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EZCORP Inc

Financial Services US EZPW

28.14USD
-3.93(12.25%)

Last update at 2026-06-10T18:30:00Z

Day Range

27.8632.13
LowHigh

52 Week Range

12.8531.00
LowHigh

Fundamentals

  • Previous Close 32.07
  • Market Cap1887.94M
  • Volume1917404
  • P/E Ratio19.49
  • Dividend Yield-%
  • EBITDA201.89M
  • Revenue TTM1336.13M
  • Revenue Per Share TTM22.62
  • Gross Profit TTM 783.63M
  • Diluted EPS TTM1.57

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly yearly
Date 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Income before tax 146.77M 115.61M 51.63M 67.71M 16.06M
Minority interest - - - - 0.00000M
Net income 109.61M 83.09M 38.46M 50.16M 8.61M
Selling general administrative 83.50M 75.56M 67.53M 64.34M 56.49M
Selling and marketing expenses - - - - -
Gross profit 746.07M 682.27M 609.84M 528.15M 449.49M
Reconciled depreciation 32.54M 33.07M 89.07M 84.34M 79.15M
Ebit 169.80M 129.19M 72.64M 74.92M 31.17M
Ebitda 202.34M 162.26M 161.71M 161.35M 117.47M
Depreciation and amortization 32.54M 33.07M 89.07M 86.43M 86.31M
Non operating income net other - - - 2.76M 7.07M
Operating income 149.17M 112.53M 92.15M 74.92M 31.17M
Other operating expenses 1125.11M 1049.07M 957.44M 811.98M 698.30M
Interest expense 23.03M 13.59M 16.46M 9.97M 22.18M
Tax provision 37.16M 32.51M 13.17M 17.55M 7.45M
Interest income 14.72M 10.57M 7.47M 0.82M 2.48M
Net interest income -8.30800M -3.01000M -8.98600M -9.15500M -19.70000M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 37.16M 32.51M 13.17M 17.55M 7.45M
Total revenue 1274.28M 1161.60M 1049.04M 886.23M 729.55M
Total operating expenses 596.90M 569.74M 518.23M 453.90M 418.23M
Cost of revenue 528.22M 479.33M 439.20M 358.08M 280.07M
Total other income expense net -2.39600M 3.08M -30.98500M -7.20900M -15.10700M
Discontinued operations - - - - -
Net income from continuing ops 109.61M 83.09M 38.46M 50.16M 8.61M
Net income applicable to common shares - - - 50.16M 8.61M
Preferred stock and other adjustments - - - - -
Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly yearly
Date 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Total assets 1951.21M 1493.24M 1467.71M 1347.88M 1266.91M
Intangible assets 58.83M 58.45M 58.22M 56.82M 62.10M
Earning assets - - - - -
Other current assets 9.95M 12.64M 4.11M 34.60M 40.97M
Total liab 925.72M 688.67M 721.94M 655.65M 594.67M
Total stockholder equity 1025.48M 804.57M 745.77M 692.23M 672.24M
Deferred long term liab - - - 0.37M 3.68M
Other current liab 72.63M 55.00M 58.58M 60.45M 56.87M
Common stock 0.61M 0.55M 0.55M 0.56M 0.56M
Capital stock 0.61M 0.55M 0.55M 0.56M 0.56M
Retained earnings 612.69M 507.21M 431.14M 402.01M 326.78M
Other liab - - - 9.12M 14.07M
Good will 324.89M 306.48M 302.37M 286.83M 285.76M
Other assets - - - 19.80M 15.66M
Cash 469.52M 170.51M 220.59M 206.03M 253.67M
Cash and equivalents - - - - -
Total current liabilities 200.57M 269.38M 191.97M 152.87M 155.09M
Current deferred revenue 33.90M 21.57M 18.92M 16.02M 12.56M
Net debt 294.52M 396.43M 389.89M 339.96M 224.11M
Short term debt 61.23M 162.07M 91.45M 52.33M 52.26M
Short long term debt - 103.07M 34.27M - -
Short long term debt total 764.04M 566.94M 610.48M 545.99M 477.78M
Other stockholder equity 450.89M 348.37M 346.18M 345.33M 403.31M
Property plant equipment - - - 278.31M 53.81M
Total current assets 1125.96M 729.00M 719.72M 644.16M 610.86M
Long term investments 70.03M 65.23M 47.21M 61.95M 38.91M
Net tangible assets - - - 348.58M 324.38M
Short term investments - - - - -
Net receivables 398.02M 353.92M 320.17M 243.49M 205.24M
Long term debt 518.08M 224.26M 325.85M 312.90M 264.19M
Inventory 248.46M 191.92M 166.48M 151.62M 110.99M
Accounts payable 22.92M 20.85M 23.02M 84.51M 90.27M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -38.70300M -51.54700M -32.10200M -55.66900M -58.41500M
Additional paid in capital - - - - -
Common stock total equity - - - 0.56M 0.56M
Preferred stock total equity - - - - -
Retained earnings total equity - - - 402.01M 326.78M
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 30.26M 68.04M 12.01M 7.66M 5.92M
Deferred long term asset charges - - - - -
Non current assets total 825.25M 764.24M 747.99M 703.72M 656.05M
Capital lease obligations 245.96M 239.61M 250.37M 233.09M 213.59M
Long term debt total - - - 312.90M 264.19M
Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly yearly
Date 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Investments -117.86200M -111.85300M -110.88600M -23.42700M -250.54600M
Change to liabilities - - - -61.78200M -54.20900M
Total cashflows from investing activities -117.86200M -111.85300M - -113.28300M -84.61100M
Net borrowings 292.98M -34.88100M - - -15.41400M
Total cash from financing activities 274.42M -50.18300M 23.69M -2.83200M -16.25300M
Change to operating activities - - - 3.24M 7.37M
Net income 109.61M 83.09M 38.46M 50.16M 8.61M
Change in cash 304.91M -49.16100M 14.60M -49.25500M -48.92900M
Begin period cash flow 179.81M 228.97M 214.37M 263.62M 312.55M
End period cash flow 484.71M 179.81M 228.97M 214.37M 263.62M
Total cash from operating activities 148.99M 113.60M 101.83M 66.53M 46.44M
Issuance of capital stock - - - - -
Depreciation 32.54M 33.07M 89.07M 84.34M 79.15M
Other cashflows from investing activities -57.82200M -47.16500M - -1.00000M 189.54M
Dividends paid 3.61M 3.54M -3.58900M -3.36600M -
Change to inventory -18.17900M -8.48800M -4.81000M -15.34100M 0.37M
Change to account receivables -3.83300M -5.21700M -4.20400M -4.57200M -7.33200M
Sale purchase of stock -6.99900M -12.00800M -16.98800M -2.04000M 0.00000M
Other cashflows from financing activities -11.56500M -3.29400M -10.55700M 2.57M -0.83900M
Change to netincome - - - 11.84M -4.76200M
Capital expenditures 38.56M 35.76M 40.45M 31.89M 23.60M
Change receivables - - - - -
Cash flows other operating - - - 51.44M 51.96M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - -49.58000M -54.42600M
Change in working capital -57.18100M -71.31600M -58.05500M -81.24200M -50.36100M
Stock based compensation 12.46M 10.41M 9.54M 5.05M 3.95M
Other non cash items 54.63M 56.99M 35.62M 3.28M 1.81M
Free cash flow 110.42M 77.84M 61.39M 34.64M 22.84M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
EZPW
EZCORP Inc		 -3.93 12.25% 28.14 19.49 17.09 1.41 1.76 1.64 9.70
V
Visa Inc. Class A		 -0.395 0.12% 324.65 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 -5.8099 1.17% 489.43 37.04 29.50 16.14 62.35 16.47 27.24
AXP
American Express Company		 -3.45 1.08% 314.93 21.46 18.83 3.38 6.76 3.93
COF
Capital One Financial Corporation		 -4.8325 2.64% 178.52 61.36 10.04 3.84 1.12 3.02

