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

EZCORP (EZPW) Financials

$29.49 0.00 (0.00%)

Closing price 08/14/2026 04:00 PM Eastern

Extended Trading

$29.85 +0.36 (+1.21%)

As of 08/14/2026 07:58 PM 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	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026
Period end date	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	6/30/2026
Net Income / (Loss) Attributable to Common Shareholders	28	21	18	15	31	25	27	27	44	49	38
Consolidated Net Income / (Loss)	28	21	18	15	31	25	27	27	44	50	38
Net Income / (Loss) Continuing Operations	28	21	18	15	31	25	27	27	44	50	38
Total Pre-Tax Income	38	29	23	26	41	34	35	36	59	65	52
Total Operating Income	37	27	22	26	42	34	36	37	61	68	55
Total Gross Profit	173	168	167	175	185	178	184	199	223	260	246
Total Revenue	300	286	281	295	320	306	311	337	382	447	419
Operating Revenue	300	286	281	295	320	306	311	337	382	447	419
Total Cost of Revenue	127	118	115	119	135	128	127	138	159	187	173
Operating Cost of Revenue	127	118	115	119	135	128	127	138	159	187	173
Total Operating Expenses	135	140	145	149	143	144	148	162	162	192	191
Selling, General & Admin Expense	127	133	136	140	135	136	141	152	154	183	182
Depreciation Expense	8.57	8.22	8.16	8.13	8.34	8.02	8.00	8.18	8.76	9.59	9.65
Other Operating Expenses / (Income)	-	-	-	-	-	-	-1.26	-	-	-	0.00
Other Special Charges / (Income)	-0.17	0.00	0.02	0.13	0.01	0.02	0.00	0.11	0.09	0.00	0.03
Total Other Income / (Expense), net	0.62	1.36	0.85	0.25	-0.56	0.16	-1.28	-0.72	-1.44	-2.36	-2.81
Interest Expense	3.44	3.40	3.54	3.20	3.15	3.28	8.46	8.14	8.17	8.35	8.35
Interest & Investment Income	3.79	4.60	4.19	2.70	3.57	3.38	6.64	7.28	6.64	3.75	4.68
Other Income / (Expense), net	0.27	0.17	0.19	0.75	-0.98	0.07	0.54	0.14	0.09	2.24	0.86
Income Tax Expense	9.24	7.17	5.05	11	10	9.02	8.21	9.56	15	16	14
Net Income / (Loss) Attributable to Noncontrolling Interest	-	-	-	-	-	0.00	0.00	-	-	0.48	0.30
Basic Earnings per Share	$0.52	$0.39	$0.33	$0.27	$0.57	$0.46	$0.45	$0.43	$0.72	$0.80	$0.62
Weighted Average Basic Shares Outstanding	55.08M	55.09M	54.90M	54.94M	54.83M	54.97M	59.13M	57.47M	61.24M	61.65M	61.54M
Diluted Earnings per Share	$0.36	$0.29	$0.25	$0.20	$0.40	$0.33	$0.34	$0.35	$0.55	$0.61	$0.48
Weighted Average Diluted Shares Outstanding	86.81M	83.05M	83.01M	84.45M	83.35M	83.14M	82.92M	83.38M	83.28M	83.41M	83.36M
Weighted Average Basic & Diluted Shares Outstanding	55.15M	54.94M	54.74M	54.47M	54.94M	55.01M	60.90M	60.89M	61.70M	61.54M	61.44M

