EZCORP (EZPW) Financials

$15.65 -0.02 (-0.13%)

Closing price 05/2/2025 04:00 PM Eastern

Extended Trading

$15.52 -0.13 (-0.80%)

As of 04:47 AM Eastern

Annual Income Statements for EZCORP

This table shows EZCORP's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	9/30/2014	9/30/2015	9/30/2016	9/30/2017	9/30/2018	9/30/2019	9/30/2020	9/30/2021	9/30/2022	9/30/2023	9/30/2024
Net Income / (Loss) Attributable to Common Shareholders	-68	-89	-81	31	37	2.54	-68	8.61	50	38	83
Consolidated Net Income / (Loss)	-74	-94	-88	30	36	1.31	-68	8.61	50	38	83
Net Income / (Loss) Continuing Operations	3.44	-52	-9.00	32	37	1.77	-68	8.61	50	38	83
Total Pre-Tax Income	7.89	-66	0.36	43	56	4.17	-70	16	68	52	116
Total Operating Income	18	-16	29	53	67	47	-48	31	75	92	113
Total Gross Profit	422	403	428	436	482	494	449	449	528	610	682
Total Revenue	746	720	731	748	812	847	823	730	886	1,049	1,162
Operating Revenue	733	707	731	748	812	847	823	730	886	1,049	1,162
Total Cost of Revenue	324	317	302	310	331	353	374	280	358	439	479
Operating Cost of Revenue	324	317	302	310	331	353	374	280	358	439	479
Total Operating Expenses	404	419	399	382	414	447	498	418	453	518	570
Selling, General & Admin Expense	374	368	369	358	388	414	411	387	422	486	537
Depreciation Expense	29	31	27	24	25	29	31	31	32	32	33
Impairment Charge	-	-	-	-	0.00	0.00	55	0.00	0.00	4.34	0.84
Other Special Charges / (Income)	-	-	-	-	-	-	-	0.08	-0.67	0.21	-0.02
Total Other Income / (Expense), net	-10	-51	-29	-10	-12	-43	-22	-15	-7.21	-41	3.08
Interest Expense	7.91	16	16	28	28	33	22	22	9.97	16	14
Interest & Investment Income	-1.69	-32	-11	17	11	-8.77	0.74	6.28	2.60	-21	15
Other Income / (Expense), net	-0.60	-2.19	-1.20	0.42	5.39	-1.42	0.02	0.79	0.17	-3.07	1.38
Income Tax Expense	4.45	-14	9.36	11	18	2.41	-1.63	7.45	18	13	33
Basic Earnings per Share	-	-	-	-	-	$0.05	($1.24)	$0.15	$0.89	$0.69	$1.51
Weighted Average Basic Shares Outstanding	54.15M	54.37M	54.43M	54.26M	54.46M	55.34M	55.31M	55.74M	56.50M	55.59M	54.94M
Diluted Earnings per Share	-	-	-	-	-	$0.05	($1.24)	$0.15	$0.70	$0.53	$1.10
Weighted Average Diluted Shares Outstanding	53.58M	54.37M	54.43M	54.37M	57.90M	55.98M	55.31M	55.95M	82.40M	80.87M	84.45M
Weighted Average Basic & Diluted Shares Outstanding	53.58M	54.84M	54.08M	54.40M	54.58M	55.54M	55.30M	56.06M	56.31M	54.72M	54.47M

This table shows EZCORP's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Income / (Loss) Attributable to Common Shareholders	7.34	17	-6.79	18	10	28	21	18	15	31	25
Consolidated Net Income / (Loss)	7.34	17	-6.79	18	10	28	21	18	15	31	25
Net Income / (Loss) Continuing Operations	7.34	17	-6.79	18	10	28	21	18	15	31	25
Total Pre-Tax Income	13	25	-7.34	21	13	38	29	23	26	41	34
Total Operating Income	15	28	27	21	17	37	27	22	26	42	34
Total Gross Profit	138	152	149	149	159	173	168	167	175	185	178
Total Revenue	233	264	258	256	270	300	286	281	295	320	306
Operating Revenue	233	264	258	256	270	300	286	281	295	320	306
Total Cost of Revenue	96	112	109	107	111	127	118	115	119	135	128
Operating Cost of Revenue	96	112	109	107	111	127	118	115	119	135	128
Total Operating Expenses	123	124	122	128	143	135	140	145	149	143	144
Selling, General & Admin Expense	113	116	117	123	130	127	133	136	140	135	136
Depreciation Expense	9.37	7.99	7.96	8.03	8.15	8.57	8.22	8.16	8.13	8.34	8.02
Other Special Charges / (Income)	0.02	-0.02	0.07	-0.03	0.18	-0.17	0.00	0.02	0.13	0.01	0.02
Total Other Income / (Expense), net	-1.72	-3.71	-34	0.70	-3.43	0.62	1.36	0.85	0.25	-0.56	0.16
Interest Expense	2.32	6.19	3.39	3.41	3.46	3.44	3.40	3.54	3.20	3.15	3.28
Interest & Investment Income	0.39	2.25	-31	4.11	3.26	3.79	4.60	4.19	2.70	3.57	3.38
Other Income / (Expense), net	0.21	0.23	-0.08	0.01	-3.23	0.27	0.17	0.19	0.75	-0.98	0.07
Income Tax Expense	5.82	7.76	-0.55	3.09	2.87	9.24	7.17	5.05	11	10	9.02
Basic Earnings per Share	$0.13	$0.30	($0.12)	$0.33	$0.18	$0.52	$0.39	$0.33	$0.27	$0.57	$0.46
Weighted Average Basic Shares Outstanding	56.50M	56.31M	55.65M	55.37M	55.59M	55.08M	55.09M	54.90M	54.94M	54.83M	54.97M
Diluted Earnings per Share	$0.12	$0.25	($0.12)	$0.24	$0.16	$0.36	$0.29	$0.25	$0.20	$0.40	$0.33
Weighted Average Diluted Shares Outstanding	82.40M	83.78M	55.65M	86.83M	80.87M	86.81M	83.05M	83.01M	84.45M	83.35M	83.14M
Weighted Average Basic & Diluted Shares Outstanding	56.31M	55.65M	55.42M	55.07M	54.72M	55.15M	54.94M	54.74M	54.47M	54.94M	55.01M

