EZPW · Ezcorp Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $1.27B | $1.16B | $1.05B | $886.23M | $729.55M | $822.81M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | $746.07M | $682.27M | $609.84M | $528.15M | $449.49M | $449.24M |
| R&D | - | - | - | - | - | - |
| SG&A | $83.50M | $75.56M | $67.53M | $64.34M | $56.49M | $49.90M |
| Total Operating Expenses | $596.90M | $569.74M | $517.69M | $453.23M | $418.32M | $497.62M |
| D&A | $32.54M | $33.07M | $32.13M | $32.14M | $30.67M | $30.83M |
| Operating Income | $149.17M | $112.53M | $92.15M | $74.92M | $31.17M | ($48.38M) |
| Interest Expense | $23.03M | $13.59M | $16.46M | $9.97M | $22.18M | $22.47M |
| Income Tax | $37.16M | $32.51M | $13.17M | $17.55M | $7.45M | ($1.63M) |
| Net Income | $109.61M | $83.09M | $38.46M | $50.16M | $8.61M | ($68.46M) |
| EPS - Basic | $1.91 | $1.51 | $0.69 | $0.89 | $0.15 | ($1.24) |
| EPS - Diluted | $1.42 | $1.10 | $0.53 | $0.70 | $0.15 | ($1.24) |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $469.52M | $170.51M | $220.59M | $206.03M | $253.67M | $304.54M |
| Accounts Receivable | - | - | $30.55M | $8.44M | $9.32M | $6.99M |
| Inventory | $248.46M | $191.92M | $166.48M | $151.62M | $110.99M | $95.89M |
| Accounts Payable | $22.92M | $20.85M | $23.02M | $24.06M | - | - |
| Current Assets | $1.13B | $729.00M | $719.72M | $644.16M | $610.86M | $593.25M |
| Total Assets | $1.95B | $1.49B | $1.47B | $1.35B | $1.27B | $1.20B |
| Current Liabilities | $200.57M | $269.38M | $191.97M | $152.87M | $155.09M | $132.47M |
| Long-term Debt | $518.08M | $224.26M | $325.85M | $312.90M | $264.19M | $251.02M |
| Total Liabilities | $925.72M | $688.67M | $721.94M | $655.65M | $594.67M | $547.90M |
| Stockholders' Equity | $1.03B | $804.57M | $745.77M | $692.23M | $672.24M | $649.13M |
| Retained Earnings | $612.69M | $507.21M | $431.14M | $402.01M | $326.78M | $318.17M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $148.99M | $113.60M | $101.83M | $66.53M | $46.44M | $49.08M |
| Investing Cash Flow | ($117.86M) | ($111.85M) | ($110.89M) | ($113.28M) | ($84.61M) | $109.90M |
| Financing Cash Flow | $274.42M | ($50.18M) | $23.69M | ($2.83M) | ($16.25M) | ($6.25M) |
| CapEx | $38.56M | $35.76M | $40.45M | $31.89M | $23.60M | $28.53M |
| Free Cash Flow | $110.42M | $77.84M | $61.39M | $34.64M | $22.84M | $20.55M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | 58.5% | 58.7% | 58.1% | 59.6% | 61.6% | 54.6% |
| Operating margin | 11.7% | 9.7% | 8.8% | 8.5% | 4.3% | -5.9% |
| EBITDA margin | 14.3% | 12.5% | 11.8% | 12.1% | 8.5% | -2.1% |
| Net margin | 8.6% | 7.2% | 3.7% | 5.7% | 1.2% | -8.3% |
| Free cash flow margin | 8.7% | 6.7% | 5.9% | 3.9% | 3.1% | 2.5% |
| FCF / Net income | 1.01 | 0.94 | 1.60 | 0.69 | 2.65 | -0.30 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | 6.6% | 6.5% | 6.4% | 7.3% | 7.7% | 6.1% |
| Effective tax rate | 25.3% | 28.1% | 25.5% | 25.9% | 46.4% | - |
| Return on assets | 5.6% | 5.6% | 2.6% | 3.7% | 0.7% | -5.7% |
