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Ezcorp Inc

EZPW Nasdaq Retail-Miscellaneous Retail Financials FY2016–FY2025

Last close · Oct 23, 2026

$28.70

2.2%
Compare
Revenue Total sales reported in the income statement.
$1.3B
9.7% vs prior year
Operating margin Operating income as a share of revenue.
11.7%
2.0 pts
Net income Profit after all expenses, interest and tax.
$110M
31.9%
Free cash flow Cash from operations minus capital spending.
$110M
41.9%
Return on capital After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
10.4%
2.0 pts
Market cap Last close times the latest diluted share count, so it is approximate.
$2.4B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
14.4x
On $1.99 EPS (TTM)

What Ezcorp Inc does

No business description yet.

Legal name
EZCORP INC
Fiscal year ends
September 30, 2025
Latest annual report
10-K · Nov 13, 2025
Accession · CIK
0000876523-25-000094
0000876523

Revenue and margins

Ezcorp Inc had $1.3B of revenue in fiscal 2025, up 9.7% on the year before.

Revenue
Revenue
Margins, % of revenue
Gross Operating Net FCF
Margins, % of revenue
Gross Operating Net FCF

Net income and earnings per share

Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

Return on capital, equity and assets (annual)
Return on capital Return on equity Return on assets

Cash flow

Free cash flow was $110M in fiscal 2025, 8.7% of revenue. Cash from operations minus capital spending.

Free cash flow
Free cash flow
Cash from operations vs capital spending
Cash from operations Capital spending
Cash from operations vs capital spending
Cash from operations Capital spending

Dividends, buybacks and share count

Ezcorp Inc returned $7.0M to shareholders in fiscal 2025, 6% of free cash flow. The diluted share count fell 1.3%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Cash, debt and the ratios that show how comfortably Ezcorp Inc can carry it.

Cash vs debt (incl. leases)
Cash Debt
Fiscal year endFY21FY22FY23FY24FY25
Cash and short-term investments $254M$206M$221M$171M$470M
Debt incl. finance leases $311M$313M$362M$329M$519M
Net debt / EBITDA 0.9x1.0x1.1x1.1x0.3x
Debt / equity 0.5x0.5x0.5x0.4x0.5x
Interest coverage 1.4x7.5x5.6x8.3x6.5x
Current ratio 3.9x4.2x3.7x2.7x5.6x
Quick ratio 3.2x3.2x2.9x2.0x4.4x
Total assets $1.3B$1.3B$1.5B$1.5B$2.0B
Total liabilities $595M$656M$722M$689M$926M
Shareholders' equity $672M$692M$746M$805M$1.0B
Net debt (− = net cash) $57.8M$107M$142M$158M$49.8M

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. “Plan” marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

No open-market insider trades in the last 12 months.

Piotroski F-score

Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.

TestFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Net income is positive ✕ ✓ ✓ ✓ ✕ ✓ ✓ ✓ ✓ ✓
Cash from operations is positive ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Return on assets rose — ✓ ✕ ✕ ✕ ✓ ✓ ✕ ✓ ✓
Cash from operations exceeds net income ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓ ✓
Debt fell relative to assets — ✓ ✕ ✓ ✓ ✕ ✓ ✕ ✓ ✕
Current ratio rose — ✓ ✕ ✓ ✕ ✕ ✓ ✕ ✕ ✓
Share count didn't rise — ✓ ✕ ✓ ✓ ✕ ✕ ✓ ✕ ✓
Gross margin rose — ✕ ✓ ✕ ✕ ✓ ✕ ✕ ✓ ✕
Revenue rose relative to assets — ✕ ✕ ✓ ✕ ✕ ✓ ✓ ✓ ✕
F-score — / 37 / 94 / 97 / 94 / 95 / 97 / 95 / 97 / 96 / 9
Accruals ratio −15.1%−1.9%−4.6%−8.7%−10.3%−3.1%−1.3%−4.5%−2.1%−2.3%
Altman Z'' 5.456.635.526.894.364.624.854.824.865.81

