NASDAQ : EZPW
EZCORP, Inc. — Financial statements
Financials · Credit Services · United States
Last price 29.11 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 1.79B
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Financial statements
EZCORP, Inc. (EZPW) reported revenue of 1.58B USD (TTM). Five years of income statement, balance sheet, cash flow and ratios below.
Income statement
Fiscal year October - September; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Operating Revenue | 1.58B | 1.27B | 1.16B | 1.05B | 885.78M | 729.02M |
| Other Revenue | 175.00K | 169.00K | 239.00K | 295.00K | 441.00K | 532.00K |
| Revenue | 1.58B | 1.27B | 1.16B | 1.05B | 886.23M | 729.55M |
| Cost of Revenue | 656.70M | 528.22M | 479.33M | 439.20M | 358.08M | 280.07M |
| Gross Profit | 927.76M | 746.07M | 682.27M | 609.84M | 528.15M | 449.49M |
| Selling, General & Admin | 669.63M | 564.61M | 536.61M | 486.10M | 419.36M | 386.53M |
| Other Operating Expenses | -1.26M | -765.00K | -5.10M | |||
| Operating Expenses | 705.81M | 595.88M | 568.92M | 513.14M | 451.50M | 417.20M |
| Operating Income | 221.96M | 150.18M | 113.36M | 96.70M | 76.65M | 32.28M |
| Interest Expense | -33.02M | -23.03M | -13.59M | -16.46M | -9.97M | -22.18M |
| Interest & Investment Income | 15.50M | 14.72M | 10.57M | 7.47M | 817.00K | 2.48M |
| Earnings From Equity Investments | 6.85M | 6.15M | 4.71M | -28.46M | 1.78M | 3.80M |
| Other Non Operating Income (Expenses) | 3.34M | -238.00K | 1.38M | -3.07M | 167.00K | 790.00K |
| EBT Excluding Unusual Items | 214.63M | 147.78M | 116.44M | 56.18M | 69.44M | 17.17M |
| Merger & Restructuring Charges | -600.00K | -1.03M | ||||
| Gain (Loss) on Sale of Assets | -222.00K | -135.00K | 16.00K | -208.00K | 674.00K | -83.00K |
| Asset Writedown | -877.00K | -877.00K | -843.00K | -4.34M | -2.40M | |
| Pretax Income | 212.93M | 146.77M | 115.61M | 51.63M | 67.71M | 16.06M |
| Income Tax Expense | 53.84M | 37.16M | 32.51M | 13.17M | 17.55M | 7.45M |
| Earnings From Continuing Operations | 159.09M | 109.61M | 83.09M | 38.46M | 50.16M | 8.61M |
| Net Income to Company | 159.09M | 109.61M | 83.09M | 38.46M | 50.16M | 8.61M |
| Minority Interest in Earnings | -776.00K | |||||
| Net Income | 158.31M | 109.61M | 83.09M | 38.46M | 50.16M | 8.61M |
| Net Income to Common | 158.31M | 109.61M | 83.09M | 38.46M | 50.16M | 8.61M |
| Shares Outstanding (Basic) | 61.34M | 57.47M | 54.94M | 55.59M | 56.50M | 55.74M |
| Shares Outstanding (Diluted) | 83.55M | 83.38M | 84.45M | 80.86M | 82.40M | 55.95M |
| EPS (Basic) | 2.58 | 1.91 | 1.51 | 0.69 | 0.89 | 0.15 |
| EPS (Diluted) | 1.99 | 1.42 | 1.10 | 0.53 | 0.70 | 0.15 |
| Free Cash Flow | 138.32M | 110.42M | 77.84M | 61.39M | 34.64M | 22.84M |
| Free Cash Flow Per Share | 1.66 | 1.32 | 0.92 | 0.76 | 0.42 | 0.41 |
| Gross Margin | 58.55% | 58.55% | 58.74% | 58.13% | 59.59% | 61.61% |
| Operating Margin | 14.01% | 11.79% | 9.76% | 9.22% | 8.65% | 4.42% |
| Profit Margin | 9.99% | 8.60% | 7.15% | 3.67% | 5.66% | 1.18% |
| Free Cash Flow Margin | 8.73% | 8.67% | 6.70% | 5.85% | 3.91% | 3.13% |
| EBITDA | 258.13M | 182.72M | 146.43M | 128.83M | 108.79M | 62.95M |