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	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026
Period end date	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	6/30/2026
Net Change in Cash & Equivalents	-1.98	11	-10	-47	4.09	331	-28	-2.36	1.41	-116	-43
Net Cash From Operating Activities	21	15	34	43	26	37	35	51	39	48	43
Net Cash From Continuing Operating Activities	21	15	34	43	26	37	35	51	39	48	43
Net Income / (Loss) Continuing Operations	28	21	18	15	31	25	27	27	44	50	38
Consolidated Net Income / (Loss)	28	21	18	15	31	25	27	27	44	50	38
Depreciation Expense	8.57	8.22	8.16	8.13	8.34	8.02	8.00	8.18	8.76	9.59	9.65
Amortization Expense	0.42	0.39	0.41	0.39	0.38	0.34	0.51	0.49	0.48	0.45	0.49
Non-Cash Adjustments To Reconcile Net Income	13	19	16	16	17	24	17	15	15	26	19
Changes in Operating Assets and Liabilities, net	-29	-34	-8.53	4.02	-30	-21	-17	0.63	-29	-37	-25
Net Cash From Investing Activities	-17	-1.38	-41	-53	-14	-0.74	-51	-52	-31	-27	-68
Net Cash From Continuing Investing Activities	-17	-1.38	-41	-53	-14	-0.74	-51	-52	-31	-27	-68
Purchase of Property, Plant & Equipment	-7.18	-6.47	-3.22	-19	-5.61	-8.36	-9.09	-16	-7.46	-10	-9.90
Acquisitions	-	-7.93	-3.35	-0.15	0.00	-	-17	-3.60	-9.15	-16	-5.50
Purchase of Investments	-15	-0.85	-0.14	-0.82	0.00	-0.51	-0.21	-0.07	-7.17	-0.06	-0.22
Sale and/or Maturity of Investments	1.75	-	1.79	-	1.90	-	1.71	-	1.81	-	2.12
Other Investing Activities, net	3.58	14	-37	-32	-10	8.20	-27	-32	-8.99	0.38	-54
Net Cash From Financing Activities	-6.39	-3.15	-3.11	-38	-7.10	294	-11	-1.19	-6.52	-139	-19
Net Cash From Continuing Financing Activities	-6.39	-3.15	-3.11	-38	-7.10	294	-11	-1.19	-6.52	-139	-19
Repurchase of Common Equity	-3.01	-3.00	-3.00	-3.00	-3.00	-1.00	-2.00	-1.00	0.00	-4.01	-4.03
Other Financing Activities, net	-3.39	-0.14	-0.11	-0.15	-4.10	-0.14	-0.18	-0.16	-6.52	-0.37	-15
Effect of Exchange Rate Changes	-0.21	0.16	-0.07	-0.62	-0.76	1.09	-0.35	-0.61	-0.26	0.64	0.84

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
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	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026	Q2 2026	Q3 2026
Period end date	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	6/30/2026
Total Assets	1,421	1,458	1,481	1,508	1,510	1,499	1,830	1,883	1,987	2,127	2,166
Total Current Assets	687	711	719	722	742	740	1,067	1,088	1,145	1,092	1,117
Cash & Equivalents	243	238	219	229	218	175	505	472	466	354	311
Restricted Cash	8.45	8.55	8.47	8.58	9.20	9.39	9.50	9.61	5.35	0.96	1.75
Note & Lease Receivable	206	229	243	236	262	275	262	292	314	349	387
Inventories, net	150	155	165	163	172	199	208	225	253	276	316
Prepaid Expenses	46	45	44	47	40	37	40	43	56	59	43
Other Current Assets	33	35	40	38	41	45	42	45	50	53	57
Plant, Property, & Equipment, net	60	62	69	63	60	63	64	67	75	87	89
Total Noncurrent Assets	674	685	693	723	708	696	699	728	767	948	961
Long-Term Investments	50	49	61	64	64	65	66	66	78	33	33
Goodwill	300	302	304	311	309	305	305	322	331	474	475
Intangible Assets	60	60	57	62	60	57	57	58	60	125	125
Noncurrent Deferred & Refundable Income Taxes	19	20	26	26	25	25	25	26	30	13	14
Other Noncurrent Operating Assets	244	254	245	260	251	244	245	257	269	303	313
Total Liabilities & Shareholders' Equity	1,421	1,458	1,481	1,508	1,510	1,499	1,830	1,883	1,987	2,127	2,166
Total Liabilities	708	719	706	708	709	675	978	893	917	985	999
Total Current Liabilities	145	150	180	173	286	254	264	172	190	232	232
Accounts Payable	73	74	69	63	70	69	71	79	96	124	120
Customer Deposits	19	19	18	20	20	24	31	33	33	40	43
Other Current Liabilities	54	57	58	56	59	58	59	60	61	68	70
Total Noncurrent Liabilities	563	569	526	535	423	421	714	721	727	753	766
Long-Term Debt	359	360	326	327	224	225	517	518	519	519	519
Noncurrent Deferred & Payable Income Tax Liabilities	0.37	0.35	0.37	0.47	0.42	2.19	1.82	2.02	2.57	2.57	2.67
Other Noncurrent Operating Liabilities	203	209	200	208	198	195	195	201	206	232	244
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	713	739	775	800	801	824	852	990	1,071	1,142	1,168
Total Preferred & Common Equity	713	739	775	800	801	824	852	990	1,071	1,120	1,165
Total Common Equity	713	739	775	800	801	824	852	990	1,071	1,120	1,165
Common Stock	344	345	344	346	348	346	348	449	449	452	454
Retained Earnings	406	423	458	478	494	536	561	587	657	704	739
Accumulated Other Comprehensive Income / (Loss)	-37	-29	-27	-23	-40	-59	-58	-45	-35	-36	-29
Noncontrolling Interest	-	-	-	-	-	-	0.00	0.00	-	22	3.12