| Return on equity | 10.7% | 10.3% | 5.2% | 7.2% | 1.3% | -10.5% |
| Return on invested capital | 7.2% | 7.9% | 6.4% | 5.5% | 1.8% | -4.2% |
| Liquidity | ||||||
| Current ratio | 5.61 | 2.71 | 3.75 | 4.21 | 3.94 | 4.48 |
| Quick ratio | 4.37 | 1.99 | 2.88 | 3.22 | 3.22 | 3.75 |
| Cash ratio | 2.34 | 0.63 | 1.15 | 1.35 | 1.64 | 2.30 |
| Leverage | ||||||
| Debt / Equity | 0.51 | 0.28 | 0.44 | 0.45 | 0.39 | 0.39 |
| Debt / Assets | 0.27 | 0.15 | 0.22 | 0.23 | 0.21 | 0.21 |
| Debt / EBITDA | 2.85 | 1.54 | 2.62 | 2.92 | 4.27 | - |
| Interest coverage | 6.5x | 8.3x | 5.6x | 7.5x | 1.4x | -2.2x |
| Equity multiplier | 1.90 | 1.86 | 1.97 | 1.95 | 1.88 | 1.84 |
| Liabilities / Assets | 0.47 | 0.46 | 0.49 | 0.49 | 0.47 | 0.46 |
| Efficiency | ||||||
| Asset turnover | 0.65 | 0.78 | 0.71 | 0.66 | 0.58 | 0.69 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | 11d | 3d | 5d | 3d |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 13.4x | 10.2x | 15.6x | 11.6x | 50.5x | - |
| P / B | 1.5x | 1.2x | 0.9x | 1.0x | 0.6x | 0.4x |
| P / S | 1.2x | 0.8x | 0.6x | 0.8x | 0.6x | 0.3x |
| EV / EBITDA | 9.0x | 6.9x | 6.2x | 7.3x | 7.0x | - |
| Growth | ||||||
| Revenue growth (YoY) | 9.7% | 10.7% | 18.4% | 21.5% | -11.3% | 10.0% |
| Revenue CAGR (3y) | 12.9% | 16.8% | 8.4% | 5.8% | - | 3.2% |
| Revenue CAGR (5y) | 9.1% | 9.2% | - | 3.5% | -0.0% | 0.9% |
| Gross profit growth (YoY) | 9.3% | 11.9% | 15.5% | 17.5% | 0.1% | -9.1% |
| Operating income growth (YoY) | 32.6% | 22.1% | 23.0% | 140.4% | - | - |
| Net income growth (YoY) | 31.9% | 116.0% | -23.3% | 482.4% | - | - |
| EPS growth (YoY) | 29.1% | 107.5% | -24.3% | 366.7% | - | - |
| EPS CAGR (3y) | 26.6% | 94.3% | - | 159.6% | -39.6% | - |
| EPS CAGR (5y) | - | 94.0% | -4.9% | 3.5% | - | - |
| FCF growth (YoY) | 41.9% | 26.8% | 77.2% | 51.7% | 11.1% | -68.2% |
| FCF CAGR (5y) | 40.0% | 3.8% | 4.9% | 1.0% | -16.1% | -17.9% |
| Book value growth (YoY) | 27.5% | 7.9% | 7.7% | 3.0% | 3.6% | -12.9% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-09-30.
Business segments
$1.27B totalU.S.Pawn Segment$912.49M · 71.6%
Latin America Pawn Segment$361.79M · 28.4%
Product / service
$1.27B totalMerchandise$701.00M · 55.0%
Pawn Service$474.23M · 37.2%
Jewelry Scrap$98.88M · 7.8%
Product And Service Other$169.0K · 0.0%
Geographic
$1.27B totalUS$912.49M · 71.6%
MX$267.30M · 21.0%
Latin America$94.49M · 7.4%
Stability scores
Altman Z′
FY 2025 · bankruptcy risk
1.96
Grey zone
Private-firm variant - uses book equity instead of market cap. > 2.90 safe · 1.23-2.90 grey · < 1.23 distress.
Piotroski F-score
FY 2025 · 9-point quality
6/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- ✗Long-term debt decreased
- ✓Current ratio improved
- ✓No share dilution
- ✗Gross margin improved
- ✗Asset turnover improved
Peer comparison
Same SIC group: Retail-Miscellaneous Retail
Comparing EZCORP INC against the 5 most active filers in the same SIC group.
Dividends
$0.00/share trailing 12 months
| Ex-date | Per share |
|---|---|
| Feb 4, 2000 | $0.0043 |