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 | Q2 '26 | Q1 '26 | Q3 '25 | Q2 '25 | Q1 '25 | Q3 '24 | Q2 '24 | Q1 '24 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $446.88M | $382.02M | $310.98M | $306.32M | $320.17M | $281.42M | $285.64M | $299.99M | $255.81M | $258.42M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | $260.04M | $222.97M | $183.64M | $178.45M | $185.40M | $166.73M | $167.59M | $172.57M | $148.78M | $149.18M |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | $34.49M | $26.74M | $21.78M | $19.64M | $18.67M | $20.06M | $18.27M | $16.54M | $17.88M | $15.61M |
| Total Operating Expenses | $192.19M | $162.36M | $147.64M | $144.20M | $143.46M | $144.57M | $140.31M | $135.49M | $128.17M | $122.45M |
| D&A | - | $8.76M | - | - | $8.34M | - | - | $8.56M | - | - |
| Operating Income | $67.84M | $60.61M | $35.99M | $34.25M | $41.94M | $22.15M | $27.29M | $37.08M | $20.61M | $26.73M |
| Interest Expense | $8.35M | $8.17M | $8.46M | $3.40M | $3.44M | $3.54M | $3.40M | $3.44M | $3.41M | $3.39M |
| Income Tax | $15.90M | $14.87M | $8.21M | $9.02M | $10.37M | $5.05M | $7.17M | $9.23M | $3.09M | ($550.0K) |
| Net Income | $49.10M | $44.30M | $26.50M | $25.39M | $31.02M | $17.95M | $21.48M | $28.47M | $18.22M | ($6.79M) |
| EPS - Basic | $0.80 | $0.72 | $0.45 | $0.46 | $0.57 | $0.33 | $0.39 | $0.52 | $0.33 | ($0.12) |
| EPS - Diluted | $0.61 | $0.55 | $0.34 | $0.33 | $0.40 | $0.25 | $0.29 | $0.36 | $0.24 | ($0.12) |
Balance Sheet
| Line item | Q2 '26 | Q1 '26 | Q3 '25 | Q2 '25 | Q1 '25 | Q3 '24 | Q2 '24 | Q1 '24 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $354.18M | $465.91M | $469.52M | $505.24M | $174.51M | $170.51M | $229.11M | $218.52M | $220.59M | $243.13M |
| Accounts Receivable | - | - | - | - | - | $30.84M | $33.85M | $34.03M | $30.55M | $27.82M |
| Inventory | $275.96M | $253.45M | $248.46M | $207.78M | $199.48M | $191.92M | $163.43M | $164.93M | $166.48M | $150.30M |
| Accounts Payable | $24.83M | $16.92M | $22.92M | $14.93M | $14.82M | $20.85M | $11.41M | $18.20M | $23.02M | $17.76M |
| Current Assets | $1.09B | $1.15B | $1.13B | $1.07B | $739.96M | $729.00M | $722.30M | $719.17M | $719.72M | $686.65M |
| Total Assets | $2.13B | $1.99B | $1.95B | $1.83B | $1.50B | $1.49B | $1.51B | $1.48B | $1.47B | $1.42B |
| Current Liabilities | $231.75M | $190.05M | $200.57M | $264.04M | $254.00M | $269.38M | $173.19M | $180.00M | $191.97M | $145.38M |
| Long-term Debt | $519.00M | $518.55M | $518.08M | $517.19M | $224.50M | $224.26M | $326.57M | $326.22M | $325.85M | $359.29M |
| Total Liabilities | $984.83M | $916.78M | $925.72M | $978.05M | $675.24M | $688.67M | $707.75M | $706.31M | $721.94M | $707.94M |
| Stockholders' Equity | $1.12B | $1.07B | $1.03B | $800.40M | $823.89M | $801.46M | $712.59M | $705.34M | $745.77M | $712.59M |
| Retained Earnings | $703.69M | $656.99M | $612.69M | $561.21M | $536.43M | $507.21M | $477.68M | $457.93M | $431.14M | $405.96M |
Cash Flow
| Line item | Q2 '26 | Q1 '26 | Q3 '25 | Q2 '25 | Q1 '25 | Q3 '24 | Q2 '24 | Q1 '24 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | $39.15M | - | - | $25.99M | - | - | $21.48M | - | - |
| Investing Cash Flow | - | ($30.96M) | - | - | ($14.04M) | - | - | ($16.86M) | - | - |
| Financing Cash Flow | - | ($6.52M) | - | - | ($7.10M) | - | - | ($6.39M) | - | - |
| CapEx | - | $7.46M | - | - | $5.61M | - | - | $7.18M | - | - |
| Free Cash Flow | - | $31.69M | - | - | $20.38M | - | - | $14.30M | - | - |
Ratios
| Metric | Q2 '26 | Q1 '26 | Q3 '25 | Q2 '25 | Q1 '25 | Q3 '24 | Q2 '24 | Q1 '24 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | 58.2% | 58.4% | 59.1% | 58.3% | 57.9% | 59.2% | 58.7% | 57.5% | 58.2% | 57.7% |
