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EZCORP INC

EZPW Clue Score66
United States Fiscal year ends September CIK 0000876523
$32.64 +2.13% Close, 12 Oct 2026
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Price $32.64 +289.03% Close, 12 Oct 2026

Closing prices at the end of each trading day, from 13 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2017Revenue748.0Operating income53.0Net income31.4EPS, diluted0.58Fiscal year 2018Revenue812.2 +8.6%Operating income67.1Net income37.3 +18.7%EPS, diluted0.64 +10.3%Fiscal year 2019Revenue847.2 +4.3%Operating income47.0Net income2.5 −93.2%EPS, diluted0.05 −92.2%Fiscal year 2020Revenue822.8 −2.9%Operating income−48.4Net income−68.5 −2,794.3%EPS, diluted−1.24 −2,580.0%Fiscal year 2021Revenue729.6 −11.3%Operating income31.2Net income8.6EPS, diluted0.15Fiscal year 2022Revenue886.2 +21.5%Operating income74.9Net income50.2 +482.4%EPS, diluted0.70 +366.7%Fiscal year 2023Revenue1,049.0 +18.4%Operating income92.2Net income38.5 −23.3%EPS, diluted0.53 −24.3%Fiscal year 2024Revenue1,161.6 +10.7%Operating income112.5Net income83.1 +116.0%EPS, diluted1.10 +107.5%Fiscal year 2025Revenue1,274.3 +9.7%Operating income149.2Net income109.6 +31.9%EPS, diluted1.42 +29.1%
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 748.0 812.2 847.2 822.8 729.6 886.2 1,049.0 1,161.6 1,274.3
Growth +8.6% +4.3% −2.9% −11.3% +21.5% +18.4% +10.7% +9.7%
Operating income 53.0 67.1 47.0 −48.4 31.2 74.9 92.2 112.5 149.2
Net income 31.4 37.3 2.5 −68.5 8.6 50.2 38.5 83.1 109.6
Growth +18.7% −93.2% −2,794.3% +482.4% −23.3% +116.0% +31.9%
EPS, diluted 0.58 0.64 0.05 −1.24 0.15 0.70 0.53 1.10 1.42
Growth +10.3% −92.2% −2,580.0% +366.7% −24.3% +107.5% +29.1%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Gross marginOperating marginNet margin
Fiscal year 2017Gross margin58.2%Operating margin7.1%Net margin4.2%Free cash flow margin3.4%Fiscal year 2018Gross margin59.3%Operating margin8.3%Net margin4.6%Free cash flow margin6.0%Fiscal year 2019Gross margin58.4%Operating margin5.5%Net margin0.3%Free cash flow margin7.6%Fiscal year 2020Gross margin54.6%Operating margin−5.9%Net margin−8.3%Free cash flow margin2.5%Fiscal year 2021Gross margin61.6%Operating margin4.3%Net margin1.2%Free cash flow margin3.1%Fiscal year 2022Gross margin59.6%Operating margin8.5%Net margin5.7%Free cash flow margin3.9%Fiscal year 2023Gross margin58.1%Operating margin8.8%Net margin3.7%Free cash flow margin5.9%Fiscal year 2024Gross margin58.7%Operating margin9.7%Net margin7.2%Free cash flow margin6.7%Fiscal year 2025Gross margin58.5%Operating margin11.7%Net margin8.6%Free cash flow margin8.7%
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Gross margin 58.2% 59.3% 58.4% 54.6% 61.6% 59.6% 58.1% 58.7% 58.5%
Operating margin 7.1% 8.3% 5.5% −5.9% 4.3% 8.5% 8.8% 9.7% 11.7%
Net margin 4.2% 4.6% 0.3% −8.3% 1.2% 5.7% 3.7% 7.2% 8.6%
Free cash flow margin 3.4% 6.0% 7.6% 2.5% 3.1% 3.9% 5.9% 6.7% 8.7%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2017Operating cash flow50.7Capital expenditure−25.0Free cash flow25.7Buybacks0.0Fiscal year 2018Operating cash flow89.0Capital expenditure−40.5Free cash flow48.5 +89.0%Buybacks0.0Fiscal year 2019Operating cash flow103.5Capital expenditure−38.8Free cash flow64.7 +33.3%Buybacks0.0Fiscal year 2020Operating cash flow49.1Capital expenditure−28.5Free cash flow20.6 −68.2%Buybacks−5.2Fiscal year 2021Operating cash flow46.4Capital expenditure−23.6Free cash flow22.8 +11.1%Buybacks0.0Fiscal year 2022Operating cash flow66.5Capital expenditure−31.9Free cash flow34.6 +51.7%Buybacks−2.0Fiscal year 2023Operating cash flow101.8Capital expenditure−40.4Free cash flow61.4 +77.2%Buybacks−17.0Fiscal year 2024Operating cash flow113.6Capital expenditure−35.8Free cash flow77.8 +26.8%Buybacks−12.0Fiscal year 2025Operating cash flow149.0Capital expenditure−38.6Free cash flow110.4 +41.9%Buybacks−7.0
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 50.7 89.0 103.5 49.1 46.4 66.5 101.8 113.6 149.0
Capital expenditure −25.0 −40.5 −38.8 −28.5 −23.6 −31.9 −40.4 −35.8 −38.6
Free cash flow 25.7 48.5 64.7 20.6 22.8 34.6 61.4 77.8 110.4
Growth +89.0% +33.3% −68.2% +11.1% +51.7% +77.2% +26.8% +41.9%
Buybacks 0.0 0.0 0.0 −5.2 0.0 −2.0 −17.0 −12.0 −7.0