This table details how cash moves in and out of EZCORP's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	9/30/2014	9/30/2015	9/30/2016	9/30/2017	9/30/2018	9/30/2019	9/30/2020	9/30/2021	9/30/2022	9/30/2023	9/30/2024
Net Change in Cash & Equivalents	26	3.80	6.61	91	122	-123	150	-49	-49	15	-49
Net Cash From Operating Activities	75	79	68	51	89	104	49	46	67	102	114
Net Cash From Continuing Operating Activities	75	79	68	51	89	104	49	46	67	102	114
Net Income / (Loss) Continuing Operations	-74	-94	-88	30	36	1.31	-68	8.61	50	38	83
Consolidated Net Income / (Loss)	-74	-94	-88	30	36	1.31	-68	8.61	50	38	83
Depreciation Expense	39	37	29	24	25	29	31	31	32	32	33
Amortization Expense	22	27	12	12	18	20	59	14	1.43	1.56	1.61
Non-Cash Adjustments To Reconcile Net Income	144	129	117	1.68	9.35	32	65	34	58	98	64
Changes in Operating Assets and Liabilities, net	-56	-19	-1.72	-17	0.26	22	-37	-41	-75	-68	-68
Net Cash From Investing Activities	-80	-68	3.02	-13	-134	-28	110	-85	-113	-111	-112
Net Cash From Continuing Investing Activities	-80	-68	3.02	-13	-134	-28	110	-85	-113	-111	-112
Purchase of Property, Plant & Equipment	-23	-24	-13	-25	-40	-39	-29	-24	-32	-40	-36
Acquisitions	-13	-20	-6.00	-2.25	-107	-8.12	0.00	-19	-1.85	-15	-12
Purchase of Investments	-	-	-	-	-	-	0.00	0.00	-23	-17	-17
Sale of Property, Plant & Equipment	11	-	-	-	-	-	-	-	0.00	0.00	0.42
Sale and/or Maturity of Investments	-	0.00	0.00	29	32	34	8.00	0.00	0.00	3.59	3.54
Other Investing Activities, net	-55	-24	-13	-16	-19	-15	130	-42	-56	-42	-51
Net Cash From Financing Activities	33	2.40	-63	53	168	-198	-6.25	-16	-2.83	24	-50
Net Cash From Continuing Financing Activities	33	2.40	-63	53	168	-198	-6.25	-16	-2.83	24	-50
Repayment of Debt	-587	-31	-104	-85	-3.51	-196	-0.20	-15	0.00	-188	-34
Repurchase of Common Equity	-42	-32	-12	-	0.00	0.00	-5.16	0.00	-2.04	-17	-12
Issuance of Debt	766	70	64	140	171	1.06	0.91	0.00	0.00	230	0.00
Other Financing Activities, net	-130	-3.90	-12	-0.77	-0.31	-3.29	-1.81	-0.84	-0.79	-1.42	-3.79
Effect of Exchange Rate Changes	-0.93	-10	-1.35	0.72	-0.65	-0.51	-2.61	5.50	0.33	-0.04	-0.73

This table details how cash moves in and out of EZCORP's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Change in Cash & Equivalents	-17	1.65	36	-5.06	-18	-1.98	11	-10	-47	4.09	331
Net Cash From Operating Activities	18	12	35	27	28	21	15	34	43	26	37
Net Cash From Continuing Operating Activities	18	12	35	27	28	21	15	34	43	26	37
Net Income / (Loss) Continuing Operations	7.34	17	-6.79	18	10	28	21	18	15	31	25
Consolidated Net Income / (Loss)	7.34	17	-6.79	18	10	28	21	18	15	31	25
Depreciation Expense	9.37	7.99	7.96	8.03	8.15	8.57	8.22	8.16	8.13	8.34	8.02
Amortization Expense	0.38	0.38	0.36	0.40	0.43	0.42	0.39	0.41	0.39	0.38	0.34
Non-Cash Adjustments To Reconcile Net Income	16	18	50	13	17	13	19	16	16	17	24
Changes in Operating Assets and Liabilities, net	-15	-32	-16	-12	-8.19	-29	-34	-8.53	4.02	-30	-21
Net Cash From Investing Activities	-32	-45	3.97	-30	-40	-17	-1.38	-41	-53	-14	-0.74
Net Cash From Continuing Investing Activities	-32	-45	3.97	-30	-40	-17	-1.38	-41	-53	-14	-0.74
Purchase of Property, Plant & Equipment	-14	-7.18	-11	-9.31	-13	-7.18	-6.47	-3.22	-19	-5.61	-8.36
Purchase of Investments	-0.85	-17	-	-	-	-15	-0.85	-0.14	-0.82	0.00	-0.51
Other Investing Activities, net	-17	-7.42	15	-21	-29	3.58	14	-37	-32	-10	8.20
Net Cash From Financing Activities	-2.04	34	-4.02	-3.00	-3.28	-6.39	-3.15	-3.11	-38	-7.10	294
Net Cash From Continuing Financing Activities	-2.04	34	-4.02	-3.00	-3.28	-6.39	-3.15	-3.11	-38	-7.10	294
Repurchase of Common Equity	-2.04	-7.03	-3.95	-3.00	-3.01	-3.01	-3.00	-3.00	-3.00	-3.00	-1.00
Other Financing Activities, net	-	-1.14	-0.01	-	-0.27	-3.39	-0.14	-0.11	-0.15	-4.10	-0.14
Effect of Exchange Rate Changes	-0.89	0.61	0.45	0.36	-1.46	-0.21	0.16	-0.07	-0.62	-0.76	1.09

This table presents EZCORP's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	9/30/2014	9/30/2015	9/30/2016	9/30/2017	9/30/2018	9/30/2019	9/30/2020	9/30/2021	9/30/2022	9/30/2023	9/30/2024
Total Assets	1,411	1,189	983	1,024	1,242	1,084	1,197	1,267	1,348	1,468	1,493
Total Current Assets	635	511	482	581	749	606	593	611	644	720	729
Cash & Equivalents	55	56	66	164	285	158	305	254	206	221	171
Restricted Cash	63	-	-	-	-	4.88	8.01	9.96	8.34	8.37	9.29
Note & Lease Receivable	239	160	209	202	233	206	131	176	210	246	274
Inventories, net	138	124	140	154	167	179	96	111	152	166	192
Prepaid Expenses	33	25	36	29	33	26	33	31	35	40	39
Other Current Assets	31	-	31	32	31	32	21	29	33	39	44
Plant, Property, & Equipment, net	106	74	58	58	74	67	57	54	57	68	66
Total Noncurrent Assets	670	604	443	385	419	411	547	602	647	680	698
Long-Term Investments	92	56	37	43	50	35	32	38	62	47	65
Goodwill	347	252	254	255	299	301	258	286	287	302	306
Intangible Assets	66	31	31	32	55	68	59	62	57	58	58
Noncurrent Deferred & Refundable Income Taxes	12	34	35	17	7.99	2.00	8.93	9.75	12	26	25
Other Noncurrent Operating Assets	63	14	44	9.72	3.86	4.38	188	206	228	12	243
Total Liabilities & Shareholders' Equity	1,411	1,189	983	1,024	1,242	1,084	1,197	1,267	1,348	1,468	1,493
Total Liabilities	555	517	389	364	502	339	548	595	656	722	689
Total Current Liabilities	148	208	95	73	260	91	132	155	153	192	269
Short-Term Debt	37	-	-	0.00	190	0.21	0.21	-	0.00	34	103
Accounts Payable	95	110	84	62	58	78	72	90	85	82	86
Customer Deposits	8.10	10	11	11	12	13	11	13	16	19	22
Other Current Liabilities	8.60	-	-	-	-	0.00	50	52	52	57	59
Total Noncurrent Liabilities	407	310	294	292	242	248	415	440	503	530	419
Long-Term Debt	392	198	284	285	227	238	251	264	313	326	224
Noncurrent Deferred & Payable Income Tax Liabilities	-	-	-	0.00	8.82	1.99	0.52	3.68	0.37	0.44	2.08
Other Noncurrent Operating Liabilities	15	9.93	10	7.06	6.89	7.30	164	172	190	204	193
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	832	656	594	660	739	745	649	672	692	746	805
Total Preferred & Common Equity	832	656	595	662	743	745	649	672	692	746	805
Total Common Equity	832	656	595	662	743	745	649	672	692	746	805
Common Stock	333	311	319	349	398	408	399	404	346	347	349
Retained Earnings	510	401	320	352	387	389	318	327	402	431	507
Accumulated Other Comprehensive Income / (Loss)	-10	-55	-44	-38	-42	-52	-68	-58	-56	-32	-52

