EZCORP Inc (EZPW) Financials

EPS

Hollow marker is the consensus estimate; filled is the reported figure, colored by beat or miss.

Revenue

Outlined bar is the consensus estimate; solid is reported.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
Q3 26	$0.41	$0.47	+14.6%	—	$418.7M	—
Q2 26	$0.41	$0.58	+41.5%	—	$446.9M	—
Q1 26	$0.43	$0.55	+27.9%	—	$382M	—
Q4 25	$0.3	$0.34	+13.3%	—	$336.8M	—
Q3 25	$0.25	$0.33	+32.0%	—	$311M	—
Q2 25	$0.31	$0.34	+9.7%	—	$306.3M	—
Q1 25	$0.37	$0.42	+13.5%	—	$320.2M	—
Q4 24	$0.26	$0.26	0.0%	—	$294.6M	—
Q3 24	$0.22	$0.23	+4.5%	—	$281.4M	—
Q2 24	$0.26	$0.28	+7.7%	—	$285.6M	—
Q1 24	$0.28	$0.36	+28.6%	—	$300M	—
Q4 23	$0.19	$0.23	+21.1%	—	$270.5M	—
Q3 23	$0.15	$0.2	+33.3%	—	$255.8M	—
Q2 23	$0.15	$0.23	+53.3%	—	$258.4M	—
Q1 23	$0.22	$0.28	+27.3%	—	$264.3M	—
Q4 22	$0.12	$0.15	+25.0%	—	$233.4M	—

EPS

Reported per-share earnings by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Revenue

Reported revenue by fiscal year; the line turns dotted where reported figures end and the analyst consensus begins, with the shaded band marking the low–high range.

Results

Periods without a consensus estimate or a reported figure show a dash.

Period	EPS estimate	EPS actual	EPS surprise %	Revenue estimate	Revenue actual	Revenue surprise %
FY25	—	$1.91	—	—	$1.3B	—
FY24	—	$1.51	—	—	$1.2B	—
FY23	—	$0.69	—	—	$1B	—
FY22	—	$0.89	—	—	$886.2M

Total revenue

Reported revenue per period; the line is the change from the same period a year earlier, on its own left axis.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	$730.5M	$748M	$812.2M	$847.2M	$822.8M	$729.6M	$886.2M	$1B	$1.2B	$1.3B
YoY change	+1.46%	+2.39%	+8.58%	+4.32%	-2.89%	-11.3%	+21.5%	+18.4%	+10.7%	+9.7%

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Revenue	730.5M	748M	812.2M	847.2M	822.8M	729.6M	886.2M	1B	1.2B	1.3B
Cost of revenue	302.3M	312.4M	330.6M	352.8M	373.6M	280.1M	358.1M	439.2M	479.3M	528.2M
Gross profit	428.2M	435.5M	481.6M	494.4M	449.2M	449.5M	528.1M	609.8M	682.3M	746.1M
Gross margin	58.6%	58.2%	59.3%	58.4%	54.6%	61.6%	59.6%	58.1%	58.7%	58.5%
Research & development	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	68.1M	53.5M	53.6M	63.7M	54.1M	56.5M	64.3M	67.5M	75.6M	83.5M
Operating expenses	369.5M	358.4M	388.5M	414.2M	411.3M	387.3M	421.8M	486.1M	536.6M	564.6M
Operating income	32.2M	53.4M	67.6M	51.4M	7.1M	31.5M	74.2M	91.6M	112.6M	148.9M
Operating margin	4.41%	7.14%	8.32%	6.07%	0.86%	4.32%	8.38%	8.73%	9.69%	11.7%
Non-operating income, net	-15.4M	5M	-1.3M	-25.7M	-57.9M	4.3M	2.6M	-31M	6M	6.2M
Pretax income	363K	42.7M	55.5M	4.2M	-70.1M	16.1M	67.7M	51.6M	115.6M	146.8M
Income tax	9.4M	11.1M	18.4M	2.4M	-1.6M	7.5M	17.6M	13.2M	32.5M	37.2M
Net income	-88.4M	29.8M	36.3M	1.3M	-68.5M	8.6M	50.2M	38.5M	83.1M	109.6M
Net margin	-12.1%	3.98%	4.47%	0.15%	-8.32%	1.18%	5.66%	3.67%	7.15%	8.6%
EBITDA	59.5M	94.5M	121M	89.7M	84.3M	117.5M	109.2M	104.8M	163.1M	203.4M
EPS	-0.15	0.62	0.73	0.05	-1.24	0.15	0.89	0.69	1.51	1.91
Diluted EPS	-0.15	0.62	0.69	0.05	-1.24	0.15	0.7	0.53	1.1	1.42

Revenue and profits

Revenue, gross profit, operating income, and net income per period.

