued income taxes payable	4,346	3,826	2,271
Other current liabilities	14,867	16,388	11,991
Accounts payable, accrued expenses and other current liabilities	$ 69,695	$ 90,268	$ 69,019

Subsequent Events (Details)

Subsequent Events (Details) - USD ($)	May 03, 2022	Apr. 14, 2022	Apr. 05, 2022	Mar. 10, 2022	Oct. 14, 2021	Oct. 01, 2021	Dec. 31, 2019	Mar. 31, 2022	Mar. 31, 2021
Subsequent Event [Line Items]
Stock repurchase program, period (in years)							3 years
Dividends from unconsolidated affiliates								$ 1,660,000	$ 0
Class A Common Stock
Subsequent Event [Line Items]
Stock repurchase program, amount authorized							$ 60,000,000
Subsequent Event
Subsequent Event [Line Items]
Number of additional shares acquired (in shares)			13,000,000
Equity method investment, number of common shares owned			255,239,157
Equity method of accounting ownership percentage			40.67%
Subsequent Event | Class A Common Stock
Subsequent Event [Line Items]
Stock repurchase program, amount authorized	$ 50,000,000
Stock repurchase program, period (in years)	3 years
Cash Converters International Limited
Subsequent Event [Line Items]
Number of additional shares acquired (in shares)				5,500,000		13,000,000
Payments to acquire equity method investment				$ 1,000,000		$ 2,500,000
Equity method investment, number of common shares owned				242,239,157		236,702,991
Equity method of accounting ownership percentage				38.60%		37.72%
Dividends from unconsolidated affiliates					$ 1,700,000
Cash Converters International Limited | Subsequent Event
Subsequent Event [Line Items]
Number of additional shares acquired (in shares)			13,000,000
Payments to acquire equity method investment			$ 2,500,000
Equity method investment, number of common shares owned			255,239,157
Equity method of accounting ownership percentage			40.67%
Dividends from unconsolidated affiliates		$ 1,800,000	$ 1,800,000