This table presents EZCORP's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025
Period end date	6/30/2022	12/31/2022	3/31/2023	6/30/2023	12/31/2023	3/31/2024	6/30/2024	12/31/2024	3/31/2025
Total Assets	1,331	1,402	1,421	1,458	1,481	1,508	1,510	1,499	1,830
Total Current Assets	630	662	687	711	719	722	742	740	1,067
Cash & Equivalents	222	208	243	238	219	229	218	175	505
Restricted Cash	8.61	8.36	8.45	8.55	8.47	8.58	9.20	9.39	9.50
Note & Lease Receivable	204	210	206	229	243	236	262	275	262
Inventories, net	133	156	150	155	165	163	172	199	208
Prepaid Expenses	30	46	46	45	44	47	40	37	40
Other Current Assets	32	35	33	35	40	38	41	45	42
Plant, Property, & Equipment, net	52	56	60	62	69	63	60	63	64
Total Noncurrent Assets	650	684	674	685	693	723	708	696	699
Long-Term Investments	61	77	50	49	61	64	64	65	66
Goodwill	287	297	300	302	304	311	309	305	305
Intangible Assets	61	58	60	60	57	62	60	57	57
Noncurrent Deferred & Refundable Income Taxes	16	12	19	20	26	26	25	25	25
Other Noncurrent Operating Assets	223	238	244	254	245	260	251	244	245
Total Liabilities & Shareholders' Equity	1,331	1,402	1,421	1,458	1,481	1,508	1,510	1,499	1,830
Total Liabilities	645	697	708	719	706	708	709	675	978
Total Current Liabilities	145	139	145	150	180	173	286	254	264
Short-Term Debt	-	0.00	0.00	0.00	34	34	137	103	103
Accounts Payable	77	70	73	74	69	63	70	69	71
Customer Deposits	15	16	19	19	18	20	20	24	31
Other Current Liabilities	53	53	54	57	58	56	59	58	59
Total Noncurrent Liabilities	500	558	563	569	526	535	423	421	714
Long-Term Debt	313	359	359	360	326	327	224	225	517
Noncurrent Deferred & Payable Income Tax Liabilities	0.31	0.00	0.37	0.35	0.37	0.47	0.42	2.19	1.82
Other Noncurrent Operating Liabilities	187	199	203	209	200	208	198	195	195
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	686	705	713	739	775	800	801	824	852
Total Preferred & Common Equity	686	705	713	739	775	800	801	824	852
Total Common Equity	686	705	713	739	775	800	801	824	852
Common Stock	344	344	344	345	344	346	348	346	348
Retained Earnings	396	415	406	423	458	478	494	536	561
Accumulated Other Comprehensive Income / (Loss)	-55	-53	-37	-29	-27	-23	-40	-59	-58

This table displays calculated financial ratios and metrics derived from EZCORP's official financial filings.

