EZCORP, Inc. engages in the provision of pawn services. The company is headquartered in Rollingwood, Texas and currently employs 8,500 full-time employees. The firm also sells pre-owned and recycled merchandise, primarily collateral forfeited from pawn lending operations and merchandise purchased from customers. The Company’s U.S. Pawn segment includes its EZPAWN, Value Pawn & Jewelry and other branded pawn operations in the United States. Its Latin America Pawn segment includes its Empeno Facil, Cash Apoyo Efectivo and other branded pawn operations in Mexico, as well as its GuatePrenda and MaxiEfectivo pawn operations in Guatemala, El Salvador, and Honduras (GPMX). The Company’s Other Investments segment primarily includes its equity interest in Cash Converters International Limited (Cash Converters) and its investment in and notes receivable from Founders One, LLC (Founders). At its pawn stores, it advances cash against the value of collateralized tangible personal property and sells merchandise to customers looking for good value.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
09/30/2025
09/30/2024
09/30/2023
09/30/2022
09/30/2021
Revenue
1,336
1,274
1,161
1,049
886
729
Revenue Growth (YoY)
13%
10%
11%
18%
22%
-11%
Cost of Revenue
552
528
479
439
358
280
Gross Profit
783
746
682
609
528
449
Selling, General & Admin
91
90
81
70
64
57
Research & Development
--
--
--
--
--
--
Operating Expenses
614
595
568
515
451
417
Other Non Operating Income (Expenses)
0
0
1
-3
0
0
Pretax Income
164
146
115
51
67
16
Income Tax Expense
41
37
32
13
17
7
Net Income
122
109
83
38
50
8
Net Income Growth
44%
31%
118%
-24%
525%
-112%
Shares Outstanding (Diluted)
83.28
83.38
84.44
80.9
82.4
55.9
Shares Change (YoY)
0%
-1%
4%
-2%
47%
1%
EPS (Diluted)
1.47
1.31
0.98
0.48
0.61
0.15
EPS Growth
44%
34%
104%
-21%
307%
-112%
Free Cash Flow
121
110
77
61
34
22
Free Cash Flow Per Share
--
--
--
--
--
--
Gross Margin
58.6%
58.55%
58.74%
58.05%
59.59%
61.59%
Operating Margin
12.57%
11.77%
9.73%
8.96%
8.57%
4.38%
Profit Margin
9.13%
8.55%
7.14%
3.62%
5.64%
1.09%
Free Cash Flow Margin
9.05%
8.63%
6.63%
5.81%
3.83%
3.01%
EBITDA
200
182
146
126
108
62
EBITDA Margin
14.97%
14.28%
12.57%
12.01%
12.18%
8.5%
D&A For EBITDA
32
32
33
32
32
30
EBIT
168
150
113
94
76
32
EBIT Margin
12.57%
11.77%
9.73%
8.96%
8.57%
4.38%
Effective Tax Rate
25%
25.34%
27.82%
25.49%
25.37%
43.75%
Follow-Up Questions
What are EZCORP Inc's key financial statements?
According to the latest financial statement (Form-10K), EZCORP Inc has a total asset of $1,951, Net profit of $109
What are the key financial ratios for EZPW?
EZCORP Inc's Current ratio is 2.1, has a Net margin is 8.55, sales per share of $15.27.
How is EZCORP Inc's revenue broken down by segment or geography?
EZCORP Inc largest revenue segment is United States Pawn, at a revenue of 836,083,000 in the most earnings release.For geography, United States is the primary market for EZCORP Inc, at a revenue of 836,083,000.
Is EZCORP Inc profitable?
yes, according to the latest financial statements, EZCORP Inc has a net profit of $109
Does EZCORP Inc have any liabilities?
yes, EZCORP Inc has liability of 925
How many outstanding shares for EZCORP Inc?
EZCORP Inc has a total outstanding shares of 60.89