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	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	Q3 2026
Period end date	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	6/30/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	61,697,224.00	61,535,978.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	61,697,224.00	61,535,978.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	0.80	0.62
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	13.49%	10.53%	10.01%	8.90%	6.73%	7.24%	10.50%	14.35%	19.32%	45.89%	34.65%
EBITDA Growth	25.75%	3.11%	6.43%	61.02%	7.22%	18.34%	45.75%	29.81%	40.77%	87.74%	46.13%
EBIT Growth	31.16%	3.00%	8.38%	100.76%	9.66%	24.99%	63.49%	38.75%	48.18%	104.26%	52.42%
NOPAT Growth	44.98%	9.32%	-1.90%	16.38%	12.26%	23.53%	58.95%	80.91%	44.37%	103.29%	47.64%
Net Income Growth	69.69%	416.33%	-1.49%	48.21%	8.94%	18.21%	47.65%	75.73%	42.84%	95.29%	45.24%
EPS Growth	44.00%	341.67%	4.17%	25.00%	11.11%	13.79%	36.00%	75.00%	37.50%	84.85%	41.18%
Operating Cash Flow Growth	84.10%	-57.15%	22.68%	57.44%	21.00%	145.15%	3.22%	18.27%	50.61%	31.20%	22.92%
Free Cash Flow Firm Growth	44.82%	22.44%	34.33%	52.13%	50.33%	89.81%	-16.95%	-112.30%	-290.75%	-4,634.80%	-459.35%
Invested Capital Growth	9.83%	11.53%	8.63%	6.89%	6.51%	3.75%	10.12%	13.15%	15.31%	42.78%	39.64%
Revenue Q/Q Growth	10.91%	-4.78%	-1.48%	4.67%	8.70%	-4.33%	1.52%	8.31%	13.42%	16.98%	-6.30%
EBITDA Q/Q Growth	111.50%	-22.17%	-14.29%	14.14%	40.83%	-14.10%	5.56%	1.65%	52.72%	14.57%	-17.84%
EBIT Q/Q Growth	180.26%	-26.51%	-18.60%	19.74%	53.09%	-16.23%	6.46%	1.62%	63.51%	15.46%	-20.55%
NOPAT Q/Q Growth	116.45%	-26.94%	-15.48%	-12.93%	108.80%	-19.61%	8.76%	-0.90%	66.62%	13.20%	-21.01%
Net Income Q/Q Growth	177.67%	-24.56%	-16.43%	-15.34%	104.11%	-18.14%	4.38%	0.76%	65.91%	11.92%	-22.37%
EPS Q/Q Growth	125.00%	-19.44%	-13.79%	-20.00%	100.00%	-17.50%	3.03%	2.94%	57.14%	10.91%	-21.31%
Operating Cash Flow Q/Q Growth	-21.96%	-29.86%	123.77%	28.53%	-40.02%	42.11%	-5.78%	47.28%	-23.63%	23.80%	-11.73%
Free Cash Flow Firm Q/Q Growth	45.67%	-43.11%	23.98%	19.02%	43.62%	70.64%	-772.50%	-47.01%	-3.77%	-255.73%	-3.07%
Invested Capital Q/Q Growth	2.09%	1.44%	1.49%	1.70%	1.74%	-1.19%	7.72%	4.50%	3.68%	22.34%	5.36%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	57.53%	58.67%	59.24%	59.54%	57.91%	58.26%	59.05%	58.96%	58.37%	58.19%	58.79%
EBITDA Margin	15.45%	12.62%	10.98%	11.98%	15.52%	13.93%	14.49%	13.60%	18.31%	17.93%	15.72%
Operating Margin	12.36%	9.55%	7.87%	8.83%	13.10%	11.18%	11.57%	10.98%	15.87%	15.18%	13.09%
EBIT Margin	12.45%	9.61%	7.94%	9.08%	12.79%	11.20%	11.75%	11.02%	15.89%	15.68%	13.30%
Profit (Net Income) Margin	9.49%	7.52%	6.38%	5.16%	9.69%	8.29%	8.52%	7.93%	11.60%	11.10%	9.19%
Tax Burden Percent	75.51%	74.97%	78.04%	57.89%	74.95%	73.78%	76.35%	73.64%	74.87%	75.72%	74.01%
Interest Burden Percent	100.94%	104.37%	102.93%	98.11%	101.03%	100.29%	95.02%	97.68%	97.48%	93.44%	93.41%
Effective Tax Rate	24.49%	25.03%	21.96%	42.11%	25.05%	26.22%	23.65%	26.36%	25.13%	24.28%	25.99%