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	9/30/2014	9/30/2015	9/30/2016	9/30/2017	9/30/2018	9/30/2019	9/30/2020	9/30/2021	9/30/2022	9/30/2023	9/30/2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-7.88%	-3.46%	1.46%	2.39%	8.58%	4.32%	-2.89%	-11.33%	21.48%	18.37%	10.73%
EBITDA Growth	-34.25%	-41.34%	50.05%	29.61%	29.26%	-18.56%	-56.12%	85.02%	42.18%	12.98%	21.02%
EBIT Growth	-77.22%	-201.70%	257.23%	91.13%	35.64%	-37.14%	-206.10%	166.08%	134.95%	18.63%	27.87%
NOPAT Growth	-85.96%	-238.51%	-6,520.86%	105.43%	14.38%	-55.65%	-270.09%	149.34%	232.10%	23.68%	17.83%
Net Income Growth	-452.38%	-27.27%	6.15%	133.65%	21.96%	-96.39%	-5,322.20%	112.58%	482.44%	-23.32%	116.04%
EPS Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-2,580.00%	112.10%	366.67%	-24.29%	107.55%
Operating Cash Flow Growth	-37.99%	6.29%	-14.22%	-25.61%	75.62%	16.34%	-52.59%	-5.38%	43.28%	53.05%	11.55%
Free Cash Flow Firm Growth	86.98%	4,804.30%	-310.00%	109.17%	-151.25%	238.54%	260.12%	-131.93%	39.33%	15.66%	173.57%
Invested Capital Growth	1.56%	-38.56%	18.10%	-4.89%	11.46%	-4.25%	-29.40%	14.36%	14.76%	13.84%	6.89%
Revenue Q/Q Growth	-1.30%	18.76%	6.89%	-0.34%	2.99%	1.04%	-5.46%	3.64%	4.85%	3.66%	2.12%
EBITDA Q/Q Growth	-10.91%	-50.27%	-38.86%	-36.67%	8.32%	-56.35%	-33.31%	-13.45%	61.49%	-2.34%	9.89%
EBIT Q/Q Growth	30.00%	-17.65%	278.11%	-38.86%	-46.02%	-60.32%	-199.75%	1,061.46%	10.09%	-1.94%	13.37%
NOPAT Q/Q Growth	-39.72%	-23.25%	-6,740.95%	226.55%	-8.46%	56.07%	-226.79%	779.21%	8.91%	10.28%	2.89%
Net Income Q/Q Growth	-309.74%	3.13%	52.11%	33.87%	-22.94%	60.86%	-49.59%	152.90%	13.03%	8.20%	6.32%
EPS Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	151.72%	16.67%	8.16%	3.77%
Operating Cash Flow Q/Q Growth	16.16%	-16.83%	-7.11%	10.90%	5.35%	22.31%	-48.29%	79.75%	7.64%	10.27%	16.17%
Free Cash Flow Firm Q/Q Growth	94.50%	-49.93%	-2,000.30%	-62.29%	-44.28%	924.11%	-55.06%	-210.81%	29.16%	6.69%	154.33%
Invested Capital Q/Q Growth	-10.95%	-16.94%	-5.45%	1.06%	1.95%	-3.27%	-4.77%	5.67%	3.24%	3.36%	1.70%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	56.57%	55.98%	58.62%	58.23%	59.29%	58.36%	54.60%	123.22%	59.60%	58.13%	58.74%
EBITDA Margin	10.51%	6.39%	9.45%	11.96%	14.23%	11.11%	5.02%	10.48%	12.26%	11.70%	12.79%
Operating Margin	2.43%	-2.17%	3.99%	7.09%	8.26%	5.55%	-5.88%	8.54%	8.45%	8.78%	9.69%
EBIT Margin	2.35%	-2.47%	3.83%	7.15%	8.93%	5.38%	-5.88%	4.38%	8.47%	8.49%	9.81%
Profit (Net Income) Margin	-9.93%	-13.09%	-12.11%	3.98%	4.47%	0.15%	-8.32%	1.18%	5.66%	3.67%	7.15%
Tax Burden Percent	-938.47%	142.32%	-24,360.88%	69.73%	65.35%	31.41%	97.67%	53.62%	74.08%	74.49%	71.88%
Interest Burden Percent	45.10%	372.16%	1.30%	79.83%	76.59%	9.16%	144.92%	100.52%	90.18%	57.96%	101.49%
Effective Tax Rate	56.42%	0.00%	2,578.79%	25.99%	33.11%	57.64%	0.00%	92.77%	25.92%	25.51%	28.12%
Return on Invested Capital (ROIC)	0.74%	-1.27%	-101.06%	5.19%	5.76%	2.48%	-5.05%	2.81%	8.14%	8.81%	9.42%
ROIC Less NNEP Spread (ROIC-NNEP)	-50.24%	-87.45%	686.68%	-2.17%	-5.05%	-27.60%	127.63%	15.18%	1,846.43%	-41.28%	12.09%
Return on Net Nonoperating Assets (RNNOA)	-8.98%	-11.04%	87.13%	-0.45%	-0.57%	-2.30%	-4.77%	-2.85%	-0.79%	-3.46%	1.30%
Return on Equity (ROE)	-8.23%	-12.31%	-13.93%	4.75%	5.19%	0.18%	-9.82%	1.30%	7.35%	5.35%	10.72%
Cash Return on Invested Capital (CROIC)	-0.80%	46.50%	-117.65%	10.21%	-5.08%	6.82%	29.42%	-10.59%	-5.61%	-4.14%	2.76%
Operating Return on Assets (OROA)	1.28%	-1.37%	2.58%	5.33%	6.40%	3.92%	-4.24%	2.59%	5.74%	6.33%	7.69%
Return on Assets (ROA)	-5.40%	-7.25%	-8.14%	2.96%	3.20%	0.11%	-6.00%	2.06%	3.84%	2.73%	5.61%
Return on Common Equity (ROCE)	-7.91%	-11.97%	-13.72%	4.76%	5.21%	0.18%	-9.82%	1.30%	7.35%	5.35%	10.72%
Return on Equity Simple (ROE_SIMPLE)	-8.90%	-14.36%	-14.86%	4.49%	4.89%	0.18%	-10.55%	2.56%	7.25%	5.16%	10.33%
Net Operating Profit after Tax (NOPAT)	7.89	-11	-723	39	45	20	-34	17	56	69	81
NOPAT Margin	1.06%	-1.52%	-98.99%	5.25%	5.53%	2.35%	-4.12%	2.29%	6.26%	6.54%	6.96%
Net Nonoperating Expense Percent (NNEP)	50.99%	86.19%	-787.74%	7.36%	10.81%	30.07%	-132.68%	-12.37%	-1,838.29%	50.09%	-2.66%
Cost of Revenue to Revenue	43.43%	44.03%	41.38%	41.51%	40.71%	41.64%	45.40%	76.78%	40.40%	41.87%	41.26%
SG&A Expenses to Revenue	50.11%	51.10%	50.58%	47.92%	47.83%	48.89%	49.99%	53.09%	47.59%	46.34%	46.20%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	54.14%	58.14%	54.63%	51.14%	51.03%	52.81%	60.48%	114.68%	51.14%	49.35%	49.05%
Earnings before Interest and Taxes (EBIT)	17	-18	28	53	73	46	-48	32	75	89	114
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	78	46	69	89	116	94	41	76	109	123	149
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.64	0.50	1.00	0.78	0.78	0.48	0.43	0.63	0.63	0.61	0.76
Price to Tangible Book Value (P/TBV)	1.27	0.89	1.92	1.37	1.50	0.95	0.83	1.31	1.25	1.18	1.40
Price to Revenue (P/Rev)	0.71	0.46	0.82	0.69	0.72	0.42	0.34	0.58	0.49	0.43	0.53
Price to Earnings (P/E)	0.00	0.00	0.00	16.42	15.63	140.85	0.00	49.27	8.71	11.81	7.38
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.00%	0.00%	0.00%	6.09%	6.40%	0.71%	0.00%	2.03%	11.48%	8.47%	13.54%
Enterprise Value to Invested Capital (EV/IC)	0.72	0.67	1.00	0.80	0.81	0.51	0.33	0.61	0.65	0.65	0.78
Enterprise Value to Revenue (EV/Rev)	1.03	0.61	1.06	0.79	0.81	0.47	0.22	0.53	0.53	0.51	0.60
Enterprise Value to EBITDA (EV/EBITDA)	9.85	9.49	11.26	6.60	5.72	4.24	4.44	5.07	4.36	4.38	4.68
Enterprise Value to EBIT (EV/EBIT)	44.12	0.00	27.78	11.04	9.12	8.76	0.00	12.12	6.30	6.04	6.11
Enterprise Value to NOPAT (EV/NOPAT)	97.88	0.00	0.00	15.04	14.73	20.07	0.00	23.17	8.53	7.84	8.60
Enterprise Value to Operating Cash Flow (EV/OCF)	10.33	5.50	11.41	11.65	7.43	3.86	3.73	8.34	7.12	5.29	6.13
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	1.09	0.00	7.65	0.00	7.29	0.93	0.00	0.00	0.00	29.33
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.50	0.29	0.48	0.43	0.56	0.32	0.39	0.39	0.45	0.48	0.41
Long-Term Debt to Equity	0.46	0.29	0.48	0.43	0.31	0.32	0.39	0.79	0.45	0.44	0.28
