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EZCORP, Inc. (EZPW)

Nasdaq Financials Consumer Finance S&P SmallCap 600
$28.55
-0.17 (-0.59%)
Close of Nov 06, 2026 · end-of-day data
Source: EZCORP, Inc.'s 10-K / 10-Q XBRL data on SEC EDGAR · fetched Nov 05, 2026

Revenue, net income & free cash flow

Income statement

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue$730.50M$747.95M$812.16M$847.23M$822.78M$729.55M$886.23M$1.05B$1.16B$1.27B
Cost of revenue$258.27M$266.52M————————
Gross profit$428.23M$435.51M$481.55M$494.45M$449.20M$449.49M$528.15M$609.84M$682.27M$746.07M
Operating income$29.17M$53.04M$67.12M$47.01M-$48.38M$31.17M$74.92M$92.15M$112.53M$149.17M
Interest expense$16.48M$27.80M$27.83M$32.64M$22.47M$22.18M$9.97M$16.46M$13.59M$23.03M
Pre-tax income$363.00K$42.68M$55.54M$4.17M-$70.09M$16.06M$67.71M$51.63M$115.61M$146.77M
Income tax$9.36M$11.09M$18.39M$2.41M-$1.63M$7.45M$17.55M$13.17M$32.51M$37.16M
Net income-$80.74M$31.41M$37.28M$2.54M-$68.46M$8.61M$50.16M$38.46M$83.09M$109.61M
EBITDA$57.82M$76.70M$92.61M$75.81M-$17.56M$61.84M$107.06M$124.28M$145.60M$181.71M
EPS (basic)$-1.49$0.58$0.68$0.05$-1.24$0.15$0.89$0.69$1.51$1.91
EPS (diluted)$-1.49$0.58$0.64$0.05$-1.24$0.15$0.70$0.53$1.10$1.42
Diluted shares54.43M54.37M57.90M55.98M55.31M55.95M82.40M80.86M84.45M83.38M
Gross margin58.6%58.2%59.3%58.4%54.6%61.6%59.6%58.1%58.7%58.5%
Operating margin4.0%7.1%8.3%5.5%-5.9%4.3%8.5%8.8%9.7%11.7%
Net margin-11.1%4.2%4.6%0.3%-8.3%1.2%5.7%3.7%7.2%8.6%

Balance sheet

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash & equivalents$65.74M$164.39M$285.31M$157.57M$304.54M$253.67M$206.03M$220.59M$170.51M$469.52M
Receivables—$19.52M$18.90M$10.89M$6.99M$9.32M$8.44M$30.55M——
Inventory$140.22M$154.41M$167.00M$179.35M$95.89M$110.99M$151.62M$166.48M$191.92M$248.46M
Total current assets$482.14M$580.96M$749.38M$605.76M$593.25M$610.86M$644.16M$719.72M$729.00M$1.13B
Goodwill$253.98M$254.76M$299.25M$300.53M$257.58M$285.76M$286.83M$302.37M$306.48M$324.89M
Total assets$983.24M$1.02B$1.24B$1.08B$1.20B$1.27B$1.35B$1.47B$1.49B$1.95B
Total current liabilities$94.98M$72.58M$259.96M$91.09M$132.47M$155.09M$152.87M$191.97M$269.38M$200.57M
Short-term debt—$0$190.18M$214.00K$213.00K$0$0$34.27M$103.07M$0
Long-term debt$283.61M$284.81M$226.70M$238.38M$251.02M$264.19M$312.90M$325.85M$224.26M$518.08M
Total debt$283.61M$284.81M$416.88M$238.59M$251.23M$264.19M$312.90M$360.11M$327.33M$518.08M
Total liabilities$389.04M$364.44M$502.37M$338.75M$547.90M$594.67M$655.65M$721.94M$688.67M$925.72M
Shareholders' equity$594.98M$662.38M$742.74M$744.95M$649.13M$672.24M$692.23M$745.77M$804.57M$1.03B

Cash flow

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow$68.10M$50.67M$88.98M$103.52M$49.08M$46.44M$66.53M$101.83M$113.60M$148.99M
Capital expenditures$13.25M$25.00M$40.47M$38.84M$28.53M$23.60M$31.89M$40.45M$35.76M$38.56M
Free cash flow$54.85M$25.66M$48.51M$64.68M$20.55M$22.84M$34.64M$61.39M$77.84M$110.42M
Investing cash flow$3.02M-$13.40M-$134.21M-$27.83M$109.90M-$84.61M-$113.28M-$110.89M-$111.85M-$117.86M
Financing cash flow-$63.16M$53.35M$167.59M-$198.32M-$6.25M-$16.25M-$2.83M$23.69M-$50.18M$274.42M
Share buybacks$11.75M$0$0$0$5.16M$0$2.04M$16.99M$12.01M$7.00M
Stock-based compensation$5.35M$5.87M$10.78M$9.75M-$5.09M$3.95M$5.05M$9.54M$10.41M$12.46M
Depreciation & amortization$28.65M$23.66M$25.48M$28.80M$30.83M$30.67M$32.14M$32.13M$33.07M$32.54M

Quarterly figures are rebuilt from the year-to-date totals companies report — Q4 is the full year minus the first nine months, since no 10-Q is filed for it. Values are as filed; later restatements replace earlier ones. Fiscal years are labelled by the calendar year in which they end.