| Operating margin | 15.2% | 15.9% | 11.6% | 11.2% | 13.1% | 7.9% | 9.6% | 12.4% | 8.1% | 10.3% |
| EBITDA margin | - | 18.2% | - | - | 15.7% | - | - | 15.2% | - | - |
| Net margin | 11.0% | 11.6% | 8.5% | 8.3% | 9.7% | 6.4% | 7.5% | 9.5% | 7.1% | -2.6% |
| Free cash flow margin | - | 8.3% | - | - | 6.4% | - | - | 4.8% | - | - |
| FCF / Net income | - | 0.72 | - | - | 0.66 | - | - | 0.50 | - | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | 7.7% | 7.0% | 7.0% | 6.4% | 5.8% | 7.1% | 6.4% | 5.5% | 7.0% | 6.0% |
| Effective tax rate | 24.5% | 25.1% | 23.7% | 26.2% | 25.1% | 22.0% | 25.0% | 24.5% | 14.5% | - |
| Return on assets | 2.3% | 2.2% | 1.4% | 1.4% | 2.1% | 1.2% | 1.4% | 1.9% | 1.2% | -0.5% |
| Return on equity | 4.4% | 4.1% | 2.6% | 3.2% | 3.8% | 2.2% | 3.0% | 4.0% | 2.4% | -1.0% |
| Return on invested capital | 3.1% | 2.9% | 1.8% | 1.9% | 3.0% | 1.7% | 2.0% | 2.7% | 1.6% | 2.0% |
| Liquidity | ||||||||||
| Current ratio | 4.71 | 6.03 | 5.61 | 4.04 | 2.91 | 2.71 | 4.17 | 4.00 | 3.75 | 4.72 |
| Quick ratio | 3.52 | 4.69 | 4.37 | 3.25 | 2.13 | 1.99 | 3.23 | 3.08 | 2.88 | 3.69 |
| Cash ratio | 1.53 | 2.45 | 2.34 | 1.91 | 0.69 | 0.63 | 1.32 | 1.21 | 1.15 | 1.67 |
| Leverage | ||||||||||
| Debt / Equity | 0.46 | 0.48 | 0.51 | 0.65 | 0.27 | 0.28 | 0.46 | 0.46 | 0.44 | 0.50 |
| Debt / Assets | 0.24 | 0.26 | 0.27 | 0.28 | 0.15 | 0.15 | 0.22 | 0.22 | 0.22 | 0.25 |
| Debt / EBITDA | - | 7.48 | - | - | 4.47 | - | - | 7.15 | - | - |
| Interest coverage | 8.1x | 7.4x | 4.3x | 10.1x | 12.2x | 6.3x | 8.0x | 10.8x | 6.0x | 7.9x |
| Equity multiplier | 1.90 | 1.86 | 1.90 | 2.29 | 1.82 | 1.86 | 2.12 | 2.10 | 1.97 | 1.99 |
| Liabilities / Assets | 0.46 | 0.46 | 0.47 | 0.53 | 0.45 | 0.46 | 0.47 | 0.48 | 0.49 | 0.50 |
| Efficiency | ||||||||||
| Asset turnover | 0.21 | 0.19 | 0.16 | 0.17 | 0.21 | 0.19 | 0.19 | 0.20 | 0.17 | 0.18 |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | 40d | 43d | 41d | 44d | 39d |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 41.6x | 35.3x | 56.0x | 44.6x | 30.6x | 44.8x | 39.1x | 24.3x | 34.4x | - |
| P / B | 1.9x | 1.5x | 1.5x | 1.5x | 1.2x | 1.2x | 1.3x | 1.1x | 1.0x | 0.7x |
| P / S | 4.7x | 4.2x | 5.1x | 4.0x | 3.2x | 3.3x | 3.3x | 2.5x | 2.8x | 1.9x |
| EV / EBITDA | - | 24.1x | - | - | 21.3x | - | - | 19.0x | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 45.9% | 19.3% | 10.5% | 7.2% | 6.7% | 10.0% | 10.5% | 13.5% | 18.5% | 19.7% |
| Revenue CAGR (3y) | 20.0% | 13.1% | 12.9% | 12.4% | 13.2% | 17.4% | 15.6% | 19.0% | 6.8% | 5.0% |
| Revenue CAGR (5y) | 19.3% | 16.5% | 8.1% | 6.5% | 7.6% | - | - | - | - | 5.0% |
| Gross profit growth (YoY) | 45.7% | 20.3% | 10.1% | 6.5% | 7.4% | 12.1% | 12.3% | 13.2% | 14.9% | 15.7% |
| Operating income growth (YoY) | 98.1% | 44.5% | 62.5% | 25.5% | 13.1% | 7.5% | 2.1% | 31.3% | 51.4% | 10.4% |
| Net income growth (YoY) | 93.4% | 42.8% | 47.6% | 18.2% | 8.9% | -1.5% | - | 69.7% | 49.2% | - |
| EPS growth (YoY) | 84.8% | 37.5% | 36.0% | 13.8% | 11.1% | 4.2% | - | 44.0% | 41.2% | - |
| EPS CAGR (3y) | - | 30.1% | 26.0% | 18.2% | 24.0% | - | 42.6% | 65.1% | - | - |
| EPS CAGR (5y) | 43.6% | 47.0% | - | - | 82.1% | 33.0% | 37.0% | - | -0.8% | - |
| FCF growth (YoY) | - | 55.5% | - | - | 42.6% | - | - | 218.7% | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | -3.3% | - | - |
| Book value growth (YoY) | 39.9% | 30.0% | 28.0% | 12.3% | 16.8% | 7.5% | 0.0% | 0.0% | 7.7% | 5.6% |
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%
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 |