Return on Invested Capital (ROIC)	12.51%	9.77%	8.35%	6.92%	13.26%	11.33%	11.88%	10.90%	16.34%	15.69%	13.34%
ROIC Less NNEP Spread (ROIC-NNEP)	13.19%	11.53%	9.33%	7.09%	12.71%	11.58%	7.09%	9.14%	11.86%	13.60%	10.44%
Return on Net Nonoperating Assets (RNNOA)	1.23%	0.89%	0.81%	0.76%	1.20%	0.69%	0.16%	0.30%	0.30%	1.16%	0.69%
Return on Equity (ROE)	13.74%	10.66%	9.16%	7.68%	14.46%	12.02%	12.05%	11.20%	16.64%	16.85%	14.04%
Cash Return on Invested Capital (CROIC)	0.29%	-1.21%	1.11%	2.76%	3.33%	6.49%	1.18%	-0.55%	-1.32%	-21.24%	-18.78%
Operating Return on Assets (OROA)	9.37%	7.30%	6.09%	7.13%	10.15%	8.07%	8.53%	8.16%	12.18%	11.71%	10.41%
Return on Assets (ROA)	7.14%	5.71%	4.89%	4.05%	7.68%	5.97%	6.19%	5.87%	8.89%	8.28%	7.19%
Return on Common Equity (ROCE)	13.74%	10.66%	9.16%	7.68%	14.46%	12.02%	12.04%	11.20%	16.64%	16.67%	14.02%
Return on Equity Simple (ROE_SIMPLE)	6.47%	9.80%	9.75%	0.00%	10.39%	10.52%	0.00%	0.00%	0.00%	0.00%	0.00%
Net Operating Profit after Tax (NOPAT)	28	20	17	15	31	25	27	27	45	51	41
NOPAT Margin	9.33%	7.16%	6.14%	5.11%	9.82%	8.25%	8.84%	8.09%	11.88%	11.49%	9.69%
Net Nonoperating Expense Percent (NNEP)	-0.68%	-1.75%	-0.98%	-0.17%	0.55%	-0.25%	4.80%	1.76%	4.48%	2.09%	2.90%
Return On Investment Capital (ROIC_SIMPLE)	2.47%	-	-	-	2.73%	1.72%	1.82%	1.76%	2.86%	3.09%	2.40%
Cost of Revenue to Revenue	42.47%	41.33%	40.76%	40.46%	42.09%	41.74%	40.95%	41.04%	41.63%	41.81%	41.21%
SG&A Expenses to Revenue	42.37%	46.51%	48.47%	47.62%	42.20%	44.45%	45.31%	45.25%	40.19%	40.86%	43.39%
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	45.17%	49.12%	51.37%	50.71%	44.81%	47.08%	47.48%	47.97%	42.50%	43.01%	45.70%
Earnings before Interest and Taxes (EBIT)	37	27	22	27	41	34	37	37	61	70	56
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	46	36	31	35	50	43	45	46	70	80	66
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.62	0.78	0.72	0.76	0.81	0.95	0.77	1.13	1.10	1.40	1.83
Price to Tangible Book Value (P/TBV)	1.16	1.46	1.33	1.40	1.44	1.65	1.25	1.81	1.74	3.00	3.77
Price to Revenue (P/Rev)	0.44	0.56	0.51	0.53	0.56	0.67	0.62	0.91	0.89	1.06	1.34
Price to Earnings (P/E)	9.60	7.97	7.36	7.38	7.77	9.03	7.78	10.58	9.62	10.68	13.44
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	10.42%	12.55%	13.59%	13.54%	12.87%	11.07%	12.85%	9.45%	10.39%	9.36%	7.44%
Enterprise Value to Invested Capital (EV/IC)	0.65	0.80	0.74	0.78	0.82	0.95	0.76	1.13	1.11	1.35	1.72
Enterprise Value to Revenue (EV/Rev)	0.51	0.61	0.57	0.60	0.63	0.71	0.60	0.89	0.86	1.16	1.45
Enterprise Value to EBITDA (EV/EBITDA)	4.19	5.13	4.78	4.68	4.90	5.35	4.25	6.21	5.66	7.13	8.80
Enterprise Value to EBIT (EV/EBIT)	5.65	6.92	6.43	6.11	6.33	6.82	5.30	7.64	6.83	8.41	10.30
Enterprise Value to NOPAT (EV/NOPAT)	7.08	8.65	8.22	8.60	8.83	9.53	7.40	10.21	9.19	11.35	14.00
Enterprise Value to Operating Cash Flow (EV/OCF)	4.96	7.47	6.60	6.13	6.30	6.06	5.20	7.63	7.11	9.90	12.68
Enterprise Value to Free Cash Flow (EV/FCFF)	233.18	0.00	69.23	29.33	25.56	14.94	67.67	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.47	0.45	0.45	0.41	0.40	0.73	0.52	0.51	0.48	0.45	0.44
