EZCORP INC EZPW

Consumer discretionary SIC 5900 - Retail-Miscellaneous Retail NAICS Retail Trade derived Nasdaq

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:

Last close 28.70 2026-10-23
Market cap $1.77B estimated share count
52-week range 16.50 - 37.12

Valuation FY2025 figures against the last close

P/S1.4x
P/E20.2x
P/FCF16.0x
EV/EBITDA10.0x
Dividend yield—
Diluted EPS1.42

Where the revenue comes from as reported in the latest 10-K

Revenue by geography

  • United States
  • Mexico
  • Other Latin America
  • Other
Revenue by geography, 4 categories over 3 years. The same figures are in the table below. FY2025 United States, FY2025: 912.5M (71.6%) 72% United States Mexico, FY2025: 267.3M (21.0%) 21% Mexico Other Latin America, FY2025: 94.5M (7.4%) 7% Other, FY2025: 0 (0.0%) FY2024 United States, FY2024: 836.1M (72.0%) 72% Mexico, FY2024: 247.6M (21.3%) 21% Other Latin America, FY2024: 77.9M (6.7%) 7% Other, FY2024: 35K (0.0%) FY2023 United States, FY2023: 761.9M (72.6%) 73% Mexico, FY2023: 223.8M (21.3%) 21% Other Latin America, FY2023: 63.3M (6.0%) 6% Other, FY2023: 55K (0.0%)
Region FY2025FY2024FY2023
United States $912.5M $836.1M $761.9M
Mexico $267.3M $247.6M $223.8M
Other Latin America $94.5M $77.9M $63.3M
Other $0 $35.0K $55.0K

As the company reported it, from the “Segment Information - Schedule of Revenues and Long-Lived Assets by Geographic Information (Details)” note of its latest 10-K. Every figure here has been checked against the total revenue the same filing reported. Regions are the filer's own and are not mapped onto a standard list — one company's “Americas” and another's “United States” are different areas, and making them look comparable would mean making at least one of them wrong. Slices under 1% are folded into “Other”.

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
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 1.911.510.690.890.15-1.240.050.680.58-1.49
EPS, diluted 1.421.100.530.700.15-1.240.050.640.58-1.49
Shares, diluted (wtd. avg.) 83.4M84.4M80.9M82.4M55.9M55.3M56.0M57.9M54.4M54.4M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
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 FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
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.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. -500M 0 500M 1B 1.5B Revenue, FY2016: 730.5M Gross profit, FY2016: 428.2M Net income, FY2016: -80.7M Revenue, FY2017: 748M Gross profit, FY2017: 435.5M Net income, FY2017: 31.4M Revenue, FY2018: 812.2M Gross profit, FY2018: 481.6M Net income, FY2018: 37.3M Revenue, FY2019: 847.2M Gross profit, FY2019: 494.4M Net income, FY2019: 2.5M Revenue, FY2020: 822.8M Gross profit, FY2020: 449.2M Net income, FY2020: -68.5M Revenue, FY2021: 729.6M Gross profit, FY2021: 449.5M Net income, FY2021: 8.6M Revenue, FY2022: 886.2M Gross profit, FY2022: 528.1M Net income, FY2022: 50.2M Revenue, FY2023: 1B Gross profit, FY2023: 609.8M Net income, FY2023: 38.5M Revenue, FY2024: 1.2B Gross profit, FY2024: 682.3M Net income, FY2024: 83.1M Revenue, FY2025: 1.3B Gross profit, FY2025: 746.1M Net income, FY2025: 109.6M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $730.5M $748.0M $812.2M $847.2M $822.8M $729.6M $886.2M $1.05B $1.16B $1.27B
Gross profit $428.2M $435.5M $481.6M $494.4M $449.2M $449.5M $528.1M $609.8M $682.3M $746.1M
Net income -$80.7M $31.4M $37.3M $2.5M -$68.5M $8.6M $50.2M $38.5M $83.1M $109.6M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Regulation FD disclosure Item 7.01
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Regulation FD disclosure Item 7.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

Others in SIC 5900

TickerCompanyMarket capP/ERevenue growth
FCFS FirstCash Holdings, Inc. $7.49B 23.3x 10.7%
SVV Savers Value Village, Inc. $1.44B 66.9x 9.2%
REAL TheRealReal, Inc. $1.32B — 15.4%
SPH SUBURBAN PROPANE PARTNERS LP $1.18B 10.9x 7.9%
WINA WINMARK CORP $1.00B 24.8x 5.9%
TMS Teamshares Inc $389.7M — —
PLBY Playboy, Inc. $130.6M — 4.1%
LIVE LIVE VENTURES Inc $23.1M 1.5x -5.9%