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EZCORP (EZPW) Financials

$33.44 +0.03 (+0.09%)

Closing price 05/6/2026 04:00 PM Eastern

Extended Trading

$36.57 +3.13 (+9.37%)

As of 09:06 AM Eastern

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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	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	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	9/30/2025
Net Income / (Loss) Attributable to Common Shareholders	-89	-81	31	37	2.54	-68	8.61	50	38	83	110
Consolidated Net Income / (Loss)	-94	-88	30	36	1.31	-68	8.61	50	38	83	110
Net Income / (Loss) Continuing Operations	-52	-9.00	32	37	1.77	-68	8.61	50	38	83	110
Total Pre-Tax Income	-66	0.36	43	56	4.17	-70	16	68	52	116	147
Total Operating Income	-16	29	53	67	47	-48	31	75	92	113	149
Total Gross Profit	403	428	436	482	494	449	449	528	610	682	746
Total Revenue	720	731	748	812	847	823	730	886	1,049	1,162	1,274
Operating Revenue	707	731	748	812	847	823	730	886	1,049	1,162	1,274
Total Cost of Revenue	317	302	310	331	353	374	280	358	439	479	528
Operating Cost of Revenue	317	302	310	331	353	374	280	358	439	479	528
Total Operating Expenses	419	399	382	414	447	498	418	453	518	570	597
Selling, General & Admin Expense	368	369	358	388	414	411	387	422	486	537	565
Depreciation Expense	31	27	24	25	29	31	31	32	32	33	33
Impairment Charge	-	-	-	0.00	0.00	55	0.00	0.00	4.34	0.84	0.88
Other Special Charges / (Income)	-	-	-	-	-	-	0.08	-0.67	0.21	-0.02	0.14
Total Other Income / (Expense), net	-51	-29	-10	-12	-43	-22	-15	-7.21	-41	3.08	-2.40
Interest Expense	16	16	28	28	33	22	22	9.97	16	14	23
Interest & Investment Income	-32	-11	17	11	-8.77	0.74	6.28	2.60	-21	15	21
Other Income / (Expense), net	-2.19	-1.20	0.42	5.39	-1.42	0.02	0.79	0.17	-3.07	1.38	-0.24
Income Tax Expense	-14	9.36	11	18	2.41	-1.63	7.45	18	13	33	37
Basic Earnings per Share	-	-	-	-	$0.05	($1.24)	$0.15	$0.89	$0.69	$1.51	$1.91
Weighted Average Basic Shares Outstanding	54.37M	54.43M	54.26M	54.46M	55.34M	55.31M	55.74M	56.50M	55.59M	54.94M	57.47M
Diluted Earnings per Share	-	-	-	-	$0.05	($1.24)	$0.15	$0.70	$0.53	$1.10	$1.42
Weighted Average Diluted Shares Outstanding	54.37M	54.43M	54.37M	57.90M	55.98M	55.31M	55.95M	82.40M	80.87M	84.45M	83.38M
Weighted Average Basic & Diluted Shares Outstanding	54.84M	54.08M	54.40M	54.58M	55.54M	55.30M	56.06M	56.31M	54.72M	54.47M	60.89M

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 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	10	28	21	18	15	31	25	27	27	44	49
Consolidated Net Income / (Loss)	10	28	21	18	15	31	25	27	27	44	50
Net Income / (Loss) Continuing Operations	10	28	21	18	15	31	25	27	27	44	50
Total Pre-Tax Income	13	38	29	23	26	41	34	35	36	59	65
Total Operating Income	17	37	27	22	26	42	34	36	37	61	68
Total Gross Profit	159	173	168	167	175	185	178	184	199	223	260
Total Revenue	270	300	286	281	295	320	306	311	337	382	447
Operating Revenue	270	300	286	281	295	320	306	311	337	382	447
Total Cost of Revenue	111	127	118	115	119	135	128	127	138	159	187
Operating Cost of Revenue	111	127	118	115	119	135	128	127	138	159	187
Total Operating Expenses	143	135	140	145	149	143	144	148	162	162	192
Selling, General & Admin Expense	130	127	133	136	140	135	136	141	152	154	183
Depreciation Expense	8.15	8.57	8.22	8.16	8.13	8.34	8.02	8.00	8.18	8.76	9.59
Other Special Charges / (Income)	0.18	-0.17	0.00	0.02	0.13	0.01	0.02	0.00	0.11	0.09	0.00
Total Other Income / (Expense), net	-3.43	0.62	1.36	0.85	0.25	-0.56	0.16	-1.28	-0.72	-1.44	-2.36
Interest Expense	3.46	3.44	3.40	3.54	3.20	3.15	3.28	8.46	8.14	8.17	8.35
Interest & Investment Income	3.26	3.79	4.60	4.19	2.70	3.57	3.38	6.64	7.28	6.64	3.75
Other Income / (Expense), net	-3.23	0.27	0.17	0.19	0.75	-0.98	0.07	0.54	0.14	0.09	2.24
Income Tax Expense	2.87	9.24	7.17	5.05	11	10	9.02	8.21	9.56	15	16
Net Income / (Loss) Attributable to Noncontrolling Interest	-	-	-	-	-	-	0.00	-	-	-	0.48
Basic Earnings per Share	$0.18	$0.52	$0.39	$0.33	$0.27	$0.57	$0.46	$0.45	$0.43	$0.72	$0.80
Weighted Average Basic Shares Outstanding	55.59M	55.08M	55.09M	54.90M	54.94M	54.83M	54.97M	59.13M	57.47M	61.24M	61.65M
Diluted Earnings per Share	$0.16	$0.36	$0.29	$0.25	$0.20	$0.40	$0.33	$0.34	$0.35	$0.55	$0.61
Weighted Average Diluted Shares Outstanding	80.87M	86.81M	83.05M	83.01M	84.45M	83.35M	83.14M	82.92M	83.38M	83.28M	83.41M
Weighted Average Basic & Diluted Shares Outstanding	54.72M	55.15M	54.94M	54.74M	54.47M	54.94M	55.01M	60.90M	60.89M	61.70M	61.54M

