EZCORP (EZPW) Financials

$13.54 +0.12 (+0.89%)

Closing price 05/30/2025 04:00 PM Eastern

Extended Trading

$13.48 -0.06 (-0.48%)

As of 05/30/2025 07:12 PM 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	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Period end date	9/30/2024	9/30/2023	9/30/2022	9/30/2021	9/30/2020	9/30/2019	9/30/2018	9/30/2017	9/30/2016	9/30/2015	9/30/2014
Net Income / (Loss) Attributable to Common Shareholders	83	38	50	8.61	-68	2.54	37	31	-81	-89	-68
Consolidated Net Income / (Loss)	83	38	50	8.61	-68	1.31	36	30	-88	-94	-74
Net Income / (Loss) Continuing Operations	83	38	50	8.61	-68	1.77	37	32	-9.00	-52	3.44
Total Pre-Tax Income	116	52	68	16	-70	4.17	56	43	0.36	-66	7.89
Total Operating Income	113	92	75	31	-48	47	67	53	29	-16	18
Total Gross Profit	682	610	528	449	449	494	482	436	428	403	422
Total Revenue	1,162	1,049	886	730	823	847	812	748	731	720	746
Operating Revenue	1,162	1,049	886	730	823	847	812	748	731	707	733
Total Cost of Revenue	479	439	358	280	374	353	331	310	302	317	324
Operating Cost of Revenue	479	439	358	280	374	353	331	310	302	317	324
Total Operating Expenses	570	518	453	418	498	447	414	382	399	419	404
Selling, General & Admin Expense	537	486	422	387	411	414	388	358	369	368	374
Depreciation Expense	33	32	32	31	31	29	25	24	27	31	29
Impairment Charge	0.84	4.34	0.00	0.00	55	0.00	0.00	-	-	-	-
Other Special Charges / (Income)	-0.02	0.21	-0.67	0.08	-	-	-	-	-	-	-
Total Other Income / (Expense), net	3.08	-41	-7.21	-15	-22	-43	-12	-10	-29	-51	-10
Interest Expense	14	16	9.97	22	22	33	28	28	16	16	7.91
Interest & Investment Income	15	-21	2.60	6.28	0.74	-8.77	11	17	-11	-32	-1.69
Other Income / (Expense), net	1.38	-3.07	0.17	0.79	0.02	-1.42	5.39	0.42	-1.20	-2.19	-0.60
Income Tax Expense	33	13	18	7.45	-1.63	2.41	18	11	9.36	-14	4.45
Basic Earnings per Share	$1.51	$0.69	$0.89	$0.15	($1.24)	$0.05	-	-	-	-	-
Weighted Average Basic Shares Outstanding	54.94M	55.59M	56.50M	55.74M	55.31M	55.34M	54.46M	54.26M	54.43M	54.37M	54.15M
Diluted Earnings per Share	$1.10	$0.53	$0.70	$0.15	($1.24)	$0.05	-	-	-	-	-
Weighted Average Diluted Shares Outstanding	84.45M	80.87M	82.40M	55.95M	55.31M	55.98M	57.90M	54.37M	54.43M	54.37M	53.58M
Weighted Average Basic & Diluted Shares Outstanding	54.47M	54.72M	56.31M	56.06M	55.30M	55.54M	54.58M	54.40M	54.08M	54.84M	53.58M

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

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

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

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

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

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

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

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

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

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

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. See EZCORP's forecast for analyst expectations on what’s next for the company.

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 5/31/2025 by MarketBeat.com Staff

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EZCORP (EZPW) Financials

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EZCORP (EZPW) Financials

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