EZCORP INC EZPW
EZCORP, Inc. is a leading provider of pawn services in the United States ("U.S.") and Latin America with 1,360 locations and approximately 8,500 Team Members. We are a Delaware corporation headquartered in Austin, Texas.
"We exist to serve our customers' short-term cash and pre-owned retail needs, helping them to live and enjoy their lives.
We are driven by a diverse team with a passion for pawn who are motivated to be their best — because our customers, families, stakeholders, and the communities and environment in which we live deserve it."
This purpose is supported by a customer-centric strategy that includes the following:
Valuation FY2025 figures against the last close
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.27B | $1.16B | $1.05B | $886.2M | $729.6M | $822.8M | $847.2M | $812.2M | $748.0M | $730.5M |
| Cost of revenue | — | — | — | — | — | — | — | — | $266.5M | $258.3M |
| Gross profit | $746.1M | $682.3M | $609.8M | $528.1M | $449.5M | $449.2M | $494.4M | $481.6M | $435.5M | $428.2M |
| SG&A | $83.5M | $75.6M | $67.5M | $64.3M | $56.5M | $54.1M | $63.7M | $53.6M | $53.5M | $68.1M |
| Total operating expenses | $596.9M | $569.7M | $517.7M | $453.2M | $418.3M | $497.6M | $447.4M | $414.4M | $382.5M | $399.1M |
| Operating income | $149.2M | $112.5M | $92.2M | $74.9M | $31.2M | -$48.4M | $47.0M | $67.1M | $53.0M | $29.2M |
| Interest expense | $23.0M | $13.6M | $16.5M | $10.0M | $22.2M | $22.5M | $32.6M | $27.8M | $27.8M | $16.5M |
| Pre-tax income | $146.8M | $115.6M | $51.6M | $67.7M | $16.1M | -$70.1M | $4.2M | $55.5M | $42.7M | $363.0K |
| Income tax | $37.2M | $32.5M | $13.2M | $17.6M | $7.5M | $1.6M | $2.4M | $18.4M | $11.1M | $9.4M |
| Net income | $109.6M | $83.1M | $38.5M | $50.2M | $8.6M | -$68.5M | $2.5M | $37.3M | $31.4M | -$80.7M |
| EPS, basic | 1.91 | 1.51 | 0.69 | 0.89 | 0.15 | -1.24 | 0.05 | 0.68 | 0.58 | -1.49 |
| EPS, diluted | 1.42 | 1.10 | 0.53 | 0.70 | 0.15 | -1.24 | 0.05 | 0.64 | 0.58 | -1.49 |
| Shares, diluted (wtd. avg.) | $83.4M | $84.4M | $80.9M | $82.4M | $55.9M | $55.3M | $56.0M | $57.9M | $54.4M | $54.4M |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $469.5M | $170.5M | $220.6M | $214.4M | $263.6M | $312.6M | $162.4M | $285.6M | $163.9M | $72.5M |
| Receivables | — | — | $30.5M | $8.4M | $9.3M | $7.0M | $10.9M | $18.9M | $19.5M | — |
| Inventory | $248.5M | $191.9M | $166.5M | $151.6M | $111.0M | $95.9M | $179.4M | $167.0M | $154.4M | $140.2M |
| Total current assets | $1.13B | $729.0M | $719.7M | $644.2M | $610.9M | $593.2M | $605.8M | $749.4M | $581.0M | $482.1M |
| Property, plant and equipment | $75.3M | $66.0M | $68.1M | $56.7M | $53.8M | $57.0M | $67.4M | $73.6M | $58.0M | $58.5M |
| Goodwill | $324.9M | $306.5M | $302.4M | $286.8M | $285.8M | $257.6M | $300.5M | $299.2M | $290.2M | $254.0M |
| Other intangibles | $58.8M | $58.5M | $58.2M | $56.8M | $62.1M | $58.6M | $68.0M | $54.9M | $32.4M | $30.7M |
| Total assets | $1.95B | $1.49B | $1.47B | $1.35B | $1.27B | $1.20B | $1.08B | $1.24B | $1.02B | $983.2M |
| Accounts payable | $22.9M | $20.9M | $23.0M | $24.1M | $22.5M | $71.5M | $78.0M | $58.0M | $60.1M | $84.3M |
| Short-term debt | $0 | $103.1M | $34.3M | $0 | $0 | $213.0K | $214.0K | $190.2M | $0 | — |
| Total current liabilities | $200.6M | $269.4M | $192.0M | $152.9M | $155.1M | $132.5M | $91.1M | $260.0M | $72.6M | $95.0M |
| Long-term debt | $518.1M | $224.3M | $325.8M | $312.9M | $311.5M | $251.0M | $238.4M | $226.7M | $284.8M | $283.6M |
| Total liabilities | $925.7M | $688.7M | $721.9M | $655.6M | $594.7M | $547.9M | $338.8M | $502.4M | $364.4M | $389.0M |
| Retained earnings | $612.7M | $507.2M | $431.1M | $402.0M | $352.9M | $318.2M | $389.2M | $386.6M | $360.5M | $319.8M |
| Total equity | $1.03B | $804.6M | $745.8M | $692.2M | $672.2M | $649.1M | $744.9M | $739.4M | $656.4M | $591.1M |
Cash flow
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $149.0M | $113.6M | $101.8M | $66.5M | $46.4M | $49.1M | $103.5M | $89.0M | $50.7M | $68.1M |
| Depreciation and amortisation | $32.5M | $33.1M | $32.1M | $32.1M | $30.7M | $30.8M | $28.8M | $25.5M | $23.7M | $28.7M |
| Stock-based compensation | $12.5M | $10.4M | $9.5M | $5.1M | $3.9M | -$5.1M | $9.8M | $10.8M | $5.9M | $5.3M |
| Capital expenditure | $38.6M | $35.8M | $40.4M | $31.9M | $23.6M | $28.5M | $38.8M | $40.5M | $25.0M | $13.3M |
| Investing cash flow | -$117.9M | -$111.9M | -$110.9M | -$113.3M | -$84.6M | $109.9M | -$27.8M | -$134.2M | -$13.4M | $3.0M |
| Financing cash flow | $274.4M | -$50.2M | $23.7M | -$2.8M | -$16.3M | -$6.3M | -$198.3M | $167.6M | $53.4M | -$63.2M |
| Buybacks | $7.0M | $12.0M | $17.0M | $2.0M | $0 | $5.2M | $0 | $0 | $0 | $11.8M |
Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0000876523-25-000094.
Others in SIC 5900
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|---|---|---|---|---|
| FCFS | FirstCash Holdings, Inc. | $9.79B | 30.4x | 10.7% |
| SVV | Savers Value Village, Inc. | $1.61B | 74.6x | 9.2% |
| REAL | TheRealReal, Inc. | $1.20B | — | 15.4% |
| SPH | SUBURBAN PROPANE PARTNERS LP | $1.17B | 10.8x | 7.9% |
| WINA | WINMARK CORP | $1.14B | 28.2x | 5.9% |
| TMS | Teamshares Inc | $454.5M | — | — |
| PLBY | Playboy, Inc. | $140.2M | — | 4.1% |
| LIVE | LIVE VENTURES Inc | $27.0M | 1.8x | -5.9% |