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	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	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	9/30/2025
Net Change in Cash & Equivalents	3.80	6.61	91	122	-123	150	-49	-49	15	-49	305
Net Cash From Operating Activities	79	68	51	89	104	49	46	67	102	114	149
Net Cash From Continuing Operating Activities	79	68	51	89	104	49	46	67	102	114	149
Net Income / (Loss) Continuing Operations	-94	-88	30	36	1.31	-68	8.61	50	38	83	110
Consolidated Net Income / (Loss)	-94	-88	30	36	1.31	-68	8.61	50	38	83	110
Depreciation Expense	37	29	24	25	29	31	31	32	32	33	33
Amortization Expense	27	12	12	18	20	59	14	1.43	1.56	1.61	1.73
Non-Cash Adjustments To Reconcile Net Income	129	117	1.68	9.35	32	65	34	58	98	64	73
Changes in Operating Assets and Liabilities, net	-19	-1.72	-17	0.26	22	-37	-41	-75	-68	-68	-68
Net Cash From Investing Activities	-68	3.02	-13	-134	-28	110	-85	-113	-111	-112	-118
Net Cash From Continuing Investing Activities	-68	3.02	-13	-134	-28	110	-85	-113	-111	-112	-118
Purchase of Property, Plant & Equipment	-24	-13	-25	-40	-39	-29	-24	-32	-40	-36	-39
Acquisitions	-20	-6.00	-2.25	-107	-8.12	0.00	-19	-1.85	-15	-12	-21
Purchase of Investments	-	-	-	-	-	0.00	0.00	-23	-17	-17	-0.79
Sale of Property, Plant & Equipment	-	-	-	-	-	-	-	0.00	0.00	0.42	0.00
Sale and/or Maturity of Investments	0.00	0.00	29	32	34	8.00	0.00	0.00	3.59	3.54	3.61
Other Investing Activities, net	-24	-13	-16	-19	-15	130	-42	-56	-42	-51	-61
Net Cash From Financing Activities	2.40	-63	53	168	-198	-6.25	-16	-2.83	24	-50	274
Net Cash From Continuing Financing Activities	2.40	-63	53	168	-198	-6.25	-16	-2.83	24	-50	274
Repayment of Debt	-31	-104	-85	-3.51	-196	-0.20	-15	0.00	-188	-34	-14
Repurchase of Common Equity	-32	-12	-	0.00	0.00	-5.16	0.00	-2.04	-17	-12	-7.00
Issuance of Debt	70	64	140	171	1.06	0.91	0.00	0.00	230	0.00	300
Other Financing Activities, net	-3.90	-12	-0.77	-0.31	-3.29	-1.81	-0.84	-0.79	-1.42	-3.79	-4.58
Effect of Exchange Rate Changes	-10	-1.35	0.72	-0.65	-0.51	-2.61	5.50	0.33	-0.04	-0.73	-0.64

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 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	-18	-1.98	11	-10	-47	4.09	331	-28	-2.36	1.41	-116
Net Cash From Operating Activities	28	21	15	34	43	26	37	35	51	39	48
Net Cash From Continuing Operating Activities	28	21	15	34	43	26	37	35	51	39	48
Net Income / (Loss) Continuing Operations	10	28	21	18	15	31	25	27	27	44	50
Consolidated Net Income / (Loss)	10	28	21	18	15	31	25	27	27	44	50
Depreciation Expense	8.15	8.57	8.22	8.16	8.13	8.34	8.02	8.00	8.18	8.76	9.59
Amortization Expense	0.43	0.42	0.39	0.41	0.39	0.38	0.34	0.51	0.49	0.48	0.45
Non-Cash Adjustments To Reconcile Net Income	17	13	19	16	16	17	24	17	15	15	26
Changes in Operating Assets and Liabilities, net	-8.19	-29	-34	-8.53	4.02	-30	-21	-17	0.63	-29	-37
Net Cash From Investing Activities	-40	-17	-1.38	-41	-53	-14	-0.74	-51	-52	-31	-27
Net Cash From Continuing Investing Activities	-40	-17	-1.38	-41	-53	-14	-0.74	-51	-52	-31	-27
Purchase of Property, Plant & Equipment	-13	-7.18	-6.47	-3.22	-19	-5.61	-8.36	-9.09	-16	-7.46	-10
Acquisitions	-1.91	-	-7.93	-3.35	-0.15	0.00	-	-17	-3.60	-9.15	-16
Purchase of Investments	-	-15	-0.85	-0.14	-0.82	0.00	-0.51	-0.21	-0.07	-7.17	-0.06
Other Investing Activities, net	-29	3.58	14	-37	-32	-10	8.20	-27	-32	-8.99	0.38
Net Cash From Financing Activities	-3.28	-6.39	-3.15	-3.11	-38	-7.10	294	-11	-1.19	-6.52	-139
Net Cash From Continuing Financing Activities	-3.28	-6.39	-3.15	-3.11	-38	-7.10	294	-11	-1.19	-6.52	-139
Repurchase of Common Equity	-3.01	-3.01	-3.00	-3.00	-3.00	-3.00	-1.00	-2.00	-1.00	0.00	-4.01
Other Financing Activities, net	-0.27	-3.39	-0.14	-0.11	-0.15	-4.10	-0.14	-0.18	-0.16	-6.52	-0.37
Effect of Exchange Rate Changes	-1.46	-0.21	0.16	-0.07	-0.62	-0.76	1.09	-0.35	-0.61	-0.26	0.64

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	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	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	9/30/2025
Total Assets	1,189	983	1,024	1,242	1,084	1,197	1,267	1,348	1,468	1,493	1,951
Total Current Assets	511	482	581	749	606	593	611	644	720	729	1,126
Cash & Equivalents	56	66	164	285	158	305	254	206	221	171	470
Restricted Cash	-	-	-	-	4.88	8.01	9.96	8.34	8.37	9.29	0.53
Note & Lease Receivable	160	209	202	233	206	131	176	210	246	274	307
Inventories, net	124	140	154	167	179	96	111	152	166	192	248
Prepaid Expenses	25	36	29	33	26	33	31	35	40	39	51
Other Current Assets	-	31	32	31	32	21	29	33	39	44	49
Plant, Property, & Equipment, net	74	58	58	74	67	57	54	57	68	66	75
Total Noncurrent Assets	604	443	385	419	411	547	602	647	680	698	750
Long-Term Investments	56	37	43	50	35	32	38	62	47	65	70
Goodwill	252	254	255	299	301	258	286	287	302	306	325
Intangible Assets	31	31	32	55	68	59	62	57	58	58	59
Noncurrent Deferred & Refundable Income Taxes	34	35	17	7.99	2.00	8.93	9.75	12	26	25	29
Other Noncurrent Operating Assets	14	44	9.72	3.86	4.38	188	206	228	12	243	267
Total Liabilities & Shareholders' Equity	1,189	983	1,024	1,242	1,084	1,197	1,267	1,348	1,468	1,493	1,951
Total Liabilities	517	389	364	502	339	548	595	656	722	689	926
Total Current Liabilities	208	95	73	260	91	132	155	153	192	269	201
Short-Term Debt	-	-	0.00	190	0.21	0.21	-	0.00	34	103	0.00
Accounts Payable	110	84	62	58	78	72	90	85	82	86	105
Customer Deposits	10	11	11	12	13	11	13	16	19	22	34
Other Current Liabilities	-	-	-	-	0.00	50	52	52	57	59	61
Total Noncurrent Liabilities	310	294	292	242	248	415	440	503	530	419	725
Long-Term Debt	198	284	285	227	238	251	264	313	326	224	518
Noncurrent Deferred & Payable Income Tax Liabilities	-	-	0.00	8.82	1.99	0.52	3.68	0.37	0.44	2.08	2.57
Other Noncurrent Operating Liabilities	9.93	10	7.06	6.89	7.30	164	172	190	204	193	205
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	656	594	660	739	745	649	672	692	746	805	1,025
Total Preferred & Common Equity	656	595	662	743	745	649	672	692	746	805	1,025
Total Common Equity	656	595	662	743	745	649	672	692	746	805	1,025
Common Stock	311	319	349	398	408	399	404	346	347	349	452
Retained Earnings	401	320	352	387	389	318	327	402	431	507	613
Accumulated Other Comprehensive Income / (Loss)	-55	-44	-38	-42	-52	-68	-58	-56	-32	-52	-39
Noncontrolling Interest	0.00	-0.78	-2.45	-3.33	-	-	-	-	-	-	0.00