Condensed income statement

Click a row to chart it; unreported figures show a dash.

Period	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26	Q3 26
Revenue	270.5M	300M	285.6M	281.4M	294.6M	320.2M	306.3M	311M	336.8M	382M	446.9M	418.7M
Cost of revenue	111.1M	127.4M	118M	114.7M	119.2M	134.8M	127.9M	127.3M	138.2M	159.1M	186.8M	172.6M
Gross profit	159.4M	172.6M	167.6M	166.7M	175.4M	185.4M	178.5M	183.6M	198.6M	223M	260M	246.2M
Gross margin	58.9%	57.5%	58.7%	59.2%	59.5%	57.9%	58.3%	59.1%	59%	58.4%	58.2%	58.8%
Research & development	—	—	—	—	—	—	—	—	—	—	—	—
Selling, general & administrative	18.6M	16.5M	18.3M	20.1M	20.7M	18.7M	19.6M	21.8M	23.4M	26.7M	34.5M	34M
Operating expenses	135.2M	127.1M	132.1M	136.4M	141M	135.1M	136.2M	139.6M	153.7M	153.5M	182.6M	181.7M
Operating income	16M	36.9M	27.3M	22.2M	26.2M	41.9M	34.3M	36M	36.7M	60.7M	67.8M	54.8M
Operating margin	5.91%	12.3%	9.55%	7.88%	8.9%	13.1%	11.2%	11.6%	10.9%	15.9%	15.2%	13.1%
Non-operating income, net	-1.7M	1.6M	1.9M	1.4M	1.1M	489K	1.6M	1.7M	2.4M	1.8M	3.4M	2.7M
Pretax income	13.1M	37.7M	28.7M	23M	26.3M	41.4M	34.4M	34.7M	36.3M	59.2M	65.5M	52M
Income tax	2.9M	9.2M	7.2M	5M	11.1M	10.4M	9M	8.2M	9.6M	14.9M	15.9M	13.5M
Net income	10.3M	28.5M	21.5M	17.9M	15.2M	31M	25.4M	26.5M	26.7M	44.3M	49.6M	38.5M
Net margin	3.79%	9.49%	7.52%	6.38%	5.16%	9.69%	8.29%	8.52%	7.93%	11.6%	11.1%	9.19%
EBITDA	86.2M	49.5M	40.3M	34.7M	38.6M	52.9M	45.7M	51.2M	53.6M	76.2M	83.4M	70M
EPS	—	0.52	0.39	0.33	—	0.57	0.46	0.45	0.44	0.72	0.8	0.62
Diluted EPS	—	0.36	0.29	0.25	—	0.4	0.33	0.34	0.34	0.55	0.61	0.48

P/E

Annual history by fiscal year; click a table row below to chart a different metric.

Current values are trailing twelve months where available, otherwise the latest fiscal year; unreported figures show a dash.

Key stats

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Market cap	602M	515.5M	582.7M	357.5M	278.2M	422M	435.6M	458.6M	615.8M	1.1B	1.9B
Enterprise value	819.8M	635.9M	714.3M	438.5M	427.7M	646.1M	775.6M	848.5M	1B	1.4B	2.4B
Shares outstanding	54.4M	54.3M	54.5M	55.3M	55.3M	55.7M	56.5M	55.6M	54.9M	57.5M	57.5M

Valuation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
P/E	—	17.3	16.1	272.7	—	49	8.68	11.9	7.41	9.98	15.4
P/S	0.82	0.69	0.72	0.42	0.34	0.58	0.49	0.44	0.53	0.86	1.19
P/B	1.01	0.78	0.79	0.48	0.43	0.63	0.63	0.61	0.77	1.07	1.62
EV/EBITDA	13.8	6.73	5.9	4.89	5.07	5.5	7.11	8.1	6.21	6.83	9.37
EV/Sales	1.12	0.85	0.88	0.52	0.52	0.89	0.88	0.81	0.87	1.09	1.53
Earnings yield	—	5.77%	6.23%	0.37%	—	2.04%	11.5%	8.39%	13.5%	10%	6.48%
FCF yield	9.11%	4.98%	8.32%	18.1%	7.39%	5.41%	7.95%	13.4%	12.6%	10.1%	-0.58%
PEG	—	—	—	—	—	—	—	—	—	—	0.41