Long-Term Debt to Equity	0.42	0.41	0.28	0.28	0.27	0.61	0.52	0.51	0.48	0.45	0.44
Financial Leverage	0.09	0.08	0.09	0.11	0.09	0.06	0.02	0.03	0.03	0.09	0.07
Leverage Ratio	1.95	1.94	1.93	1.91	1.86	2.02	1.89	1.88	1.84	1.98	1.88
Compound Leverage Factor	1.97	2.02	1.98	1.87	1.88	2.03	1.80	1.84	1.79	1.85	1.75
Debt to Total Capital	31.75%	31.08%	31.07%	28.92%	28.46%	42.15%	34.33%	33.56%	32.63%	31.25%	30.79%
Short-Term Debt to Total Capital	3.02%	2.96%	11.81%	9.11%	8.96%	7.02%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	28.73%	28.12%	19.26%	19.81%	19.50%	35.13%	34.33%	33.56%	32.63%	31.25%	30.79%
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%	1.32%	0.19%
Common Equity to Total Capital	68.25%	68.92%	68.93%	71.08%	71.54%	57.85%	65.63%	66.44%	67.37%	67.43%	69.02%
Debt to EBITDA	2.73	2.71	2.67	2.20	2.16	3.91	3.00	2.83	2.55	2.15	1.99
Net Debt to EBITDA	0.55	0.44	0.52	0.55	0.52	0.25	-0.17	-0.12	-0.15	0.54	0.66
Long-Term Debt to EBITDA	2.47	2.45	1.66	1.51	1.48	3.26	3.00	2.83	2.55	2.15	1.99
Debt to NOPAT	4.61	4.57	4.60	4.05	3.89	6.97	5.22	4.65	4.14	3.43	3.16
Net Debt to NOPAT	0.92	0.74	0.90	1.02	0.93	0.45	-0.30	-0.20	-0.24	0.86	1.05
Long-Term Debt to NOPAT	4.17	4.13	2.85	2.77	2.66	5.81	5.22	4.65	4.14	3.43	3.16
Altman Z-Score	2.09	2.21	2.11	2.22	2.36	2.17	2.25	2.48	2.59	2.71	3.06
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.03%	0.00%	0.00%	1.10%	0.14%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	4.00	4.17	2.59	2.71	2.91	4.04	6.31	5.61	6.03	4.71	4.81
Quick Ratio	2.57	2.68	1.68	1.65	1.77	2.91	4.70	3.87	4.11	3.04	3.01
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-48	-68	-52	-42	-24	-6.97	-61	-89	-93	-330	-340
Operating Cash Flow to CapEx	299.01%	232.87%	1,048.38%	221.41%	463.38%	441.99%	383.07%	325.41%	525.10%	463.54%	432.20%
Free Cash Flow to Firm to Interest Expense	-13.89	-20.10	-14.69	-13.14	-7.54	-2.12	-7.19	-10.98	-11.36	-39.50	-40.72
Operating Cash Flow to Interest Expense	6.24	4.43	9.53	13.53	8.26	11.26	4.11	6.29	4.79	5.80	5.12
Operating Cash Flow Less CapEx to Interest Expense	4.16	2.53	8.62	7.42	6.48	8.71	3.04	4.36	3.88	4.55	3.94
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.75	0.76	0.77	0.78	0.79	0.72	0.73	0.74	0.77	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	2.83	2.96	2.88	2.67	2.67	2.68	2.56	2.40	2.44	2.53	2.42
Fixed Asset Turnover	17.41	18.07	18.68	17.33	17.87	18.87	19.35	18.04	19.35	19.55	20.26
Accounts Payable Turnover	6.53	6.84	6.54	5.73	7.05	7.43	6.86	5.53	6.73	6.27	6.61
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)	128.81	123.50	126.59	136.46	136.65	136.45	142.46	152.15	149.61	144.38	150.58
Days Payable Outstanding (DPO)	55.91	53.35	55.84	63.71	51.77	49.14	53.23	66.05	54.24	58.21	55.18
Cash Conversion Cycle (CCC)	72.90	70.15	70.74	72.74	84.88	87.31	89.23	86.10	95.37	86.17	95.40
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	847	859	872	887	902	891	960	1,003	1,040	1,273	1,341
Invested Capital Turnover	1.34	1.36	1.36	1.35	1.35	1.37	1.34	1.35	1.38	1.36	1.38