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	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026	Q2 2026
Period end date	12/31/2022	3/31/2023	6/30/2023	12/31/2023	3/31/2024	6/30/2024	12/31/2024	3/31/2025	6/30/2025	12/31/2025	3/31/2026
Total Assets	1,402	1,421	1,458	1,481	1,508	1,510	1,499	1,830	1,883	1,987	2,127
Total Current Assets	662	687	711	719	722	742	740	1,067	1,088	1,145	1,092
Cash & Equivalents	208	243	238	219	229	218	175	505	472	466	354
Restricted Cash	8.36	8.45	8.55	8.47	8.58	9.20	9.39	9.50	9.61	5.35	0.96
Note & Lease Receivable	210	206	229	243	236	262	275	262	292	314	349
Inventories, net	156	150	155	165	163	172	199	208	225	253	276
Prepaid Expenses	46	46	45	44	47	40	37	40	43	56	59
Other Current Assets	35	33	35	40	38	41	45	42	-	50	53
Plant, Property, & Equipment, net	56	60	62	69	63	60	63	64	67	75	87
Total Noncurrent Assets	684	674	685	693	723	708	696	699	728	767	948
Long-Term Investments	77	50	49	61	64	64	65	66	66	78	33
Goodwill	297	300	302	304	311	309	305	305	322	331	474
Intangible Assets	58	60	60	57	62	60	57	57	58	60	125
Noncurrent Deferred & Refundable Income Taxes	12	19	20	26	26	25	25	25	26	30	13
Other Noncurrent Operating Assets	238	244	254	245	260	251	244	245	257	269	303
Total Liabilities & Shareholders' Equity	1,402	1,421	1,458	1,481	1,508	1,510	1,499	1,830	1,883	1,987	2,127
Total Liabilities	697	708	719	706	708	709	675	978	893	917	985
Total Current Liabilities	139	145	150	180	173	286	254	264	172	190	232
Short-Term Debt	0.00	0.00	0.00	34	34	137	103	103	0.00	0.00	0.00
Accounts Payable	70	73	74	69	63	70	69	71	79	96	124
Customer Deposits	16	19	19	18	20	20	24	31	-	33	40
Other Current Liabilities	53	54	57	58	56	59	58	59	60	61	68
Total Noncurrent Liabilities	558	563	569	526	535	423	421	714	721	727	753
Long-Term Debt	359	359	360	326	327	224	225	517	518	519	519
Noncurrent Deferred & Payable Income Tax Liabilities	0.00	0.37	0.35	0.37	0.47	0.42	2.19	1.82	2.02	2.57	2.57
Other Noncurrent Operating Liabilities	199	203	209	200	208	198	195	195	201	206	232
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	705	713	739	775	800	801	824	852	990	1,071	1,142
Total Preferred & Common Equity	705	713	739	775	800	801	824	852	989	1,071	1,120
Total Common Equity	705	713	739	775	800	801	824	852	989	1,071	1,120
Common Stock	344	344	345	344	346	348	346	348	448	449	452
Retained Earnings	415	406	423	458	478	494	536	561	587	657	704
Accumulated Other Comprehensive Income / (Loss)	-53	-37	-29	-27	-23	-40	-59	-58	-45	-35	-36
Noncontrolling Interest	-	-	-	-	-	-	-	0.00	-	-	22