| EBITDA Margin | 16.29% | 14.34% | 12.61% | 12.28% | 12.28% | 8.63% |
| D&A For EBITDA | 36.17M | 32.54M | 33.07M | 32.13M | 32.14M | 30.67M |
| EBIT | 221.96M | 150.18M | 113.36M | 96.70M | 76.65M | 32.28M |
| EBIT Margin | 14.01% | 11.79% | 9.76% | 9.22% | 8.65% | 4.42% |
| Effective Tax Rate | 25.29% | 25.32% | 28.12% | 25.51% | 25.92% | 46.38% |
| Revenue as Reported | 1.58B | 1.27B | 1.16B | 1.05B | 886.23M | 729.55M |
| Advertising Expenses | 7.10M | 6.20M | 4.90M | 2.30M | 1.60M |
Balance sheet
Fiscal year October - September; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 311.03M | 469.52M | 170.51M | 220.59M | 206.03M | 253.67M |
| Cash & Short-Term Investments | 311.03M | 469.52M | 170.51M | 220.59M | 206.03M | 253.67M |
| Accounts Receivable | 77.32M | 63.84M | 60.49M | 51.68M | 41.91M | 38.66M |
| Receivables | 464.51M | 395.70M | 350.91M | 315.20M | 251.92M | 214.56M |
| Inventory | 316.35M | 248.46M | 191.92M | 166.48M | 151.62M | 110.99M |
| Prepaid Expenses | 11.32M | 9.43M | 3.35M | 4.11M | 8.34M | 5.39M |
| Restricted Cash | 1.75M | 525.00K | 9.29M | 8.37M | 8.34M | 9.96M |
| Other Current Assets | 11.58M | 2.32M | 3.01M | 4.97M | 17.92M | 16.30M |
| Total Current Assets | 1.12B | 1.13B | 729.00M | 719.72M | 644.16M | 610.86M |
| Property, Plant & Equipment | 371.16M | 312.72M | 293.77M | 304.50M | 278.04M | 254.41M |
| Long-Term Investments | 33.43M | 70.03M | 65.23M | 47.21M | 61.95M | 37.72M |
| Goodwill | 475.44M | 324.89M | 306.48M | 302.37M | 286.83M | 285.76M |
| Other Intangible Assets | 124.68M | 58.98M | 58.81M | 58.38M | 57.09M | 62.49M |
| Long-Term Deferred Tax Assets | 13.75M | 29.45M | 25.36M | 25.70M | 12.14M | 9.75M |
| Other Long-Term Assets | 31.24M | 29.18M | 14.59M | 9.83M | 6.44M | 4.74M |
| Total Assets | 2.17B | 1.95B | 1.49B | 1.47B | 1.35B | 1.27B |
| Accounts Payable | 26.45M | 22.92M | 20.85M | 23.02M | 24.06M | 22.46M |
| Accrued Expenses | 66.82M | 62.98M | 44.92M | 40.84M | 42.64M | 47.59M |
| Current Portion of Long-Term Debt | 103.07M | 34.27M | ||||
| Current Portion of Leases | 70.46M | 61.87M | 59.57M | 57.71M | 52.37M | 52.26M |
| Current Income Taxes Payable | 9.05M | 5.51M | 5.93M | 2.63M | 2.66M | 3.83M |
| Current Unearned Revenue | 42.53M | 33.90M | 21.57M | 18.92M | 16.02M | 12.56M |
| Other Current Liabilities | 16.79M | 13.39M | 13.47M | 14.58M | 15.11M | 16.39M |
| Total Current Liabilities | 232.10M | 200.57M | 269.38M | 191.97M | 152.87M | 155.09M |
| Long-Term Debt | 519.49M | 518.08M | 224.26M | 325.85M | 312.90M | 264.19M |
| Long-Term Leases | 221.91M | 185.31M | 181.73M | 194.90M | 180.90M | 161.33M |
| Long-Term Deferred Tax Liabilities | 2.67M | 2.57M | 2.08M | 435.00K | 373.00K | 3.68M |
| Other Long-Term Liabilities | 22.36M | 19.20M | 11.23M | 8.79M | 8.60M | 10.38M |
| Total Liabilities | 998.53M | 925.72M | 688.67M | 721.94M | 655.65M | 594.67M |
| Common Stock | 615.00K | 609.00K | 546.00K | 549.00K | 564.00K | 560.00K |
| Additional Paid-In Capital | 453.60M | 450.89M | 348.37M | 346.18M | 345.33M | 403.31M |
| Retained Earnings | 739.40M | 612.69M | 507.21M | 431.14M | 402.01M | 326.78M |
| Comprehensive Income & Other | -29.03M | -38.70M | -51.55M | -32.10M | -55.67M | -58.41M |