Increase / (Decrease) in Invested Capital	76	89	69	57	55	32	88	117	138	381	381
Enterprise Value (EV)	554	684	646	696	744	849	734	1,137	1,152	1,719	2,304
Market Capitalization	481	625	575	614	666	809	764	1,159	1,183	1,566	2,127
Book Value per Share	$14.07	$14.51	$14.59	$14.70	$15.13	$15.50	$17.99	$16.84	$17.58	$18.15	$18.93
Tangible Book Value per Share	$7.52	$7.76	$7.87	$8.03	$8.48	$8.91	$11.08	$10.54	$11.17	$8.46	$9.17
Total Capital	1,135	1,161	1,163	1,132	1,152	1,472	1,508	1,544	1,589	1,661	1,687
Total Debt	361	361	361	327	328	621	518	518	519	519	519
Total Long-Term Debt	326	327	224	224	225	517	518	518	519	519	519
Net Debt	72	59	71	82	78	40	-30	-22	-30	131	173
Capital Expenditures (CapEx)	7.18	6.47	3.22	20	5.61	8.36	9.09	16	7.46	10	9.90
Debt-free, Cash-free Net Working Capital (DFCFNWC)	346	346	366	383	405	392	434	455	484	505	572
Debt-free Net Working Capital (DFNWC)	573	583	593	563	589	906	915	925	955	860	884
Net Working Capital (NWC)	539	549	456	460	486	803	915	925	955	860	884
Net Nonoperating Expense (NNE)	-0.47	-1.02	-0.66	-0.14	0.42	-0.12	0.98	0.53	1.08	1.78	2.08
Net Nonoperating Obligations (NNO)	72	59	71	82	78	40	-30	-22	-30	131	173
Total Depreciation and Amortization (D&A)	8.98	8.61	8.56	8.52	8.72	8.36	8.52	8.67	9.24	10	10
Debt-free, Cash-free Net Working Capital to Revenue	31.94%	31.10%	32.17%	32.96%	34.29%	32.56%	35.20%	35.73%	36.23%	34.21%	36.08%
Debt-free Net Working Capital to Revenue	52.87%	52.47%	52.15%	48.44%	49.85%	75.37%	74.30%	72.62%	71.50%	58.26%	55.82%
Net Working Capital to Revenue	49.71%	49.38%	40.08%	39.57%	41.12%	66.77%	74.30%	72.62%	71.50%	58.26%	55.82%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.52	$0.39	$0.33	$0.27	$0.57	$0.46	$0.45	$0.43	$0.72	$0.80	$0.62
Adjusted Weighted Average Basic Shares Outstanding	55.08M	55.09M	54.90M	54.94M	54.83M	54.97M	59.13M	57.47M	61.24M	61.65M	61.54M
Adjusted Diluted Earnings per Share	$0.36	$0.29	$0.25	$0.20	$0.40	$0.33	$0.34	$0.35	$0.55	$0.61	$0.48
Adjusted Weighted Average Diluted Shares Outstanding	86.81M	83.05M	83.01M	84.45M	83.35M	83.14M	82.92M	83.38M	83.28M	83.41M	83.36M
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	55.15M	54.94M	54.74M	54.47M	54.94M	55.01M	60.90M	60.89M	61.70M	61.54M	61.44M
Normalized Net Operating Profit after Tax (NOPAT)	28	20	17	15	31	25	27	27	45	51	41
Normalized NOPAT Margin	9.29%	7.16%	6.15%	5.14%	9.82%	8.25%	8.84%	8.11%	11.90%	11.49%	9.69%
Pre Tax Income Margin	12.57%	10.03%	8.17%	8.91%	12.93%	11.23%	11.16%	10.77%	15.49%	14.65%	12.42%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	10.86	8.07	6.31	8.35	13.02	10.46	4.32	4.56	7.43	8.39	6.67
NOPAT to Interest Expense	8.14	6.01	4.89	4.70	9.99	7.70	3.25	3.34	5.56	6.15	4.86
EBIT Less CapEx to Interest Expense	8.77	6.17	5.41	2.24	11.23	7.91	3.25	2.62	6.52	7.14	5.48
NOPAT Less CapEx to Interest Expense	6.05	4.11	3.98	-1.41	8.21	5.15	2.18	1.41	4.64	4.90	3.67
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	25.86%	15.33%	15.37%	14.45%	14.01%	11.16%	9.17%	6.39%	3.25%	4.77%	5.68%