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

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	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	9/30/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-3.46%	1.46%	2.39%	8.58%	4.32%	-2.89%	-11.33%	21.48%	18.37%	10.73%	9.70%
EBITDA Growth	-41.34%	50.05%	29.61%	29.26%	-18.56%	-56.12%	85.02%	42.18%	12.98%	21.02%	23.30%
EBIT Growth	-201.70%	257.23%	91.13%	35.64%	-37.14%	-206.10%	166.08%	134.95%	18.63%	27.87%	30.75%
NOPAT Growth	-238.51%	-6,520.86%	105.43%	14.38%	-55.65%	-270.09%	149.34%	232.10%	23.68%	17.83%	37.73%
Net Income Growth	-27.27%	6.15%	133.65%	21.96%	-96.39%	-5,322.20%	112.58%	482.44%	-23.32%	116.04%	31.91%
EPS Growth	0.00%	0.00%	0.00%	0.00%	0.00%	-2,580.00%	112.10%	366.67%	-24.29%	107.55%	29.09%
Operating Cash Flow Growth	6.29%	-14.22%	-25.61%	75.62%	16.34%	-52.59%	-5.38%	43.28%	53.05%	11.55%	31.15%
Free Cash Flow Firm Growth	4,804.30%	-310.00%	109.17%	-151.25%	238.54%	260.12%	-131.93%	39.33%	15.66%	173.57%	-122.01%
Invested Capital Growth	-38.56%	18.10%	-4.89%	11.46%	-4.25%	-29.40%	14.36%	14.76%	13.84%	6.89%	13.15%
Revenue Q/Q Growth	18.76%	6.89%	-0.34%	2.99%	1.04%	-5.46%	3.64%	4.85%	3.66%	2.12%	3.43%
EBITDA Q/Q Growth	-50.27%	-38.86%	-36.67%	8.32%	-56.35%	-33.31%	-13.45%	61.49%	-2.34%	9.89%	6.09%
EBIT Q/Q Growth	-17.65%	278.11%	-38.86%	-46.02%	-60.32%	-199.75%	1,061.46%	10.09%	-1.94%	13.37%	7.48%
NOPAT Q/Q Growth	-23.25%	-6,740.95%	226.55%	-8.46%	56.07%	-226.79%	779.21%	8.91%	10.28%	2.89%	12.38%
Net Income Q/Q Growth	3.13%	52.11%	33.87%	-22.94%	60.86%	-49.59%	152.90%	13.03%	8.20%	6.32%	11.73%
EPS Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	151.72%	16.67%	8.16%	3.77%	11.81%
Operating Cash Flow Q/Q Growth	-16.83%	-7.11%	10.90%	5.35%	22.31%	-48.29%	79.75%	7.64%	10.27%	16.17%	5.61%
Free Cash Flow Firm Q/Q Growth	-49.93%	-2,000.30%	-62.29%	-44.28%	924.11%	-55.06%	-210.81%	29.16%	6.69%	154.33%	-148.14%
Invested Capital Q/Q Growth	-16.94%	-5.45%	1.06%	1.95%	-3.27%	-4.77%	5.67%	3.24%	3.36%	1.70%	4.50%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	55.98%	58.62%	58.23%	59.29%	58.36%	54.60%	123.22%	59.60%	58.13%	58.74%	58.55%
EBITDA Margin	6.39%	9.45%	11.96%	14.23%	11.11%	5.02%	10.48%	12.26%	11.70%	12.79%	14.38%
Operating Margin	-2.17%	3.99%	7.09%	8.26%	5.55%	-5.88%	8.54%	8.45%	8.78%	9.69%	11.71%
EBIT Margin	-2.47%	3.83%	7.15%	8.93%	5.38%	-5.88%	4.38%	8.47%	8.49%	9.81%	11.69%
Profit (Net Income) Margin	-13.09%	-12.11%	3.98%	4.47%	0.15%	-8.32%	1.18%	5.66%	3.67%	7.15%	8.60%
Tax Burden Percent	142.32%	-24,360.88%	69.73%	65.35%	31.41%	97.67%	53.62%	74.08%	74.49%	71.88%	74.68%
Interest Burden Percent	372.16%	1.30%	79.83%	76.59%	9.16%	144.92%	100.52%	90.18%	57.96%	101.49%	98.55%
Effective Tax Rate	0.00%	2,578.79%	25.99%	33.11%	57.64%	0.00%	92.77%	25.92%	25.51%	28.12%	25.32%
Return on Invested Capital (ROIC)	-1.27%	-101.06%	5.19%	5.76%	2.48%	-5.05%	2.81%	8.14%	8.81%	9.42%	11.79%
ROIC Less NNEP Spread (ROIC-NNEP)	-87.45%	686.68%	-2.17%	-5.05%	-27.60%	127.63%	15.18%	1,846.43%	-41.28%	12.09%	5.85%
Return on Net Nonoperating Assets (RNNOA)	-11.04%	87.13%	-0.45%	-0.57%	-2.30%	-4.77%	-2.85%	-0.79%	-3.46%	1.30%	0.19%
Return on Equity (ROE)	-12.31%	-13.93%	4.75%	5.19%	0.18%	-9.82%	1.30%	7.35%	5.35%	10.72%	11.98%
Cash Return on Invested Capital (CROIC)	46.50%	-117.65%	10.21%	-5.08%	6.82%	29.42%	-10.59%	-5.61%	-4.14%	2.76%	-0.55%
Operating Return on Assets (OROA)	-1.37%	2.58%	5.33%	6.40%	3.92%	-4.24%	2.59%	5.74%	6.33%	7.69%	8.65%
Return on Assets (ROA)	-7.25%	-8.14%	2.96%	3.20%	0.11%	-6.00%	2.06%	3.84%	2.73%	5.61%	6.36%
Return on Common Equity (ROCE)	-11.97%	-13.72%	4.76%	5.21%	0.18%	-9.82%	1.30%	7.35%	5.35%	10.72%	11.98%
Return on Equity Simple (ROE_SIMPLE)	-14.36%	-14.86%	4.49%	4.89%	0.18%	-10.55%	2.56%	7.25%	5.16%	10.33%	0.00%
Net Operating Profit after Tax (NOPAT)	-11	-723	39	45	20	-34	17	56	69	81	111
NOPAT Margin	-1.52%	-98.99%	5.25%	5.53%	2.35%	-4.12%	2.29%	6.26%	6.54%	6.96%	8.74%
Net Nonoperating Expense Percent (NNEP)	86.19%	-787.74%	7.36%	10.81%	30.07%	-132.68%	-12.37%	-1,838.29%	50.09%	-2.66%	5.94%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-	-	-	-	-	-	-	7.22%
Cost of Revenue to Revenue	44.03%	41.38%	41.51%	40.71%	41.64%	45.40%	76.78%	40.40%	41.87%	41.26%	41.45%
SG&A Expenses to Revenue	51.10%	50.58%	47.92%	47.83%	48.89%	49.99%	53.09%	47.59%	46.34%	46.20%	44.31%
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	58.14%	54.63%	51.14%	51.03%	52.81%	60.48%	114.68%	51.14%	49.35%	49.05%	46.84%
Earnings before Interest and Taxes (EBIT)	-18	28	53	73	46	-48	32	75	89	114	149
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	46	69	89	116	94	41	76	109	123	149	183
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.50	1.00	0.78	0.78	0.48	0.43	0.63	0.63	0.61	0.76	1.13
Price to Tangible Book Value (P/TBV)	0.89	1.92	1.37	1.50	0.95	0.83	1.31	1.25	1.18	1.40	1.81
Price to Revenue (P/Rev)	0.46	0.82	0.69	0.72	0.42	0.34	0.58	0.49	0.43	0.53	0.91
Price to Earnings (P/E)	0.00	0.00	16.42	15.63	140.85	0.00	49.27	8.71	11.81	7.38	10.58
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%	6.09%	6.40%	0.71%	0.00%	2.03%	11.48%	8.47%	13.54%	9.45%
Enterprise Value to Invested Capital (EV/IC)	0.67	1.00	0.80	0.81	0.51	0.33	0.61	0.65	0.65	0.78	1.13
Enterprise Value to Revenue (EV/Rev)	0.61	1.06	0.79	0.81	0.47	0.22	0.53	0.53	0.51	0.60	0.89
Enterprise Value to EBITDA (EV/EBITDA)	9.49	11.26	6.60	5.72	4.24	4.44	5.07	4.36	4.38	4.68	6.21
Enterprise Value to EBIT (EV/EBIT)	0.00	27.78	11.04	9.12	8.76	0.00	12.12	6.30	6.04	6.11	7.64
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	15.04	14.73	20.07	0.00	23.17	8.53	7.84	8.60	10.21
Enterprise Value to Operating Cash Flow (EV/OCF)	5.50	11.41	11.65	7.43	3.86	3.73	8.34	7.12	5.29	6.13	7.63
Enterprise Value to Free Cash Flow (EV/FCFF)	1.09	0.00	7.65	0.00	7.29	0.93	0.00	0.00	0.00	29.33	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.29	0.48	0.43	0.56	0.32	0.39	0.39	0.45	0.48	0.41	0.51