| Total Common Equity | 1.16B | 1.03B | 804.57M | 745.77M | 692.23M | 672.24M |
| Minority Interest | 3.12M | |||||
| Shareholders' Equity | 1.17B | 1.03B | 804.57M | 745.77M | 692.23M | 672.24M |
| Total Liabilities & Equity | 2.17B | 1.95B | 1.49B | 1.47B | 1.35B | 1.27B |
| Total Debt | 811.86M | 765.26M | 568.62M | 612.73M | 546.18M | 477.78M |
| Net Cash (Debt) | -500.83M | -295.73M | -398.11M | -392.13M | -340.15M | -224.11M |
| Net Cash Per Share | -5.99 | -3.55 | -4.71 | -4.85 | -4.13 | -4.01 |
| Filing Date Shares Outstanding | 61.44M | 60.89M | 54.47M | 54.72M | 56.31M | 56.06M |
| Total Common Shares Outstanding | 61.47M | 60.89M | 54.55M | 54.84M | 56.43M | 56.06M |
| Working Capital | 884.44M | 925.38M | 459.62M | 527.75M | 491.30M | 455.77M |
| Book Value Per Share | 18.94 | 16.84 | 14.75 | 13.60 | 12.27 | 11.99 |
| Tangible Book Value | 564.47M | 641.61M | 439.28M | 385.01M | 348.31M | 323.99M |
| Tangible Book Value Per Share | 9.18 | 10.54 | 8.05 | 7.02 | 6.17 | 5.78 |
| Land | 4.00K | 4.00K | 4.00K | 4.00K | 4.00K | |
| Buildings | 164.98M | 145.00M | 146.69M | 123.43M | 113.02M | |
| Machinery | 110.35M | 100.82M | 164.82M | 148.68M | 137.83M | |
| Construction In Progress | 751.00K | 39.00K |
Cash flow statement
Fiscal year October - September; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 158.31M | 109.61M | 83.09M | 38.46M | 50.16M | 8.61M |
| Depreciation & Amortization | 36.17M | 32.54M | 33.07M | 32.13M | 32.14M | 79.15M |
| Other Amortization | 1.91M | 1.73M | 1.60M | 1.56M | 1.43M | 13.80M |
| Asset Writedown & Restructuring Costs | 877.00K | 877.00K | 843.00K | 4.34M | ||
| Loss (Gain) on Equity Investments | -6.85M | -6.15M | -4.71M | 28.46M | -1.78M | -3.80M |
| Stock-Based Compensation | 15.90M | 12.46M | 10.41M | 9.54M | 5.05M | 3.95M |
| Other Operating Activities | 62.49M | 55.10M | 60.61M | 45.39M | 60.77M | -4.91M |
| Change in Accounts Receivable | -6.17M | -3.83M | -5.22M | -4.20M | -4.57M | -7.33M |
| Change in Inventory | -24.45M | -18.18M | -8.49M | -4.81M | -15.34M | 371.00K |
| Change in Accounts Payable | -54.16M | -41.42M | -57.16M | -61.52M | -65.14M | -54.21M |
| Change in Unearned Revenue | 6.72M | 11.71M | 2.95M | 1.38M | 3.36M | 1.26M |
| Change in Income Taxes | -4.54M | 258.00K | 5.24M | 12.92M | -2.79M | 2.18M |
| Change in Other Net Operating Assets | -4.56M | -5.72M | -8.64M | -1.81M | 3.24M | 7.37M |
| Operating Cash Flow | 181.64M | 148.99M | 113.60M | 101.83M | 66.53M | 46.44M |
| Capital Expenditures | -43.32M | -38.56M | -35.76M | -40.45M | -31.89M | -23.60M |
| Cash Acquisitions | -34.73M | -20.69M | -12.11M | -14.87M | -1.85M | -19.02M |
| Investment in Securities | -7.52M | -786.00K | -16.81M | -17.13M | -23.43M | |
| Other Investing Activities | -11.21M | -2.28M | 3.96M | -11.91M | -1.00M | |
| Investing Cash Flow | -177.29M | -117.86M | -111.85M | -110.89M | -113.28M | -84.61M |
| Long-Term Debt Issued | 300.00M | 230.00M | ||||
| Long-Term Debt Repaid | -7.02M | -34.88M | -178.76M | -15.41M | ||
| Net Debt Issued (Repaid) | -135.07M | 292.98M | -34.88M | 51.24M | -15.41M | |
| Repurchase of Common Stock | -15.38M | -10.97M | -15.30M | -18.14M | -2.83M | -839.00K |