Financial Leverage	0.18	0.13	0.13	0.21	0.11	0.08	-0.04	-0.10	0.00	0.08	0.11
Leverage Ratio	1.53	1.70	1.71	1.60	1.62	1.57	1.64	3.75	1.92	1.96	1.91
Compound Leverage Factor	0.69	6.32	0.02	1.28	1.24	0.14	2.37	0.94	1.73	1.13	1.94
Debt to Total Capital	33.39%	22.66%	32.31%	30.15%	36.05%	24.26%	27.90%	28.21%	31.13%	32.56%	28.92%
Short-Term Debt to Total Capital	2.85%	0.00%	0.00%	0.00%	16.45%	0.02%	0.02%	0.00%	0.00%	3.10%	9.11%
Long-Term Debt to Total Capital	30.54%	22.66%	32.31%	30.15%	19.61%	24.24%	27.88%	28.21%	31.13%	29.47%	19.81%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	1.78%	2.26%	-0.09%	-0.26%	-0.29%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	64.84%	75.08%	67.78%	70.11%	64.23%	75.74%	72.10%	71.79%	68.87%	67.44%	71.08%
Debt to EBITDA	5.47	4.31	4.11	3.18	3.61	2.53	6.08	3.46	2.88	2.93	2.20
Net Debt to EBITDA	2.78	1.86	2.62	0.86	0.71	0.44	-2.27	-0.78	0.34	0.68	0.55
Long-Term Debt to EBITDA	5.00	4.31	4.11	3.18	1.96	2.53	6.08	3.46	2.88	2.65	1.51
Debt to NOPAT	54.35	-18.13	-0.39	7.26	9.28	11.98	-7.42	15.81	5.64	5.25	4.05
Net Debt to NOPAT	27.64	-7.83	-0.25	1.96	1.83	2.09	2.77	-4.45	0.66	1.22	1.02
Long-Term Debt to NOPAT	49.72	-18.13	-0.39	7.26	5.05	11.97	-7.41	15.81	5.64	4.75	2.77
Altman Z-Score	2.06	1.72	2.69	2.83	2.45	2.63	1.69	1.88	2.10	2.14	2.41
Noncontrolling Interest Sharing Ratio	3.90%	2.78%	1.50%	-0.26%	-0.41%	-0.22%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	4.28	2.46	5.08	8.00	2.88	6.65	4.48	3.94	4.21	3.75	2.71
Quick Ratio	1.99	1.19	2.90	5.05	1.99	3.99	3.29	5.54	2.72	2.43	1.65
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-8.52	401	-842	77	-40	55	197	-63	-38	-32	24
Operating Cash Flow to CapEx	605.70%	334.70%	513.95%	202.66%	219.85%	266.53%	172.05%	196.76%	208.61%	251.78%	321.42%
Free Cash Flow to Firm to Interest Expense	-1.08	24.47	-51.09	2.78	-1.42	1.68	8.78	-2.84	-3.83	-1.96	1.75
Operating Cash Flow to Interest Expense	9.44	4.85	4.13	1.82	3.20	3.17	2.18	2.09	6.67	6.19	8.36
Operating Cash Flow Less CapEx to Interest Expense	7.88	3.40	3.33	0.92	1.74	1.98	0.91	1.03	3.47	3.73	5.76
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.54	0.55	0.67	0.75	0.72	0.73	0.72	0.59	0.68	0.75	0.78
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	2.29	2.42	2.29	2.11	2.06	2.04	2.71	2.71	2.73	2.76	2.67
Fixed Asset Turnover	6.71	8.01	11.04	12.85	12.34	12.02	13.23	13.17	16.04	16.81	17.33
Accounts Payable Turnover	3.68	3.09	3.11	4.26	5.53	5.19	5.00	3.46	4.10	5.29	5.73
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	159.66	150.99	159.58	173.20	177.42	179.17	134.46	269.62	133.84	132.18	136.46
Days Payable Outstanding (DPO)	99.08	117.95	117.23	85.72	65.97	70.31	73.01	105.42	89.08	69.02	63.71
Cash Conversion Cycle (CCC)	60.58	33.04	42.35	87.48	111.46	108.86	61.45	58.79	44.76	63.15	72.74
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	1,068	656	775	737	821	787	555	635	729	830	887
Invested Capital Turnover	0.70	0.84	1.02	0.99	1.04	1.05	1.23	1.23	1.30	1.35	1.35
Increase / (Decrease) in Invested Capital	16	-412	119	-38	84	-35	-231	80	94	101	57
Enterprise Value (EV)	772	436	777	590	662	400	183	387	473	538	696
Market Capitalization	531	331	597	516	583	358	277	424	437	454	614
Book Value per Share	$15.53	$12.23	$11.02	$12.20	$13.64	$13.44	$11.79	$11.99	$12.22	$13.54	$14.70
Tangible Book Value per Share	$7.83	$6.96	$5.75	$6.91	$7.13	$6.79	$6.05	$5.79	$6.15	$6.99	$8.03
Total Capital	1,284	874	878	945	1,156	984	900	936	1,005	1,106	1,132
Total Debt	429	198	284	285	417	239	251	264	313	360	327
Total Long-Term Debt	392	198	284	285	227	238	251	264	313	326	224
Net Debt	218	86	181	77	82	42	-94	-37	37	84	82
Capital Expenditures (CapEx)	12	24	13	25	40	39	29	24	32	40	35
Debt-free, Cash-free Net Working Capital (DFCFNWC)	404	247	321	344	394	352	148	192	277	333	383
Debt-free Net Working Capital (DFNWC)	523	304	387	508	680	515	461	456	491	562	563
Net Working Capital (NWC)	487	304	387	508	489	515	461	456	491	528	460
Net Nonoperating Expense (NNE)	82	83	-635	9.49	8.61	19	35	8.10	5.34	30	-2.21
Net Nonoperating Obligations (NNO)	213	-20	181	77	82	42	-94	-37	37	84	82
Total Depreciation and Amortization (D&A)	61	64	41	36	43	49	90	44	34	34	35
Debt-free, Cash-free Net Working Capital to Revenue	54.22%	34.36%	44.00%	45.99%	48.55%	41.60%	18.04%	26.34%	31.25%	31.75%	32.96%
Debt-free Net Working Capital to Revenue	70.15%	42.17%	53.00%	67.97%	83.68%	60.77%	56.03%	124.95%	55.44%	53.57%	48.44%
Net Working Capital to Revenue	65.25%	42.17%	53.00%	67.97%	60.26%	60.75%	56.00%	62.47%	55.44%	50.31%	39.57%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($0.84)	($1.59)	$0.00	$0.00	$0.00	$0.00	$0.00	$0.15	$0.89	$0.69	$1.51
Adjusted Weighted Average Basic Shares Outstanding	54.15M	54.37M	54.43M	54.26M	54.46M	0.00	55.31M	55.74M	56.50M	55.59M	54.94M
Adjusted Diluted Earnings per Share	($0.84)	($1.59)	$0.00	$0.00	$0.00	$0.00	$0.00	$0.15	$0.70	$0.53	$1.10
Adjusted Weighted Average Diluted Shares Outstanding	54.29M	54.37M	54.08M	54.37M	57.90M	0.00	55.31M	55.95M	82.40M	80.87M	84.45M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	53.58M	54.84M	54.08M	54.40M	54.58M	0.00	55.30M	56.06M	56.31M	54.72M	54.47M
Normalized Net Operating Profit after Tax (NOPAT)	17	1.03	22	39	45	33	4.40	17	55	72	81
Normalized NOPAT Margin	2.32%	0.14%	2.98%	5.25%	5.53%	3.88%	0.53%	2.30%	6.21%	6.87%	7.01%
Pre Tax Income Margin	1.06%	-9.20%	0.05%	5.71%	6.84%	0.49%	-8.52%	4.40%	7.64%	4.92%	9.95%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	2.21	-1.09	1.70	1.92	2.61	1.40	-2.15	1.44	7.53	5.41	8.38
NOPAT to Interest Expense	1.00	-0.67	-43.89	1.41	1.61	0.61	-1.51	0.75	5.57	4.17	5.95
EBIT Less CapEx to Interest Expense	0.65	-2.53	0.89	1.02	1.15	0.21	-3.42	0.75	4.33	2.96	5.78
NOPAT Less CapEx to Interest Expense	-0.56	-2.11	-44.69	0.51	0.16	-0.58	-2.78	-0.31	2.37	1.71	3.35
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	-56.29%	-34.40%	-13.29%	0.00%	0.00%	0.00%	-7.53%	0.00%	4.07%	44.17%	14.45%