Long-Term Debt to Equity	0.29	0.48	0.43	0.31	0.32	0.39	0.79	0.45	0.44	0.28	0.51
Financial Leverage	0.13	0.13	0.21	0.11	0.08	-0.04	-0.10	0.00	0.08	0.11	0.03
Leverage Ratio	1.70	1.71	1.60	1.62	1.57	1.64	3.75	1.92	1.96	1.91	1.88
Compound Leverage Factor	6.32	0.02	1.28	1.24	0.14	2.37	0.94	1.73	1.13	1.94	1.85
Debt to Total Capital	22.66%	32.31%	30.15%	36.05%	24.26%	27.90%	28.21%	31.13%	32.56%	28.92%	33.56%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	16.45%	0.02%	0.02%	0.00%	0.00%	3.10%	9.11%	0.00%
Long-Term Debt to Total Capital	22.66%	32.31%	30.15%	19.61%	24.24%	27.88%	28.21%	31.13%	29.47%	19.81%	33.56%
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	2.26%	-0.09%	-0.26%	-0.29%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	75.08%	67.78%	70.11%	64.23%	75.74%	72.10%	71.79%	68.87%	67.44%	71.08%	66.44%
Debt to EBITDA	4.31	4.11	3.18	3.61	2.53	6.08	3.46	2.88	2.93	2.20	2.83
Net Debt to EBITDA	1.86	2.62	0.86	0.71	0.44	-2.27	-0.78	0.34	0.68	0.55	-0.12
Long-Term Debt to EBITDA	4.31	4.11	3.18	1.96	2.53	6.08	3.46	2.88	2.65	1.51	2.83
Debt to NOPAT	-18.13	-0.39	7.26	9.28	11.98	-7.42	15.81	5.64	5.25	4.05	4.65
Net Debt to NOPAT	-7.83	-0.25	1.96	1.83	2.09	2.77	-4.45	0.66	1.22	1.02	-0.20
Long-Term Debt to NOPAT	-18.13	-0.39	7.26	5.05	11.97	-7.41	15.81	5.64	4.75	2.77	4.65
Altman Z-Score	1.72	2.69	2.83	2.45	2.63	1.69	1.88	2.10	2.14	2.41	2.67
Noncontrolling Interest Sharing Ratio	2.78%	1.50%	-0.26%	-0.41%	-0.22%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	2.46	5.08	8.00	2.88	6.65	4.48	3.94	4.21	3.75	2.71	5.61
Quick Ratio	1.19	2.90	5.05	1.99	3.99	3.29	5.54	2.72	2.43	1.65	3.87
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	401	-842	77	-40	55	197	-63	-38	-32	24	-5.22
Operating Cash Flow to CapEx	334.70%	513.95%	202.66%	219.85%	266.53%	172.05%	196.76%	208.61%	251.78%	321.42%	386.36%
Free Cash Flow to Firm to Interest Expense	24.47	-51.09	2.78	-1.42	1.68	8.78	-2.84	-3.83	-1.96	1.75	-0.23
Operating Cash Flow to Interest Expense	4.85	4.13	1.82	3.20	3.17	2.18	2.09	6.67	6.19	8.36	6.47
Operating Cash Flow Less CapEx to Interest Expense	3.40	3.33	0.92	1.74	1.98	0.91	1.03	3.47	3.73	5.76	4.80
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.55	0.67	0.75	0.72	0.73	0.72	0.59	0.68	0.75	0.78	0.74
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	2.42	2.29	2.11	2.06	2.04	2.71	2.71	2.73	2.76	2.67	2.40
Fixed Asset Turnover	8.01	11.04	12.85	12.34	12.02	13.23	13.17	16.04	16.81	17.33	18.04
Accounts Payable Turnover	3.09	3.11	4.26	5.53	5.19	5.00	3.46	4.10	5.29	5.73	5.53
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)	150.99	159.58	173.20	177.42	179.17	134.46	269.62	133.84	132.18	136.46	152.15
Days Payable Outstanding (DPO)	117.95	117.23	85.72	65.97	70.31	73.01	105.42	89.08	69.02	63.71	66.05
Cash Conversion Cycle (CCC)	33.04	42.35	87.48	111.46	108.86	61.45	58.79	44.76	63.15	72.74	86.10
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	656	775	737	821	787	555	635	729	830	887	1,003
Invested Capital Turnover	0.84	1.02	0.99	1.04	1.05	1.23	1.23	1.30	1.35	1.35	1.35
Increase / (Decrease) in Invested Capital	-412	119	-38	84	-35	-231	80	94	101	57	117
Enterprise Value (EV)	436	777	590	662	400	183	387	473	538	696	1,137
Market Capitalization	331	597	516	583	358	277	424	437	454	614	1,159
Book Value per Share	$12.23	$11.02	$12.20	$13.64	$13.44	$11.79	$11.99	$12.22	$13.54	$14.70	$16.84
Tangible Book Value per Share	$6.96	$5.75	$6.91	$7.13	$6.79	$6.05	$5.79	$6.15	$6.99	$8.03	$10.54
Total Capital	874	878	945	1,156	984	900	936	1,005	1,106	1,132	1,544
Total Debt	198	284	285	417	239	251	264	313	360	327	518
Total Long-Term Debt	198	284	285	227	238	251	264	313	326	224	518
Net Debt	86	181	77	82	42	-94	-37	37	84	82	-22
Capital Expenditures (CapEx)	24	13	25	40	39	29	24	32	40	35	39
Debt-free, Cash-free Net Working Capital (DFCFNWC)	247	321	344	394	352	148	192	277	333	383	455
Debt-free Net Working Capital (DFNWC)	304	387	508	680	515	461	456	491	562	563	925
Net Working Capital (NWC)	304	387	508	489	515	461	456	491	528	460	925
Net Nonoperating Expense (NNE)	83	-635	9.49	8.61	19	35	8.10	5.34	30	-2.21	1.79
Net Nonoperating Obligations (NNO)	-20	181	77	82	42	-94	-37	37	84	82	-22
Total Depreciation and Amortization (D&A)	64	41	36	43	49	90	44	34	34	35	34
Debt-free, Cash-free Net Working Capital to Revenue	34.36%	44.00%	45.99%	48.55%	41.60%	18.04%	26.34%	31.25%	31.75%	32.96%	35.73%
Debt-free Net Working Capital to Revenue	42.17%	53.00%	67.97%	83.68%	60.77%	56.03%	124.95%	55.44%	53.57%	48.44%	72.62%
Net Working Capital to Revenue	42.17%	53.00%	67.97%	60.26%	60.75%	56.00%	62.47%	55.44%	50.31%	39.57%	72.62%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($1.59)	$0.00	$0.00	$0.00	$0.00	$0.00	$0.15	$0.89	$0.69	$1.51	$1.91
Adjusted Weighted Average Basic Shares Outstanding	54.37M	54.43M	54.26M	54.46M	0.00	55.31M	55.74M	56.50M	55.59M	54.94M	57.47M
Adjusted Diluted Earnings per Share	($1.59)	$0.00	$0.00	$0.00	$0.00	$0.00	$0.15	$0.70	$0.53	$1.10	$1.42
Adjusted Weighted Average Diluted Shares Outstanding	54.37M	54.08M	54.37M	57.90M	0.00	55.31M	55.95M	82.40M	80.87M	84.45M	83.38M
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	54.84M	54.08M	54.40M	54.58M	0.00	55.30M	56.06M	56.31M	54.72M	54.47M	60.89M
Normalized Net Operating Profit after Tax (NOPAT)	1.03	22	39	45	33	4.40	17	55	72	81	112
Normalized NOPAT Margin	0.14%	2.98%	5.25%	5.53%	3.88%	0.53%	2.30%	6.21%	6.87%	7.01%	8.80%
Pre Tax Income Margin	-9.20%	0.05%	5.71%	6.84%	0.49%	-8.52%	4.40%	7.64%	4.92%	9.95%	11.52%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	-1.09	1.70	1.92	2.61	1.40	-2.15	1.44	7.53	5.41	8.38	6.47
NOPAT to Interest Expense	-0.67	-43.89	1.41	1.61	0.61	-1.51	0.75	5.57	4.17	5.95	4.84
EBIT Less CapEx to Interest Expense	-2.53	0.89	1.02	1.15	0.21	-3.42	0.75	4.33	2.96	5.78	4.79
NOPAT Less CapEx to Interest Expense	-2.11	-44.69	0.51	0.16	-0.58	-2.78	-0.31	2.37	1.71	3.35	3.16
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	-34.40%	-13.29%	0.00%	0.00%	0.00%	-7.53%	0.00%	4.07%	44.17%	14.45%	6.39%

