EZCORP INC

Listed Company

EZPWCIK 0000876523NasdaqAcceleratedRetail-Miscellaneous RetailDelawareFY ends Sep 30

Period

FY 2025

Revenue

$1.27B

Net Income

$109.61M

Total Assets

$1.95B

Equity

$1.03B

Shares Out

—

Op. Cash Flow

$148.99M

Business

EZCORP Inc. provides pawn services and related retail operations across the United States and Latin America, operating a large network of neighborhood pawn stores and web-based customer applications. It offers cash advances secured by tangible personal property, sells pre-owned merchandise (including forfeited pawn collateral), engages in jewelry scrapping, and provides customer protection plans, layaway and a loyalty program. The company reports its operations through U.S. Pawn, Latin America Pawn and Other Investments segments (including equity interests in other pawn businesses). It distributes services primarily through company-owned retail stores in the U.S., Mexico, Guatemala, El Salvador and Honduras, supported by online EZ+ tools.

Summary from filing dated 2025-11-13

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-09-30	FY 2024 2024-09-30	FY 2023 2023-09-30	FY 2022 2022-09-30	FY 2021 2021-09-30
Total revenues	1,274	1,162	1,049	886	730
Gross profit	746	682	610	528	449
Store expenses	481	461	419	357	331
General and administrative	84	76	68	64	56
Impairment of other assets	877,000	843,000	4	0	0
Depreciation and amortization	33	33	32	32	31
Loss (gain) on sale or disposal of assets and other	135,000	−16,000	208,000	−674,000	83,000
Other operating income	−1	−765,000	−5	0	229,000
Total operating expenses	597	570	518	453	418
Operating income	149	113	92	75	31
Interest expense	23	14	16	10	—
Interest income	−15	−11	−7	−817,000	−2
Equity in net (income) loss of unconsolidated affiliates	−6	−5	28	−2	−4
Other (income) expense	238,000	−1	3	−167,000	−790,000
Income before income taxes	147	116	52	68	16
Income tax expense	37	33	13	18	7
Net income	110	83	38	50	9
Basic earnings per share (in dollars per share)	1.91	1.51	0.69	0.89	0.15
Diluted earnings per share (in dollars per share)	1.42	1.1	0.53	0.7	0.15
Weighted-average basic shares outstanding (in shares)	57	55	56	56	56
Weighted-average diluted shares outstanding (in shares)	83	84	81	82	56

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-09-30	FY 2024 2024-09-30	FY 2023 2023-09-30	FY 2022 2022-09-30	FY 2021 2021-09-30
Cash and cash equivalents	470	171	221	206	254
Short-term restricted cash	525,000	9	8	8	10
Pawn loans	308	274	246	210	176
Pawn service charges receivable, net	49	44	39	33	29
Inventory, net	248	192	166	152	111
Prepaid expenses and other current assets	51	39	40	35	31
Total current assets	1,126	729	720	644	611
Investments in unconsolidated affiliates	18	13	11	38	38
Other investments	52	52	36	24	0
Property and equipment, net	75	66	68	57	54
Right-of-use assets, net	236	227	234	221	201
Long-term restricted cash	15	0	0	—	—
Goodwill	325	306	302	287	286
Intangible assets, net	59	58	58	57	62
Deferred tax asset, net	29	25	26	12	16
Other assets, net	16	16	12	7	5
Total assets	1,951	1,493	1,468	1,348	1,267
Current maturities of long-term debt, net	0	103	34	0	0
Accounts payable, accrued expenses and other current liabilities	105	86	82	85	90
Customer layaway deposits	34	22	19	16	13
Operating lease liabilities, current	61	59	57	52	52
Total current liabilities	201	269	192	153	155
Long-term debt, net	518	224	326	313	264
Deferred tax liability, net	3	2	435,000	373,000	4
Operating lease liabilities	185	181	193	181	161
Other long-term liabilities	20	12	11	9	10
Total liabilities	926	689	722	656	595
Commitments and contingencies (Note 12)	—	—	—	—	—
Additional paid-in capital	451	348	346	345	341
Retained earnings	613	507	431	402	353
Accumulated other comprehensive loss	−39	−52	−32	−56	−58
Total equity	1,025	805	746	692	672
Total liabilities and equity	1,951	1,493	1,468	1,348	1,267

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-09-30	FY 2024 2024-09-30	FY 2023 2023-09-30	FY 2022 2022-09-30	FY 2021 2021-09-30
Net income	110	83	38	50	9
Depreciation and amortization	33	33	32	32	31
Amortization of debt discount and deferred financing costs	2	2	2	1	14
Non-cash lease expense	59	58	57	—	—
Deferred income taxes	−3	1	−13	5	3
Impairment of other assets	877,000	843,000	4	0	0
Other adjustments	−2	789,000	−3	3	−185,000
Provision for inventory reserve	858,000	73,000	603,000	−2	−8
Stock compensation expense	12	10	10	5	4
Net loss on extinguishment of debt	0	0	4	0	0
Service charges and fees receivable	−4	−5	−4	−5	−7
Inventory	−18	−8	−5	−15	371,000
Prepaid expenses, other current assets and other assets	−6	−9	−2	3	7
Accounts payable, accrued expenses and other liabilities	−41	−57	−62	−65	−54
Customer layaway deposits	12	3	1	3	1
Income taxes	258,000	5	13	−3	2
Net cash provided by operating activities	149	114	102	67	46
Loans made	−1,007	−937	−822	−740	−602
Loans repaid	558	522	459	411	351
Recovery of pawn loan principal through sale of forfeited collateral	393	363	336	274	209
Capital expenditures, net	−39	−36	−40	−32	−24
Acquisitions, net of cash acquired	−21	−12	−15	−2	−19
Issuance of note receivable	−6	—	−16	−1	0
Proceeds from note receivable	—	421,000	—	—	—
Investment in unconsolidated affiliate	−786,000	−1	−2	−7	0
Investment in other investments	0	−16	−15	−17	0
Dividends from unconsolidated affiliates	4	4	4	0	0
Net cash used in investing activities	−118	−112	−111	−113	−85
Taxes paid related to net share settlement of equity awards	−4	−3	−1	−792,000	−839,000
Proceeds from borrowings	300	0	230	0	0
Debt issuance cost	−8	0	−7	0	0
Cash paid on extinguishment of debt	0	0	−2	0	0
Payments on debt	−6	−34	−178	—	—
Purchase and retirement of treasury stock	−7	−12	−17	−2	0
Payments of finance leases	−606,000	−492,000	−275,000	0	0
Net cash (used in) provided by financing activities	274	−50	24	−3	−16
Effect of exchange rate changes on cash and cash equivalents and restricted cash	−637,000	−725,000	−41,000	325,000	5
Net (decrease) increase in cash and cash equivalents and restricted cash	305	−49	15	−49	−49

Filings

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