Profitability

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Gross margin	58.6%	58.2%	59.3%	58.4%	54.6%	61.6%	59.6%	58.1%	58.7%	58.5%	58.8%
Operating margin	4.41%	7.14%	8.32%	6.07%	0.86%	4.32%	8.38%	8.73%	9.69%	11.7%	13.1%
Net margin	-12.1%	3.98%	4.47%	0.15%	-8.32%	1.18%	5.66%	3.67%	7.15%	8.6%	9.99%
ROE	-14.9%	4.51%	4.91%	0.18%	-10.5%	1.28%	7.25%	5.16%	10.3%	10.7%	14.7%
ROA	-8.99%	2.91%	2.92%	0.12%	-5.72%	0.68%	3.72%	2.62%	5.56%	5.62%	6.85%
ROIC	0%	5.06%	5.19%	2.64%	0.89%	1.88%	5.33%	6.01%	6.74%	8.43%	9.86%
Return on tangible assets	-21.4%	6.61%	6.8%	0.38%	-12.1%	1.51%	7.59%	5.15%	10.9%	9.26%	16.5%

Financial health

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Current ratio	5.08	8	2.88	6.65	4.48	3.94	4.21	3.75	2.71	5.61	4.81
Quick ratio	3.6	5.88	2.24	4.68	3.75	3.22	3.22	2.88	1.99	4.37	3.45
Debt / equity	0.48	0.43	0.56	0.32	0.7	0.71	0.79	0.82	0.7	0.75	0.7
Debt / assets	0.29	0.28	0.34	0.22	0.38	0.38	0.41	0.42	0.38	0.39	0.37
Net debt / EBITDA	3.66	1.27	1.09	0.9	1.77	1.91	3.11	3.72	2.43	1.45	1.76
Interest coverage	1.02	2.54	3	1.13	-2.12	1.72	7.79	4.14	9.51	7.37	7.45
Effective tax rate	100%	26%	33.1%	57.6%	0%	46.4%	25.9%	25.5%	28.1%	25.3%	25.3%

Per share

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Revenue per share	13.4	13.8	14.9	15.3	14.9	13.1	15.7	18.9	21.1	22.2	25.8
EPS (basic)	-0.15	0.62	0.73	0.05	-1.24	0.15	0.89	0.69	1.51	1.91	1.91
EPS (diluted)	-0.15	0.62	0.69	0.05	-1.24	0.15	0.7	0.53	1.1	1.42	1.99
Book value per share	10.9	12.2	13.6	13.5	11.7	12.1	12.3	13.4	14.6	17.8	18.9
FCF per share	1.01	0.47	0.89	1.17	0.37	0.41	0.61	1.1	1.42	1.92	1.66
Cash per share	1.21	3.03	5.24	2.85	5.51	4.55	3.65	3.97	3.1	8.17	5.06
Capex per share	0.18	0.35	—	—	—	—	—	—	—	0.67	0.52

Capital allocation

Metric	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25	Current
Capex / revenue	1.31%	2.52%	—	—	—	—	—	—	—	3.03%	2.73%
Capex / operating cash flow	28%	22.9%	—	—	—	—	—	—	—	25.9%	23.8%
Payout ratio	—	—	—	—	—	—	—	—	—	—	0%
Dividend yield	—	—	—	—	—	—	—	—	—	—	0.16%

Yield

0.16%

trailing twelve months

Frequency

Quarterly

Last dividend

$0.0042

ex-dividend Feb 4, 2000

Payout ratio

of earnings

Dividend growth

0 years

consecutive annual raises

Dividend per share

Split-adjusted payout per share by ex-dividend date.

Recent payouts

Ex-dividend	Amount
Feb 4, 2000	$0.0042
Nov 29, 1999	$0.0042
Aug 6, 1999	$0.0042
May 7, 1999	$0.0042
Feb 5, 1999	$0.0042
Nov 20, 1998	$0.0042
Aug 7, 1998	$0.0042

Split history

Date	Ratio
Dec 12, 2006	3:1

Period	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26	Q3 26
Revenue	$270.5M	$300M	$285.6M	$281.4M	$294.6M	$320.2M	$306.3M	$311M	$336.8M	$382M	$446.9M	$418.7M
YoY change	+15.9%	+13.5%	+10.5%	+10%	+8.9%	+6.73%	+7.24%	+10.5%	+14.3%	+19.3%	+45.9%	+34.7%