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

Metric	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	-	61,697,224.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	61,697,224.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	0.80
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	15.88%	13.49%	10.53%	10.01%	8.90%	6.73%	7.24%	10.50%	14.35%	19.32%	45.89%
EBITDA Growth	-11.82%	25.75%	3.11%	6.43%	61.02%	7.22%	18.34%	45.75%	29.81%	40.77%	87.74%
EBIT Growth	-11.69%	31.16%	3.00%	8.38%	100.76%	9.66%	24.99%	63.49%	38.75%	48.18%	104.26%
NOPAT Growth	55.90%	44.98%	9.32%	-1.90%	16.38%	12.26%	23.53%	58.95%	80.91%	44.37%	103.29%
Net Income Growth	39.74%	69.69%	416.33%	-1.49%	48.21%	8.94%	18.21%	47.65%	75.73%	42.84%	95.29%
EPS Growth	33.33%	44.00%	341.67%	4.17%	25.00%	11.11%	13.79%	36.00%	75.00%	37.50%	84.85%
Operating Cash Flow Growth	52.57%	84.10%	-57.15%	22.68%	57.44%	21.00%	145.15%	3.22%	18.27%	50.61%	31.20%
Free Cash Flow Firm Growth	-2.95%	44.82%	22.44%	34.33%	52.13%	50.33%	89.81%	-16.95%	-112.30%	-290.75%	-4,634.80%
Invested Capital Growth	13.84%	9.83%	11.53%	8.63%	6.89%	6.51%	3.75%	10.12%	13.15%	15.31%	42.78%
Revenue Q/Q Growth	5.73%	10.91%	-4.78%	-1.48%	4.67%	8.70%	-4.33%	1.52%	8.31%	13.42%	16.98%
EBITDA Q/Q Growth	-24.56%	111.50%	-22.17%	-14.29%	14.14%	40.83%	-14.10%	5.56%	1.65%	52.72%	14.57%
EBIT Q/Q Growth	-35.35%	180.26%	-26.51%	-18.60%	19.74%	53.09%	-16.23%	6.46%	1.62%	63.51%	15.46%
NOPAT Q/Q Growth	-26.61%	116.45%	-26.94%	-15.48%	-12.93%	108.80%	-19.61%	8.76%	-0.90%	66.62%	13.20%
Net Income Q/Q Growth	-43.73%	177.67%	-24.56%	-16.43%	-15.34%	104.11%	-18.14%	4.38%	0.76%	65.91%	11.92%
EPS Q/Q Growth	-33.33%	125.00%	-19.44%	-13.79%	-20.00%	100.00%	-17.50%	3.03%	2.94%	57.14%	10.91%
Operating Cash Flow Q/Q Growth	0.16%	-21.96%	-29.86%	123.77%	28.53%	-40.02%	42.11%	-5.78%	47.28%	-23.63%	23.80%
Free Cash Flow Firm Q/Q Growth	-11.09%	45.67%	-43.11%	23.98%	19.02%	43.62%	70.64%	-772.50%	-47.01%	-3.77%	-255.73%
Invested Capital Q/Q Growth	3.36%	2.09%	1.44%	1.49%	1.70%	1.74%	-1.19%	7.72%	4.50%	3.68%	22.34%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	58.92%	57.53%	58.67%	59.24%	59.54%	57.91%	58.26%	59.05%	58.96%	58.37%	58.19%
EBITDA Margin	8.10%	15.45%	12.62%	10.98%	11.98%	15.52%	13.93%	14.49%	13.60%	18.31%	17.93%
Operating Margin	6.12%	12.36%	9.55%	7.87%	8.83%	13.10%	11.18%	11.57%	10.98%	15.87%	15.18%
EBIT Margin	4.93%	12.45%	9.61%	7.94%	9.08%	12.79%	11.20%	11.75%	11.02%	15.89%	15.68%
Profit (Net Income) Margin	3.79%	9.49%	7.52%	6.38%	5.16%	9.69%	8.29%	8.52%	7.93%	11.60%	11.10%
Tax Burden Percent	78.12%	75.51%	74.97%	78.04%	57.89%	74.95%	73.78%	76.35%	73.64%	74.87%	75.72%
Interest Burden Percent	98.48%	100.94%	104.37%	102.93%	98.11%	101.03%	100.29%	95.02%	97.68%	97.48%	93.44%
Effective Tax Rate	21.88%	24.49%	25.03%	21.96%	42.11%	25.05%	26.22%	23.65%	26.36%	25.13%	24.28%
Return on Invested Capital (ROIC)	6.44%	12.51%	9.77%	8.35%	6.92%	13.26%	11.33%	11.88%	10.90%	16.34%	15.69%
ROIC Less NNEP Spread (ROIC-NNEP)	1.99%	13.19%	11.53%	9.33%	7.09%	12.71%	11.58%	7.09%	9.14%	11.86%	13.60%
Return on Net Nonoperating Assets (RNNOA)	0.17%	1.23%	0.89%	0.81%	0.76%	1.20%	0.69%	0.16%	0.30%	0.30%	1.16%
Return on Equity (ROE)	6.60%	13.74%	10.66%	9.16%	7.68%	14.46%	12.02%	12.05%	11.20%	16.64%	16.85%
Cash Return on Invested Capital (CROIC)	-4.14%	0.29%	-1.21%	1.11%	2.76%	3.33%	6.49%	1.18%	-0.55%	-1.32%	-21.24%
Operating Return on Assets (OROA)	3.67%	9.37%	7.30%	6.09%	7.13%	10.15%	8.07%	8.53%	8.16%	12.18%	11.71%
Return on Assets (ROA)	2.82%	7.14%	5.71%	4.89%	4.05%	7.68%	5.97%	6.19%	5.87%	8.89%	8.28%
Return on Common Equity (ROCE)	6.60%	13.74%	10.66%	9.16%	7.68%	14.46%	12.02%	12.04%	11.20%	16.64%	16.67%
Return on Equity Simple (ROE_SIMPLE)	0.00%	6.47%	9.80%	9.75%	0.00%	10.39%	10.52%	0.00%	0.00%	0.00%	0.00%
Net Operating Profit after Tax (NOPAT)	13	28	20	17	15	31	25	27	27	45	51
NOPAT Margin	4.78%	9.33%	7.16%	6.14%	5.11%	9.82%	8.25%	8.84%	8.09%	11.88%	11.49%
Net Nonoperating Expense Percent (NNEP)	4.45%	-0.68%	-1.75%	-0.98%	-0.17%	0.55%	-0.25%	4.80%	1.76%	4.48%	2.09%
Return On Investment Capital (ROIC_SIMPLE)	-	2.47%	-	-	-	2.73%	1.72%	1.82%	1.76%	2.86%	3.09%
Cost of Revenue to Revenue	41.08%	42.47%	41.33%	40.76%	40.46%	42.09%	41.74%	40.95%	41.04%	41.63%	41.81%
SG&A Expenses to Revenue	48.11%	42.37%	46.51%	48.47%	47.62%	42.20%	44.45%	45.31%	45.25%	40.19%	40.86%
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	52.80%	45.17%	49.12%	51.37%	50.71%	44.81%	47.08%	47.48%	47.97%	42.50%	43.01%
Earnings before Interest and Taxes (EBIT)	13	37	27	22	27	41	34	37	37	61	70
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	22	46	36	31	35	50	43	45	46	70	80
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.61	0.62	0.78	0.72	0.76	0.81	0.95	0.77	1.13	1.10	1.40
Price to Tangible Book Value (P/TBV)	1.18	1.16	1.46	1.33	1.40	1.44	1.65	1.25	1.81	1.74	3.00
Price to Revenue (P/Rev)	0.43	0.44	0.56	0.51	0.53	0.56	0.67	0.62	0.91	0.89	1.06
Price to Earnings (P/E)	11.81	9.60	7.97	7.36	7.38	7.77	9.03	7.78	10.58	9.62	10.68
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	8.47%	10.42%	12.55%	13.59%	13.54%	12.87%	11.07%	12.85%	9.45%	10.39%	9.36%
Enterprise Value to Invested Capital (EV/IC)	0.65	0.65	0.80	0.74	0.78	0.82	0.95	0.76	1.13	1.11	1.35
Enterprise Value to Revenue (EV/Rev)	0.51	0.51	0.61	0.57	0.60	0.63	0.71	0.60	0.89	0.86	1.16
Enterprise Value to EBITDA (EV/EBITDA)	4.38	4.19	5.13	4.78	4.68	4.90	5.35	4.25	6.21	5.66	7.13
Enterprise Value to EBIT (EV/EBIT)	6.04	5.65	6.92	6.43	6.11	6.33	6.82	5.30	7.64	6.83	8.41
Enterprise Value to NOPAT (EV/NOPAT)	7.84	7.08	8.65	8.22	8.60	8.83	9.53	7.40	10.21	9.19	11.35
Enterprise Value to Operating Cash Flow (EV/OCF)	5.29	4.96	7.47	6.60	6.13	6.30	6.06	5.20	7.63	7.11	9.90
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	233.18	0.00	69.23	29.33	25.56	14.94	67.67	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.48	0.47	0.45	0.45	0.41	0.40	0.73	0.52	0.51	0.48	0.45