| Other Financing Activities | -14.89M | -7.59M | -9.41M | |||
| Financing Cash Flow | -165.35M | 274.42M | -50.18M | 23.69M | -2.83M | -16.25M |
| Foreign Exchange Rate Adjustments | 612.00K | -637.00K | -725.00K | -41.00K | 325.00K | 5.50M |
| Net Cash Flow | -160.38M | 304.91M | -49.16M | 14.60M | -49.26M | -48.93M |
| Free Cash Flow | 138.32M | 110.42M | 77.84M | 61.39M | 34.64M | 22.84M |
| Free Cash Flow Margin | 8.73% | 8.67% | 6.70% | 5.85% | 3.91% | 3.13% |
| Free Cash Flow Per Share | 1.66 | 1.32 | 0.92 | 0.76 | 0.42 | 0.41 |
| Levered Free Cash Flow | -11.00M | 21.66M | 19.05M | -8.55M | -34.87M | 31.44M |
| Unlevered Free Cash Flow | 7.72M | 34.32M | 25.94M | 173.12K | -30.07M | 31.50M |
| Cash Interest Paid | 11.08M | 11.08M | 12.07M | 11.14M | 8.23M | 8.23M |
| Cash Income Tax Paid | 39.46M | 39.46M | 25.74M | 11.41M | 15.90M | 3.70M |
| Change in Working Capital | -87.16M | -57.18M | -71.32M | -58.05M | -81.24M | -50.36M |
Ratios
Fiscal year October - September; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.73B | 1.16B | 613.63M | 454.34M | 436.81M | 424.35M |
| Enterprise Value | 2.23B | 1.45B | 1.01B | 832.59M | 755.84M | 597.90M |
| Last Close Price | 28.11 | 19.04 | 11.21 | 8.25 | 7.71 | 7.57 |
| PE Ratio | 14.13 | 10.58 | 7.38 | 11.81 | 8.71 | 49.27 |
| Forward PE | 13.48 | 13.84 | 9.26 | 8.68 | 11.09 | 14.84 |
| PS Ratio | 1.09 | 0.91 | 0.53 | 0.43 | 0.49 | 0.58 |
| PB Ratio | 1.48 | 1.13 | 0.76 | 0.61 | 0.63 | 0.63 |
| P/TBV Ratio | 3.06 | 1.81 | 1.40 | 1.18 | 1.25 | 1.31 |
| P/FCF Ratio | 12.49 | 10.50 | 7.88 | 7.40 | 12.61 | 18.58 |
| P/OCF Ratio | 9.51 | 7.78 | 5.40 | 4.46 | 6.57 | 9.14 |
| PEG Ratio | 0.24 | 0.24 | 0.25 | 0.45 | 0.61 | |
| EV/Sales Ratio | 1.41 | 1.14 | 0.87 | 0.79 | 0.85 | 0.82 |
| EV/EBITDA Ratio | 8.63 | 7.94 | 6.88 | 6.46 | 6.95 | 9.50 |
| EV/EBIT Ratio | 10.04 | 9.66 | 8.88 | 8.61 | 9.86 | 18.52 |
| EV/FCF Ratio | 16.11 | 13.14 | 12.93 | 13.56 | 21.82 | 26.18 |
| Debt / Equity Ratio | 0.69 | 0.75 | 0.71 | 0.82 | 0.79 | 0.71 |
| Debt / EBITDA Ratio | 2.20 | 2.73 | 2.34 | 2.79 | 2.85 | 3.46 |
| Debt / FCF Ratio | 5.87 | 6.93 | 7.30 | 9.98 | 15.77 | 20.92 |
| Net Debt / Equity Ratio | 0.43 | 0.29 | 0.49 | 0.53 | 0.49 | 0.33 |
| Net Debt / EBITDA Ratio | 1.94 | 1.62 | 2.72 | 3.04 | 3.13 | 3.56 |
| Net Debt / FCF Ratio | 3.62 | 2.68 | 5.12 | 6.39 | 9.82 | 9.81 |
| Asset Turnover | 0.78 | 0.74 | 0.79 | 0.74 | 0.68 | 0.59 |
| Inventory Turnover | 2.42 | 2.40 | 2.67 | 2.76 | 2.73 | 2.71 |
| Quick Ratio | 1.67 | 2.66 | 0.86 | 1.42 | 1.62 | 1.89 |
| Current Ratio | 4.81 | 5.61 | 2.71 | 3.75 | 4.21 | 3.94 |
| Return on Equity (ROE) | 14.74% | 11.98% | 10.72% | 5.35% | 7.35% | 1.30% |
| Return on Assets (ROA) | 6.85% | 5.45% | 4.79% | 4.29% | 3.66% | 1.64% |
| Return on Invested Capital (ROIC) | 10.18% | 8.89% | 6.96% | 6.64% | 5.89% | 2.04% |
| Return on Capital Employed (ROCE) | 11.50% | 8.60% | 9.30% | 7.60% | 6.40% | 2.90% |
| Earnings Yield | 7.08% | 9.45% | 13.54% | 8.47% | 11.48% | 2.03% |
| FCF Yield | 8.01% | 9.52% | 12.68% | 13.51% | 7.93% | 5.38% |
| Buyback Yield / Dilution | 0.03% | 1.26% | -4.43% | 1.86% | -47.28% | -1.15% |