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Cash & short-term investments	65.7M	164.4M	285.3M	157.6M	304.5M	253.7M	206M	220.6M	170.5M	469.5M
Receivables	49.1M	51.1M	49.9M	42.7M	27.6M	38.7M	41.9M	51.7M	60.5M	63.8M
Inventory	140.2M	154.4M	167M	179.4M	95.9M	111M	151.6M	166.5M	191.9M	248.5M
Total current assets	482.1M	581M	749.4M	605.8M	593.3M	610.9M	644.2M	719.7M	729M	1.1B
Property, plant & equipment	-18.7M	-22.9M	-23.6M	-36.1M	135.7M	141.8M	154.7M	155.8M	-79M	-89.7M
Goodwill & intangibles	569.3M	574.4M	708.3M	737.1M	632.4M	695.7M	687.3M	721.2M	729.9M	767.4M
Total assets	983.2M	1B	1.2B	1.1B	1.2B	1.3B	1.3B	1.5B	1.5B	2B
Accounts payable	22M	13.1M	10.5M	25.9M	19.1M	22.5M	24.1M	23M	20.9M	22.9M
Short-term debt	—	—	190.2M	214K	50M	52.3M	52.3M	91.4M	162.1M	61.2M
Total current liabilities	95M	72.6M	260M	91.1M	132.5M	155.1M	152.9M	192M	269.4M	200.6M
Long-term debt	283.6M	284.8M	226.7M	238.4M	404.1M	425.5M	493.7M	519M	404.9M	702.8M
Total liabilities	389M	364.4M	502.4M	338.8M	547.9M	594.7M	655.6M	721.9M	688.7M	925.7M
Shareholders' equity	594.2M	659.9M	739.4M	744.9M	649.1M	672.2M	692.2M	745.8M	804.6M	1B
Total debt	283.6M	284.8M	416.9M	238.6M	454M	477.8M	546M	610.5M	566.9M	764M
Net debt	217.9M	120.4M	131.6M	81M	149.5M	224.1M	340M	389.9M	396.4M	294.5M

Assets vs. liabilities & equity

What the company owns (left stack) against what it owes plus shareholders' equity (right stack). The two stacks should match — that's the balance.

Condensed balance sheet

Click a row to chart it; unreported figures show a dash.

Period	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26	Q3 26
Cash & short-term investments	220.6M	218.5M	229.1M	218M	170.5M	174.5M	505.2M	472.1M	469.5M	465.9M	354.2M	311M
Receivables	51.7M	74M	72.1M	71.5M	60.5M	59.1M	58.2M	63.4M	63.8M	63.5M	87.2M	77.3M
Inventory	166.5M	164.9M	163.4M	171.9M	191.9M	199.5M	207.8M	225.5M	248.5M	253.4M	276M	316.3M
Total current assets	719.7M	719.2M	722.3M	741.9M	729M	740M	1.1B	1.1B	1.1B	1.1B	1.1B	1.1B
Property, plant & equipment	155.8M	69M	63.3M	59.9M	-79M	63.2M	64.2M	67.4M	-89.7M	74.9M	86.9M	89M
Goodwill & intangibles	721.2M	721.6M	744.7M	738M	729.9M	723.6M	724.6M	759.7M	767.4M	781.3M	1.2B	1.2B
Total assets	1.5B	1.5B	1.5B	1.5B	1.5B	1.5B	1.8B	1.9B	2B	2B	2.1B	2.2B
Accounts payable	23M	18.2M	11.4M	14.9M	20.9M	14.8M	14.9M	22.3M	22.9M	16.9M	24.8M	26.4M
Short-term debt	91.4M	92.3M	90M	196.2M	162.1M	161.1M	162.2M	60.2M	61.2M	61.5M	68M	69.8M
Total current liabilities	192M	180M	173.2M	286M	269.4M	254M	264M	172.3M	200.6M	190M	231.7M	232.1M
Long-term debt	519M	514.7M	523.9M	413M	404.9M	406.7M	700.1M	701.9M	702.8M	704.1M	731M	741M
Total liabilities	721.9M	706.3M	707.7M	708.7M	688.7M	675.2M	978.1M	893M	925.7M	916.8M	984.8M	998.5M
Shareholders' equity	745.8M	774.9M	800.4M	801.5M	804.6M	823.9M	851.6M	990.1M	1B	1.1B	1.1B	1.2B
Total debt	610.5M	607M	613.9M	609.2M	566.9M	567.8M	862.2M	762.1M	764M	765.5M	799M	810.7M
Net debt	389.9M	388.5M	384.8M	391.2M	396.4M	393.3M	357M	290M	294.5M	299.6M	444.8M	499.7M