Long-Term Debt to Equity	0.44	0.42	0.41	0.28	0.28	0.27	0.61	0.52	0.51	0.48	0.45
Financial Leverage	0.08	0.09	0.08	0.09	0.11	0.09	0.06	0.02	0.03	0.03	0.09
Leverage Ratio	1.96	1.95	1.94	1.93	1.91	1.86	2.02	1.89	1.88	1.84	1.98
Compound Leverage Factor	1.93	1.97	2.02	1.98	1.87	1.88	2.03	1.80	1.84	1.79	1.85
Debt to Total Capital	32.56%	31.75%	31.08%	31.07%	28.92%	28.46%	42.15%	34.33%	33.56%	32.63%	31.25%
Short-Term Debt to Total Capital	3.10%	3.02%	2.96%	11.81%	9.11%	8.96%	7.02%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	29.47%	28.73%	28.12%	19.26%	19.81%	19.50%	35.13%	34.33%	33.56%	32.63%	31.25%
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%	1.32%
Common Equity to Total Capital	67.44%	68.25%	68.92%	68.93%	71.08%	71.54%	57.85%	65.63%	66.44%	67.37%	67.43%
Debt to EBITDA	2.93	2.73	2.71	2.67	2.20	2.16	3.91	3.00	2.83	2.55	2.15
Net Debt to EBITDA	0.68	0.55	0.44	0.52	0.55	0.52	0.25	-0.17	-0.12	-0.15	0.54
Long-Term Debt to EBITDA	2.65	2.47	2.45	1.66	1.51	1.48	3.26	3.00	2.83	2.55	2.15
Debt to NOPAT	5.25	4.61	4.57	4.60	4.05	3.89	6.97	5.22	4.65	4.14	3.43
Net Debt to NOPAT	1.22	0.92	0.74	0.90	1.02	0.93	0.45	-0.30	-0.20	-0.24	0.86
Long-Term Debt to NOPAT	4.75	4.17	4.13	2.85	2.77	2.66	5.81	5.22	4.65	4.14	3.43
Altman Z-Score	1.97	2.09	2.21	2.11	2.22	2.36	2.17	2.25	2.48	2.59	2.71
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.03%	0.00%	0.00%	1.10%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	3.75	4.00	4.17	2.59	2.71	2.91	4.04	6.31	5.61	6.03	4.71
Quick Ratio	2.43	2.57	2.68	1.68	1.65	1.77	2.91	4.70	3.87	4.11	3.04
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-88	-48	-68	-52	-42	-24	-6.97	-61	-89	-93	-330
Operating Cash Flow to CapEx	216.82%	299.01%	232.87%	1,048.38%	221.41%	463.38%	441.99%	383.07%	325.41%	525.10%	463.54%
Free Cash Flow to Firm to Interest Expense	-25.41	-13.89	-20.10	-14.69	-13.14	-7.54	-2.12	-7.19	-10.98	-11.36	-39.50
Operating Cash Flow to Interest Expense	7.95	6.24	4.43	9.53	13.53	8.26	11.26	4.11	6.29	4.79	5.80
Operating Cash Flow Less CapEx to Interest Expense	4.28	4.16	2.53	8.62	7.42	6.48	8.71	3.04	4.36	3.88	4.55
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.75	0.75	0.76	0.77	0.78	0.79	0.72	0.73	0.74	0.77	0.75
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	2.76	2.83	2.96	2.88	2.67	2.67	2.68	2.56	2.40	2.44	2.53
Fixed Asset Turnover	16.81	17.41	18.07	18.68	17.33	17.87	18.87	19.35	18.04	19.35	19.55
Accounts Payable Turnover	5.29	6.53	6.84	6.54	5.73	7.05	7.43	6.86	5.53	6.73	6.27
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)	132.18	128.81	123.50	126.59	136.46	136.65	136.45	142.46	152.15	149.61	144.38
Days Payable Outstanding (DPO)	69.02	55.91	53.35	55.84	63.71	51.77	49.14	53.23	66.05	54.24	58.21
Cash Conversion Cycle (CCC)	63.15	72.90	70.15	70.74	72.74	84.88	87.31	89.23	86.10	95.37	86.17
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	830	847	859	872	887	902	891	960	1,003	1,040	1,273
Invested Capital Turnover	1.35	1.34	1.36	1.36	1.35	1.35	1.37	1.34	1.35	1.38	1.36
Increase / (Decrease) in Invested Capital	101	76	89	69	57	55	32	88	117	138	381
Enterprise Value (EV)	538	554	684	646	696	744	849	734	1,137	1,152	1,719
Market Capitalization	454	481	625	575	614	666	809	764	1,159	1,183	1,566
Book Value per Share	$13.54	$14.07	$14.51	$14.59	$14.70	$15.13	$15.50	$17.99	$16.84	$17.58	$18.15
Tangible Book Value per Share	$6.99	$7.52	$7.76	$7.87	$8.03	$8.48	$8.91	$11.08	$10.54	$11.17	$8.46
Total Capital	1,106	1,135	1,161	1,163	1,132	1,152	1,472	1,508	1,544	1,589	1,661
Total Debt	360	361	361	361	327	328	621	518	518	519	519
Total Long-Term Debt	326	326	327	224	224	225	517	518	518	519	519
Net Debt	84	72	59	71	82	78	40	-30	-22	-30	131
Capital Expenditures (CapEx)	13	7.18	6.47	3.22	20	5.61	8.36	9.09	16	7.46	10
Debt-free, Cash-free Net Working Capital (DFCFNWC)	333	346	346	366	383	405	392	434	455	484	505
Debt-free Net Working Capital (DFNWC)	562	573	583	593	563	589	906	915	925	955	860
Net Working Capital (NWC)	528	539	549	456	460	486	803	915	925	955	860
Net Nonoperating Expense (NNE)	2.68	-0.47	-1.02	-0.66	-0.14	0.42	-0.12	0.98	0.53	1.08	1.78
Net Nonoperating Obligations (NNO)	84	72	59	71	82	78	40	-30	-22	-30	131
Total Depreciation and Amortization (D&A)	8.58	8.98	8.61	8.56	8.52	8.72	8.36	8.52	8.67	9.24	10
Debt-free, Cash-free Net Working Capital to Revenue	31.75%	31.94%	31.10%	32.17%	32.96%	34.29%	32.56%	35.20%	35.73%	36.23%	34.21%
Debt-free Net Working Capital to Revenue	53.57%	52.87%	52.47%	52.15%	48.44%	49.85%	75.37%	74.30%	72.62%	71.50%	58.26%
Net Working Capital to Revenue	50.31%	49.71%	49.38%	40.08%	39.57%	41.12%	66.77%	74.30%	72.62%	71.50%	58.26%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.18	$0.52	$0.39	$0.33	$0.27	$0.57	$0.46	$0.45	$0.43	$0.72	$0.80
Adjusted Weighted Average Basic Shares Outstanding	55.59M	55.08M	55.09M	54.90M	54.94M	54.83M	54.97M	59.13M	57.47M	61.24M	61.65M
Adjusted Diluted Earnings per Share	$0.16	$0.36	$0.29	$0.25	$0.20	$0.40	$0.33	$0.34	$0.35	$0.55	$0.61
Adjusted Weighted Average Diluted Shares Outstanding	80.87M	86.81M	83.05M	83.01M	84.45M	83.35M	83.14M	82.92M	83.38M	83.28M	83.41M
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	54.72M	55.15M	54.94M	54.74M	54.47M	54.94M	55.01M	60.90M	60.89M	61.70M	61.54M
Normalized Net Operating Profit after Tax (NOPAT)	13	28	20	17	15	31	25	27	27	45	51
Normalized NOPAT Margin	4.83%	9.29%	7.16%	6.15%	5.14%	9.82%	8.25%	8.84%	8.11%	11.90%	11.49%
Pre Tax Income Margin	4.85%	12.57%	10.03%	8.17%	8.91%	12.93%	11.23%	11.16%	10.77%	15.49%	14.65%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	3.85	10.86	8.07	6.31	8.35	13.02	10.46	4.32	4.56	7.43	8.39
NOPAT to Interest Expense	3.74	8.14	6.01	4.89	4.70	9.99	7.70	3.25	3.34	5.56	6.15
EBIT Less CapEx to Interest Expense	0.18	8.77	6.17	5.41	2.24	11.23	7.91	3.25	2.62	6.52	7.14
NOPAT Less CapEx to Interest Expense	0.07	6.05	4.11	3.98	-1.41	8.21	5.15	2.18	1.41	4.64	4.90
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	44.17%	25.86%	15.33%	15.37%	14.45%	14.01%	11.16%	9.17%	6.39%	3.25%	4.77%