This table displays calculated financial ratios and metrics derived from EZCORP's official financial filings.

Metric	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	21.29%	19.61%	19.65%	18.52%	15.88%	13.49%	10.53%	10.01%	8.90%	6.73%	7.24%
EBITDA Growth	250.30%	21.67%	10.65%	32.45%	-11.82%	25.75%	3.11%	6.43%	61.02%	7.22%	18.34%
EBIT Growth	83.85%	27.51%	11.83%	49.11%	-11.69%	31.16%	3.00%	8.38%	100.76%	9.66%	24.99%
NOPAT Growth	209.78%	18.05%	4.50%	38.62%	55.90%	44.98%	9.32%	-1.90%	16.38%	12.26%	23.53%
Net Income Growth	372.44%	6.72%	-145.61%	49.18%	39.74%	69.69%	416.33%	-1.49%	48.21%	8.94%	18.21%
EPS Growth	500.00%	19.05%	-160.00%	41.18%	33.33%	44.00%	341.67%	4.17%	25.00%	11.11%	13.79%
Operating Cash Flow Growth	35.48%	29.39%	63.10%	53.37%	52.57%	84.10%	-57.15%	22.68%	57.44%	21.00%	145.15%
Free Cash Flow Firm Growth	-10.88%	-43.87%	9.85%	14.14%	-2.95%	44.82%	22.44%	34.33%	52.13%	50.33%	89.81%
Invested Capital Growth	14.76%	15.92%	16.11%	13.71%	13.84%	9.83%	11.53%	8.63%	6.89%	6.51%	3.75%
Revenue Q/Q Growth	8.14%	13.25%	-2.23%	-1.01%	5.73%	10.91%	-4.78%	-1.48%	4.67%	8.70%	-4.33%
EBITDA Q/Q Growth	13.31%	48.31%	-5.08%	-16.96%	-24.56%	111.50%	-22.17%	-14.29%	14.14%	40.83%	-14.10%
EBIT Q/Q Growth	9.15%	88.71%	-6.42%	-22.65%	-35.35%	180.26%	-26.51%	-18.60%	19.74%	53.09%	-16.23%
NOPAT Q/Q Growth	-34.74%	132.76%	-3.11%	-5.81%	-26.61%	116.45%	-26.94%	-15.48%	-12.93%	108.80%	-19.61%
Net Income Q/Q Growth	-39.93%	128.68%	-140.47%	368.37%	-43.73%	177.67%	-24.56%	-16.43%	-15.34%	104.11%	-18.14%
EPS Q/Q Growth	-29.41%	108.33%	-148.00%	300.00%	-33.33%	125.00%	-19.44%	-13.79%	-20.00%	100.00%	-17.50%
Operating Cash Flow Q/Q Growth	0.68%	-35.33%	201.33%	-21.84%	0.16%	-21.96%	-29.86%	123.77%	28.53%	-40.02%	42.11%
Free Cash Flow Firm Q/Q Growth	7.35%	-1.38%	-1.80%	10.21%	-11.09%	45.67%	-43.11%	23.98%	19.02%	43.62%	70.64%
Invested Capital Q/Q Growth	3.24%	5.83%	-0.12%	4.20%	3.36%	2.09%	1.44%	1.49%	1.70%	1.74%	-1.19%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	58.95%	57.69%	57.73%	58.16%	58.92%	57.53%	58.67%	59.24%	59.54%	57.91%	58.26%
EBITDA Margin	10.64%	13.94%	13.53%	11.35%	8.10%	15.45%	12.62%	10.98%	11.98%	15.52%	13.93%
Operating Margin	6.38%	10.69%	10.34%	8.06%	6.12%	12.36%	9.55%	7.87%	8.83%	13.10%	11.18%
EBIT Margin	6.47%	10.77%	10.31%	8.06%	4.93%	12.45%	9.61%	7.94%	9.08%	12.79%	11.20%
Profit (Net Income) Margin	3.14%	6.35%	-2.63%	7.12%	3.79%	9.49%	7.52%	6.38%	5.16%	9.69%	8.29%
Tax Burden Percent	55.75%	68.38%	92.51%	85.51%	78.12%	75.51%	74.97%	78.04%	57.89%	74.95%	73.78%
Interest Burden Percent	87.21%	86.16%	-27.54%	103.36%	98.48%	100.94%	104.37%	102.93%	98.11%	101.03%	100.29%
Effective Tax Rate	44.25%	31.62%	0.00%	14.49%	21.88%	24.49%	25.03%	21.96%	42.11%	25.05%	26.22%
Return on Invested Capital (ROIC)	4.62%	9.46%	9.82%	9.24%	6.44%	12.51%	9.77%	8.35%	6.92%	13.26%	11.33%
ROIC Less NNEP Spread (ROIC-NNEP)	335.27%	2.85%	-100.36%	10.67%	1.99%	13.19%	11.53%	9.33%	7.09%	12.71%	11.58%
Return on Net Nonoperating Assets (RNNOA)	-0.14%	0.16%	-3.35%	0.63%	0.17%	1.23%	0.89%	0.81%	0.76%	1.20%	0.69%
Return on Equity (ROE)	4.48%	9.62%	6.47%	9.87%	6.60%	13.74%	10.66%	9.16%	7.68%	14.46%	12.02%
Cash Return on Invested Capital (CROIC)	-5.61%	-6.61%	-6.99%	-4.58%	-4.14%	0.29%	-1.21%	1.11%	2.76%	3.33%	6.49%
Operating Return on Assets (OROA)	4.38%	7.47%	7.37%	5.85%	3.67%	9.37%	7.30%	6.09%	7.13%	10.15%	8.07%
Return on Assets (ROA)	2.13%	4.40%	-1.88%	5.17%	2.82%	7.14%	5.71%	4.89%	4.05%	7.68%	5.97%
Return on Common Equity (ROCE)	4.48%	9.62%	6.47%	9.87%	6.60%	13.74%	10.66%	9.16%	7.68%	14.46%	12.02%
Return on Equity Simple (ROE_SIMPLE)	0.00%	7.26%	4.15%	4.81%	0.00%	6.47%	9.80%	9.75%	0.00%	10.39%	10.52%
Net Operating Profit after Tax (NOPAT)	8.30	19	19	18	13	28	20	17	15	31	25
NOPAT Margin	3.56%	7.31%	7.24%	6.89%	4.78%	9.33%	7.16%	6.14%	5.11%	9.82%	8.25%
Net Nonoperating Expense Percent (NNEP)	-330.65%	6.60%	110.17%	-1.42%	4.45%	-0.68%	-1.75%	-0.98%	-0.17%	0.55%	-0.25%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-	-	2.47%	-	-	-	2.73%	1.72%
Cost of Revenue to Revenue	41.05%	42.31%	42.27%	41.84%	41.08%	42.47%	41.33%	40.76%	40.46%	42.09%	41.74%
SG&A Expenses to Revenue	48.55%	43.99%	45.23%	48.01%	48.11%	42.37%	46.51%	48.47%	47.62%	42.20%	44.45%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	52.58%	47.01%	47.38%	50.10%	52.80%	45.17%	49.12%	51.37%	50.71%	44.81%	47.08%
Earnings before Interest and Taxes (EBIT)	15	28	27	21	13	37	27	22	27	41	34
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	25	37	35	29	22	46	36	31	35	50	43
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.63	0.65	0.67	0.63	0.61	0.62	0.78	0.72	0.76	0.81	0.95
Price to Tangible Book Value (P/TBV)	1.25	1.32	1.36	1.23	1.18	1.16	1.46	1.33	1.40	1.44	1.65
Price to Revenue (P/Rev)	0.49	0.50	0.49	0.46	0.43	0.44	0.56	0.51	0.53	0.56	0.67
Price to Earnings (P/E)	8.71	9.02	16.20	13.06	11.81	9.60	7.97	7.36	7.38	7.77	9.03
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	11.48%	11.09%	6.17%	7.65%	8.47%	10.42%	12.55%	13.59%	13.54%	12.87%	11.07%
Enterprise Value to Invested Capital (EV/IC)	0.65	0.68	0.70	0.66	0.65	0.65	0.80	0.74	0.78	0.82	0.95
Enterprise Value to Revenue (EV/Rev)	0.53	0.57	0.55	0.52	0.51	0.51	0.61	0.57	0.60	0.63	0.71
Enterprise Value to EBITDA (EV/EBITDA)	4.36	4.58	4.52	4.20	4.38	4.19	5.13	4.78	4.68	4.90	5.35
Enterprise Value to EBIT (EV/EBIT)	6.30	6.50	6.38	5.81	6.04	5.65	6.92	6.43	6.11	6.33	6.82
Enterprise Value to NOPAT (EV/NOPAT)	8.53	9.02	9.45	8.48	7.84	7.08	8.65	8.22	8.60	8.83	9.53
Enterprise Value to Operating Cash Flow (EV/OCF)	7.12	7.63	6.48	5.72	5.29	4.96	7.47	6.60	6.13	6.30	6.06
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	233.18	0.00	69.23	29.33	25.56	14.94
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.45	0.51	0.50	0.49	0.48	0.47	0.45	0.45	0.41	0.40	0.73
Long-Term Debt to Equity	0.45	0.51	0.50	0.49	0.44	0.42	0.41	0.28	0.28	0.27	0.61