Reports Covered

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Profile

EZCORP, Inc. provides pawn services in the United States, Mexixo, and Latin America. It operates through U.S. Pawn, Latin America Pawn, and Other Investments segments. The company retails merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. It also provides pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. In addition, the company offers EZ+, a web-based application that allow customers to manage their pawn transactions, layaways, and loyalty rewards online. Further, the company operates under the EZPAWN, Value Pawn & Jewelry, Empeño Fácil, Cash Apoyo Efectivo, GuatePrenda, and MaxiEfectivo brands. EZCORP, Inc. was incorporated in 1989 and is headquartered in Austin, Texas.

EZCORP Inc

Building One, Austin, TX, United States, 78746

Key Executives

Name Title Year Born
Mr. Phillip Ean Cohen B.Com., M.B.A. Exec. Chairman 1949
Mr. Lachlan P. Given BBus CEO, Director & Chief Strategy, M&A and Funding Officer 1977
Mr. Timothy K. Jugmans Chief Financial Officer 1977
Mr. John Blair Powell Jr. COO & Pres of Global Pawn 1969
Mr. Thomas H. Welch Jr. Chief Legal Officer & Sec. 1955
Mr. Robert J. Hicks Chief Accounting Officer 1980
Mr. Keith Robertson Chief Information Officer 1965
Ms. Lisa VanRoekel Chief HR Officer 1970
Ms. Nicole Swies Chief Revenue Officer 1979
Mr. Sunil Sajnani CPA Chief Audit & Loss Prevention Exec. 1981

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