Financials Breakdown Chart

Key Financial Trends

EZCORP’s latest quarter shows solid revenue growth and improved profitability, but the balance sheet also reflects a few important changes investors should watch closely.

Q2 2026 revenue rose to $446.9 million, up from $382.0 million in Q1 2026 and $336.8 million in Q4 2025, showing continued top-line momentum.
Gross profit increased to $260.0 million in Q2 2026, compared with $223.0 million in Q1 2026 and $198.6 million in Q4 2025.
Operating income improved to $67.8 million in Q2 2026, up from $60.6 million in Q1 2026 and $37.0 million in Q4 2025.
Net income attributable to common shareholders rose to $49.1 million in Q2 2026 versus $44.3 million in Q1 2026 and $26.7 million in Q4 2025.
Operating cash flow was strong at $48.5 million in Q2 2026, indicating the business continues to generate cash from operations.
Retained earnings increased to $703.7 million in Q2 2026 from $657.0 million in Q1 2026, reflecting continued earnings accumulation over time.
The company held $354.2 million in cash and equivalents at quarter-end, giving it a sizable liquidity cushion.
Revenue growth has been steady over the last year, but much of the improvement appears to be paired with higher operating costs and balance sheet growth.
EZCORP continues to carry a meaningful amount of goodwill and intangible assets, which is common after acquisitions but can add impairment risk if performance weakens.
Quarterly diluted EPS improved to $0.61 in Q2 2026 from $0.55 in Q1 2026 and $0.35 in Q4 2025, but share counts remain relatively high.
Short-term debt moved to $0 in Q2 2026 from $103.3 million in Q2 2025, but total long-term debt remains elevated at $519.0 million.
Total liabilities increased to $984.8 million in Q2 2026 from $916.8 million in Q1 2026, so leverage still deserves attention.
Cash declined sharply quarter over quarter, falling from $465.9 million in Q1 2026 to $354.2 million in Q2 2026.
Investing cash outflows remained significant, including $16.5 million of acquisitions in Q2 2026, which could pressure liquidity if M&A continues aggressively.
Noncash adjustments and working-capital changes were sizable, suggesting earnings quality should be monitored alongside reported profit growth.

Bottom line: EZCORP is currently showing a healthy combination of rising revenue, expanding profits, and solid operating cash generation. However, investors should keep an eye on debt, acquisition spending, and the recent decline in cash balance. The trend looks positive overall, but the balance sheet is not without risks.

08/17/26 12:28 AM ETAI Generated. May Contain Errors.

EZCORP Financials - Frequently Asked Questions

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.

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 what's next for the company.

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

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%.

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.

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.

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%.

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Financial statements for NASDAQ:EZPW last updated on 8/5/2026 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

Annual Income Statements for EZCORP

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

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

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