10 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $731M $748M $812M $847M $823M $730M $886M $1.0B $1.2B $1.3B
Provision for credit losses $2.0M $2.0M — — — — — — — —
Gross profit $428M $436M $482M $494M $449M $449M $528M $610M $682M $746M
Operating income $29.2M $53.0M $67.1M $47.0M −$48.4M $31.2M $74.9M $92.2M $113M $149M
Interest expense $16.5M $27.8M $27.8M $32.6M $22.5M $22.2M $10.0M $16.5M $13.6M $23.0M
Pretax income $0.4M $42.7M $55.5M $4.2M −$70.1M $16.1M $67.7M $51.6M $116M $147M
Income tax $9.4M $11.1M $18.4M $2.4M −$1.6M $7.5M $17.6M $13.2M $32.5M $37.2M
Net income −$80.7M $31.4M $37.3M $2.5M −$68.5M $8.6M $50.2M $38.5M $83.1M $110M
Net income to common — — — — −$68.5M $8.6M $50.2M $38.5M $83.1M $110M
Diluted EPS −$1.49 $0.58 $0.64 $0.05 −$1.24 $0.15 $0.70 $0.53 $1.10 $1.42
Diluted shares 0.05B 0.05B 0.06B 0.06B 0.06B 0.06B 0.08B 0.08B 0.08B 0.08B
Cash flow
Cash from operations $68.1M $50.7M $89.0M $104M $49.1M $46.4M $66.5M $102M $114M $149M
Capital expenditure $13.3M $25.0M $40.5M $38.8M $28.5M $23.6M $31.9M $40.4M $35.8M $38.6M
Free cash flow $54.9M $25.7M $48.5M $64.7M $20.6M $22.8M $34.6M $61.4M $77.8M $110M
Depreciation and amortization $28.7M $23.7M $25.5M $28.8M $30.8M $30.7M $32.1M $32.1M $33.1M $32.5M
Stock-based compensation $5.3M $5.9M $10.8M $9.8M −$5.1M $3.9M $5.1M $9.5M $10.4M $12.5M
Acquisitions $6.0M $2.3M $93.2M $8.1M $0.0M $19.0M $1.9M $14.9M $12.1M $20.7M
Share buybacks $11.8M $0.0M $0.0M $0.0M $5.2M $0.0M $2.0M $17.0M $12.0M $7.0M
Dividends and buybacks $11.8M $0.0M $0.0M $0.0M $5.2M $0.0M $2.0M $17.0M $12.0M $7.0M
Balance sheet
Cash and short-term investments $65.7M $164M $285M $158M $305M $254M $206M $221M $171M $470M
Total debt $284M $285M $417M $239M $251M $311M $313M $360M $327M $518M
Finance lease liabilities — — — — — — $0.2M $2.2M $1.7M $1.2M
Current assets $482M $581M $749M $606M $593M $611M $644M $720M $729M $1.1B
Current liabilities $95.0M $72.6M $260M $91.1M $132M $155M $153M $192M $269M $201M
Inventory $140M $154M $167M $179M $95.9M $111M $152M $166M $192M $248M
Property and equipment, net $58.5M $58.0M $73.6M $67.4M $57.0M $53.8M $56.7M $68.1M $66.0M $75.3M
Goodwill $254M $255M $299M $301M $258M $286M $287M $302M $306M $325M
Intangible assets $30.7M $32.4M $54.9M $68.0M $58.6M $62.1M $56.8M $58.2M $58.5M $58.8M
Total assets $983M $1.0B $1.2B $1.1B $1.2B $1.3B $1.3B $1.5B $1.5B $2.0B
Total liabilities $389M $364M $502M $339M $548M $595M $656M $722M $689M $926M
Shareholders' equity $595M $662M $743M $745M $649M $672M $692M $746M $805M $1.0B
Margins
Gross margin 58.6% 58.2% 59.3% 58.4% 54.6% 61.6% 59.6% 58.1% 58.7% 58.5%
Operating margin 4.0% 7.1% 8.3% 5.5% −5.9% 4.3% 8.5% 8.8% 9.7% 11.7%
EBITDA margin 7.9% 10.3% 11.4% 8.9% −2.1% 8.5% 12.1% 11.8% 12.5% 14.3%
Net margin −11.1% 4.2% 4.6% 0.3% −8.3% 1.2% 5.7% 3.7% 7.2% 8.6%
FCF margin 7.5% 3.4% 6.0% 7.6% 2.5% 3.1% 3.9% 5.9% 6.7% 8.7%
Returns
Return on capital 2.3% 5.0% 5.1% 3.7% −6.4% 2.8% 6.9% 7.8% 8.4% 10.4%
Return on capital employed 3.3% 5.6% 6.8% 4.7% −4.5% 2.8% 6.3% 7.2% 9.2% 8.5%
Return on equity −13.6% 5.0% 5.3% 0.3% −9.8% 1.3% 7.4% 5.3% 10.7% 12.0%
Return on assets −8.2% 3.1% 3.3% 0.2% −6.0% 0.7% 3.8% 2.7% 5.6% 6.4%
Return on tangible equity −26.0% 8.4% 9.6% 0.7% −20.6% 2.7% 14.4% 10.0% 18.9% 17.1%
Growth
Revenue growth — 2.4% 8.6% 4.3% −2.9% −11.3% 21.5% 18.4% 10.7% 9.7%
Net income growth — — 18.7% −93.2% −2,794.3% — 482.4% −23.3% 116.0% 31.9%
EPS growth — — 10.3% −92.2% −2,580.0% — 366.7% −24.3% 107.5% 29.1%
FCF growth — −53.2% 89.0% 33.3% −68.2% 11.1% 51.7% 77.2% 26.8% 41.9%
Share count change — −0.1% 6.5% −3.3% −1.2% 1.1% 47.3% −1.9% 4.4% −1.3%
Financial health
Net debt / EBITDA 3.8x 1.6x 1.4x 1.1x — 0.9x 1.0x 1.1x 1.1x 0.3x
Debt / equity 0.5x 0.4x 0.6x 0.3x 0.4x 0.5x 0.5x 0.5x 0.4x 0.5x
Interest coverage 1.8x 1.9x 2.4x 1.4x −2.2x 1.4x 7.5x 5.6x 8.3x 6.5x
Current ratio 5.1x 8.0x 2.9x 6.7x 4.5x 3.9x 4.2x 3.7x 2.7x 5.6x
Quick ratio 3.6x 5.9x 2.2x 4.7x 3.8x 3.2x 3.2x 2.9x 2.0x 4.4x
Capital allocation
Capex / revenue 1.8% 3.3% 5.0% 4.6% 3.5% 3.2% 3.6% 3.9% 3.1% 3.0%
Stock comp / revenue 0.7% 0.8% 1.3% 1.2% −0.6% 0.5% 0.6% 0.9% 0.9% 1.0%
Payouts / FCF 21.4% 0.0% 0.0% 0.0% 25.1% 0.0% 5.9% 27.7% 15.4% 6.3%
Quality scores
Piotroski F-score — 7.0 4.0 7.0 4.0 5.0 7.0 5.0 7.0 6.0
Altman Z'' 5.4 6.6 5.5 6.9 4.4 4.6 4.8 4.8 4.9 5.8
Accruals ratio −15.1% −1.9% −4.6% −8.7% −10.3% −3.1% −1.3% −4.5% −2.1% −2.3%

Source: SEC EDGAR XBRL filings (CIK 0000876523). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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