Financial Leverage	0.00	0.06	0.03	0.06	0.08	0.09	0.08	0.09	0.11	0.09	0.06
Leverage Ratio	1.92	1.97	1.96	1.96	1.96	1.95	1.94	1.93	1.91	1.86	2.02
Compound Leverage Factor	1.67	1.70	-0.54	2.02	1.93	1.97	2.02	1.98	1.87	1.88	2.03
Debt to Total Capital	31.13%	33.73%	33.52%	32.74%	32.56%	31.75%	31.08%	31.07%	28.92%	28.46%	42.15%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	3.10%	3.02%	2.96%	11.81%	9.11%	8.96%	7.02%
Long-Term Debt to Total Capital	31.13%	33.73%	33.52%	32.74%	29.47%	28.73%	28.12%	19.26%	19.81%	19.50%	35.13%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	68.87%	66.27%	66.48%	67.26%	67.44%	68.25%	68.92%	68.93%	71.08%	71.54%	57.85%
Debt to EBITDA	2.88	3.12	3.03	2.86	2.93	2.73	2.71	2.67	2.20	2.16	3.91
Net Debt to EBITDA	0.34	0.57	0.49	0.51	0.68	0.55	0.44	0.52	0.55	0.52	0.25
Long-Term Debt to EBITDA	2.88	3.12	3.03	2.86	2.65	2.47	2.45	1.66	1.51	1.48	3.26
Debt to NOPAT	5.64	6.14	6.33	5.78	5.25	4.61	4.57	4.60	4.05	3.89	6.97
Net Debt to NOPAT	0.66	1.13	1.02	1.02	1.22	0.92	0.74	0.90	1.02	0.93	0.45
Long-Term Debt to NOPAT	5.64	6.14	6.33	5.78	4.75	4.17	4.13	2.85	2.77	2.66	5.81
Altman Z-Score	1.95	1.99	2.01	2.00	1.97	2.09	2.21	2.11	2.22	2.36	2.17
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	4.21	4.77	4.72	4.74	3.75	4.00	4.17	2.59	2.71	2.91	4.04
Quick Ratio	2.72	3.00	3.09	3.12	2.43	2.57	2.68	1.68	1.65	1.77	2.91
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-85	-87	-88	-79	-88	-48	-68	-52	-42	-24	-6.97
Operating Cash Flow to CapEx	130.78%	162.46%	312.33%	295.12%	216.82%	299.01%	232.87%	1,048.38%	221.41%	463.38%	441.99%
Free Cash Flow to Firm to Interest Expense	-36.81	-13.99	-26.01	-23.19	-25.41	-13.89	-20.10	-14.69	-13.14	-7.54	-2.12
Operating Cash Flow to Interest Expense	7.77	1.89	10.37	8.05	7.95	6.24	4.43	9.53	13.53	8.26	11.26
Operating Cash Flow Less CapEx to Interest Expense	1.83	0.72	7.05	5.32	4.28	4.16	2.53	8.62	7.42	6.48	8.71
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.68	0.69	0.71	0.73	0.75	0.75	0.76	0.77	0.78	0.79	0.72
Accounts Receivable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	2.73	2.77	2.98	2.95	2.76	2.83	2.96	2.88	2.67	2.67	2.68
Fixed Asset Turnover	16.04	17.24	17.57	17.86	16.81	17.41	18.07	18.68	17.33	17.87	18.87
Accounts Payable Turnover	4.10	5.24	5.66	5.61	5.29	6.53	6.84	6.54	5.73	7.05	7.43
Days Sales Outstanding (DSO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	133.84	131.90	122.29	123.84	132.18	128.81	123.50	126.59	136.46	136.65	136.45
Days Payable Outstanding (DPO)	89.08	69.67	64.45	65.02	69.02	55.91	53.35	55.84	63.71	51.77	49.14
Cash Conversion Cycle (CCC)	44.76	62.23	57.84	58.82	63.15	72.90	70.15	70.74	72.74	84.88	87.31
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	729	771	770	803	830	847	859	872	887	902	891
Invested Capital Turnover	1.30	1.29	1.36	1.34	1.35	1.34	1.36	1.36	1.35	1.35	1.37
Increase / (Decrease) in Invested Capital	94	106	107	97	101	76	89	69	57	55	32
Enterprise Value (EV)	473	528	536	528	538	554	684	646	696	744	849
Market Capitalization	437	462	479	464	454	481	625	575	614	666	809
Book Value per Share	$12.22	$12.53	$12.80	$13.34	$13.54	$14.07	$14.51	$14.59	$14.70	$15.13	$15.50
Tangible Book Value per Share	$6.15	$6.21	$6.34	$6.80	$6.99	$7.52	$7.76	$7.87	$8.03	$8.48	$8.91
Total Capital	1,005	1,064	1,072	1,099	1,106	1,135	1,161	1,163	1,132	1,152	1,472
Total Debt	313	359	359	360	360	361	361	361	327	328	621
Total Long-Term Debt	313	359	359	360	326	326	327	224	224	225	517
Net Debt	37	66	58	64	84	72	59	71	82	78	40
Capital Expenditures (CapEx)	14	7.18	11	9.31	13	7.18	6.47	3.22	20	5.61	8.36
Debt-free, Cash-free Net Working Capital (DFCFNWC)	277	307	290	314	333	346	346	366	383	405	392
Debt-free Net Working Capital (DFNWC)	491	523	541	561	562	573	583	593	563	589	906
Net Working Capital (NWC)	491	523	541	561	528	539	549	456	460	486	803
Net Nonoperating Expense (NNE)	0.96	2.54	26	-0.60	2.68	-0.47	-1.02	-0.66	-0.14	0.42	-0.12
Net Nonoperating Obligations (NNO)	37	66	58	64	84	72	59	71	82	78	40
Total Depreciation and Amortization (D&A)	9.75	8.37	8.32	8.43	8.58	8.98	8.61	8.56	8.52	8.72	8.36
Debt-free, Cash-free Net Working Capital to Revenue	31.25%	33.07%	29.80%	31.05%	31.75%	31.94%	31.10%	32.17%	32.96%	34.29%	32.56%
Debt-free Net Working Capital to Revenue	55.44%	56.31%	55.69%	55.41%	53.57%	52.87%	52.47%	52.15%	48.44%	49.85%	75.37%
Net Working Capital to Revenue	55.44%	56.31%	55.69%	55.41%	50.31%	49.71%	49.38%	40.08%	39.57%	41.12%	66.77%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.13	$0.30	($0.12)	$0.33	$0.18	$0.52	$0.39	$0.33	$0.27	$0.57	$0.46
Adjusted Weighted Average Basic Shares Outstanding	56.50M	56.31M	55.65M	55.37M	55.59M	55.08M	55.09M	54.90M	54.94M	54.83M	54.97M
Adjusted Diluted Earnings per Share	$0.12	$0.25	($0.12)	$0.24	$0.16	$0.36	$0.29	$0.25	$0.20	$0.40	$0.33
Adjusted Weighted Average Diluted Shares Outstanding	82.40M	83.78M	55.65M	86.83M	80.87M	86.81M	83.05M	83.01M	84.45M	83.35M	83.14M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	56.31M	55.65M	55.42M	55.07M	54.72M	55.15M	54.94M	54.74M	54.47M	54.94M	55.01M
Normalized Net Operating Profit after Tax (NOPAT)	8.31	19	19	18	13	28	20	17	15	31	25
Normalized NOPAT Margin	3.56%	7.30%	7.26%	6.88%	4.83%	9.29%	7.16%	6.15%	5.14%	9.82%	8.25%
Pre Tax Income Margin	5.64%	9.28%	-2.84%	8.33%	4.85%	12.57%	10.03%	8.17%	8.91%	12.93%	11.23%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	6.50	4.60	7.86	6.04	3.85	10.86	8.07	6.31	8.35	13.02	10.46
NOPAT to Interest Expense	3.58	3.12	5.52	5.16	3.74	8.14	6.01	4.89	4.70	9.99	7.70
EBIT Less CapEx to Interest Expense	0.56	3.44	4.54	3.31	0.18	8.77	6.17	5.41	2.24	11.23	7.91
NOPAT Less CapEx to Interest Expense	-2.37	1.96	2.20	2.44	0.07	6.05	4.11	3.98	-1.41	8.21	5.15
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	4.07%	17.70%	44.07%	45.07%	44.17%	25.86%	15.33%	15.37%	14.45%	14.01%	11.16%