Financials Breakdown Chart

Key Financial Trends

EZCORP Inc. (EZPW) — quick take from the last four years of quarterly statements shows a company with steady gross margins, improving profits in early 2026, and solid cash generation, backed by a stable balance sheet and modest leverage. Here are the most notable points:

Revenue momentum: Q1 2026 Operating Revenue rose to $382,019,000, up from $336,813,000 in Q4 2025 and $310,981,000 in Q3 2025, signaling positive topline momentum.
Profitability improving: Net income from continuing operations in Q1 2026 was $44,304,000, up from $26,704,000 in Q4 2025. Diluted EPS climbed to $0.55 (from $0.35) and basic EPS to $0.72 (from $0.43).
Stable, healthy gross margins: Gross margin has been around 58–59% across the recent quarters (e.g., $222,966,000 gross profit on $382,019,000 revenue in Q1 2026; about 58.9% in Q4 2025).
Solid operating cash flow: Net cash from continuing operating activities in Q1 2026 was $39,146,000, with prior quarters also generating positive CFO (e.g., Q4 2025 $51,255,000; Q3 2025 $34,820,000; Q2 2025 $36,937,000; Q1 2025 $25,991,000).
Strong liquidity and stable leverage: Cash & equivalents run roughly $466–$472 million in late 2025, total assets near $1.99 billion, and long-term debt around $517–$518 million, indicating ample liquidity and a conservative debt load.
Capital allocation activity: There were share repurchases in mid-2025 (e.g., Q2 2025 and Q3 2025), suggesting management is deploying capital to buybacks where appropriate.
Per-share trend improving: Diluted EPS rose to $0.55 in Q1 2026 from $0.35 in Q4 2025, while weighted shares remained sizable (diluted and basic share counts in the 60–80 million range across recent quarters), contributing to stronger per-share results.
Consistent profitability margin: Net income margin has been in the low-to-mid teens in several quarters and around 8–12% in others, reflecting a stable but sometimes variable margin profile tied to quarter-to-quarter mix.
Investing cash outflows are substantial: Net cash used in investing activities remains sizable (e.g., Q1 2026 at about −$30.96 million; Q4 2025 about −$51.82 million), driven by capex and acquisitions, which pressure cash usage even when CFO is positive.
Financing activity occasionally negative: Net cash from financing activities has posted small negative totals in some quarters (e.g., Q1 2026 around −$6.52 million), indicating ongoing financing/repurchase activity rather than pure cash generation.
Quarterly cash balance fluctuations: Net changes in cash and equivalents have been negative in some quarters (e.g., Q3 2025 and Q4 2025), suggesting occasional pressure on cash balance despite positive CFO in other periods.

05/07/26 08:12 AM ETAI Generated. May Contain Errors.

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 2025 ended on September 30, 2025.

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

EZCORP's net income appears to be on an upward trend, with a most recent value of $109.61 million in 2025, falling from -$94.23 million in 2015. The previous period was $83.10 million in 2024. See EZCORP's forecast for analyst expectations on whatâ€™s next for the company.

What is EZCORP's operating income?

EZCORP's total operating income in 2025 was $149.17 million, based on the following breakdown:

Total Gross Profit: $746.07 million
Total Operating Expenses: $596.90 million

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

Over the last 10 years, EZCORP's total revenue changed from $720 million in 2015 to $1.27 billion in 2025, a change of 77.0%.

How much debt does EZCORP have?

EZCORP's total liabilities were at $925.72 million at the end of 2025, a 34.4% increase from 2024, and a 79.0% increase since 2015.

How much cash does EZCORP have?

In the past 10 years, EZCORP's cash and equivalents has ranged from $56.24 million in 2015 to $469.52 million in 2025, and is currently $469.52 million as of their latest financial filing in 2025.

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 12.23 in 2015 to 16.84 in 2025, a change of 37.7%.

Related Companies

Financial statements for NASDAQ:EZPW last updated on 5/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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EZCORP (EZPW) Financials

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EZCORP (EZPW) Financials

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