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
Net income	-88.4M	29.8M	36.3M	1.3M	-68.5M	8.6M	50.2M	38.5M	83.1M	109.6M
Depreciation & amortization	28.7M	23.7M	25.5M	28.8M	76.5M	79.2M	32.1M	32.1M	33.1M	32.5M
Stock-based compensation	5.3M	5.9M	10.8M	9.8M	-5.1M	3.9M	5.1M	9.5M	10.4M	12.5M
Change in working capital	24.1M	4M	-5.2M	13M	-19.9M	-56.5M	-84.5M	-56.2M	-62.7M	-51.5M
Operating cash flow	34.1M	82.5M	86.3M	75.5M	-11.4M	52.1M	64M	66.7M	126M	149M
Capital expenditure	-9.6M	-18.9M	—	—	—	—	—	—	—	-38.6M
Investing cash flow	6.7M	-7.3M	-93.7M	11M	138.4M	-61M	-81.4M	-74M	-79.6M	-121.5M
Dividends paid	—	—	—	—	—	—	—	—	—	—
Share repurchases	-11.8M	0	0	0	-5.2M	0	-2M	-17M	-12M	-7M
Financing cash flow	-63.2M	53.4M	167.6M	-198.3M	-6.3M	-16.3M	-2.8M	23.7M	-50.2M	274.4M
Net change in cash	-22.3M	128.6M	160.2M	-111.9M	120.8M	-25.1M	-20.3M	16.4M	-3.8M	301.9M
Free cash flow	54.9M	25.7M	48.5M	64.7M	20.6M	22.8M	34.6M	61.4M	77.8M	110.4M

Cash generation and uses

Cash from operations, what's left after capex, and what went back to shareholders. Bars below the line are cash going out.

Condensed cash flow statement

Click a row to chart it; unreported figures show a dash.

Period	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26	Q3 26
Net income	10.3M	28.5M	21.5M	17.9M	15.2M	31M	25.4M	26.5M	26.7M	44.3M	49.6M	38.5M
Depreciation & amortization	65.1M	8.6M	8.2M	8.2M	8.1M	8.3M	8M	8M	8.2M	8.8M	9.6M	9.7M
Stock-based compensation	2.7M	2.3M	2.6M	3.1M	2.5M	2.6M	2.4M	4.2M	3.3M	3.4M	5.1M	4.1M
Change in working capital	1.1M	-25.3M	-27.7M	-8.2M	-1.8M	-30.6M	-10.2M	-3.9M	-10.8M	-29.9M	-11.7M	-23.4M
Operating cash flow	34.5M	28.6M	19.3M	37.4M	40.4M	26M	39.4M	34.8M	51.3M	39.1M	48.5M	42.8M
Capital expenditure	—	—	—	—	—	—	—	-9.1M	-15.5M	-7.5M	-10.5M	-9.9M
Investing cash flow	-31.2M	-11.4M	5.8M	-39.6M	-33.7M	-10.3M	7.6M	-53M	-51.8M	-32.8M	-26.6M	-70M
Dividends paid	—	—	—	—	—	—	—	—	—	—	—	—
Share repurchases	-3M	-3M	-3M	-3M	-3M	-3M	-997K	-2M	-999K	0	-4M	-4M
Financing cash flow	-3.3M	-6.4M	-3.1M	-3.1M	-37.5M	-7.1M	-6.4M	-10.8M	-1.2M	-6.5M	-138.5M	-19.1M
Net change in cash	-2K	10.8M	21.9M	-5.3M	-30.9M	8.6M	40.6M	-29M	-1.8M	-142K	-116.7M	-46.3M
Free cash flow	14.8M	14.3M	8.6M	30.5M	24.4M	20.4M	28.6M	25.7M	35.7M	31.7M	38M	32.9M

EZCORP Inc Financials

EPS

Revenue

Results

EPS

Revenue

Results

Total revenue

Total revenue

Revenue and profits

Condensed income statement

Revenue and profits

Condensed income statement

P/E

Key stats

Valuation

Profitability

Financial health

Per share

Capital allocation

Dividend per share

Recent payouts

Split history

Assets vs. liabilities & equity

Condensed balance sheet

Assets vs. liabilities & equity

Condensed balance sheet

Cash generation and uses

Condensed cash flow statement

Cash generation and uses

Condensed cash flow statement