Frequently Asked Questions About EZCORP's Financials

When does EZCORP's fiscal year end?

According to the most recent income statement we have on file, EZCORP's financial year ends in September. Their financial year 2024 ended on September 30, 2024.

How has EZCORP's net income changed over the last 10 years?

EZCORP's net income appears to be on a downward trend, with a most recent value of $83.10 million in 2024, falling from -$74.04 million in 2014. The previous period was $38.46 million in 2023. Find out what analysts predict for EZCORP in the coming months.

What is EZCORP's operating income?

EZCORP's total operating income in 2024 was $112.53 million, based on the following breakdown:

Total Gross Profit: $682.27 million
Total Operating Expenses: $569.74 million

How has EZCORP revenue changed over the last 10 years?

Over the last 10 years, EZCORP's total revenue changed from $745.77 million in 2014 to $1.16 billion in 2024, a change of 55.8%.

How much debt does EZCORP have?

EZCORP's total liabilities were at $688.67 million at the end of 2024, a 4.6% decrease from 2023, and a 24.0% increase since 2014.

How much cash does EZCORP have?

In the past 10 years, EZCORP's cash and equivalents has ranged from $55.33 million in 2014 to $304.54 million in 2020, and is currently $170.51 million as of their latest financial filing in 2024.

How has EZCORP's book value per share changed over the last 10 years?

Over the last 10 years, EZCORP's book value per share changed from 15.53 in 2014 to 14.70 in 2024, a change of -5.4%.

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This page (NASDAQ:EZPW) was last updated on 5/5/2025 by MarketBeat.com Staff

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EZCORP (EZPW) Financials

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EZCORP (EZPW) Financials

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