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2017Cash164.4Total debt284.8Net cash (debt)−120.4Shareholders’ equity662.4Debt to equity0.43Fiscal year 2018Cash285.3Total debt416.9Net cash (debt)−131.6Shareholders’ equity742.7Debt to equity0.56Fiscal year 2019Cash157.6Total debt238.6Net cash (debt)−81.0Shareholders’ equity744.9Debt to equity0.32Fiscal year 2020Cash304.5Total debt251.2Net cash (debt)53.3Shareholders’ equity649.1Debt to equity0.39Fiscal year 2021Cash253.7Total debt264.2Net cash (debt)−10.5Shareholders’ equity672.2Debt to equity0.39Fiscal year 2022Cash206.0Total debt312.9Net cash (debt)−106.9Shareholders’ equity692.2Debt to equity0.45Fiscal year 2023Cash220.6Total debt360.1Net cash (debt)−139.5Shareholders’ equity745.8Debt to equity0.48Fiscal year 2024Cash170.5Total debt327.3Net cash (debt)−156.8Shareholders’ equity804.6Debt to equity0.41Fiscal year 2025Cash469.5Total debt518.1Net cash (debt)−48.6Shareholders’ equity1,025.5Debt to equity0.51
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 164.4 285.3 157.6 304.5 253.7 206.0 220.6 170.5 469.5
Total debt 284.8 416.9 238.6 251.2 264.2 312.9 360.1 327.3 518.1
Net cash (debt) −120.4 −131.6 −81.0 53.3 −10.5 −106.9 −139.5 −156.8 −48.6
Shareholders’ equity 662.4 742.7 744.9 649.1 672.2 692.2 745.8 804.6 1,025.5
Debt to equity 0.43 0.56 0.32 0.39 0.39 0.45 0.48 0.41 0.51

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In millions of USD, except per-share figures; shares in millions. Fiscal years ending September, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2017 30 Sep 2017 FY2018 30 Sep 2018 FY2019 30 Sep 2019 FY2020 30 Sep 2020 FY2021 30 Sep 2021 FY2022 30 Sep 2022 FY2023 30 Sep 2023 FY2024 30 Sep 2024 FY2025 30 Sep 2025
Revenue and profit
748.0 812.2 847.2 822.8 729.6 886.2 1,049.0 1,161.6 1,274.3
Growth +8.6% +4.3% −2.9% −11.3% +21.5% +18.4% +10.7% +9.7%
435.5 481.6 494.4 449.2 449.5 528.1 609.8 682.3 746.1
Growth +10.6% +2.7% −9.2% +0.1% +17.5% +15.5% +11.9% +9.3%
53.5 53.6 63.7 54.1 56.5 64.3 67.5 75.6 83.5
53.0 67.1 47.0 −48.4 31.2 74.9 92.2 112.5 149.2
Growth +26.6% −30.0% −202.9% +140.4% +23.0% +22.1% +32.6%
42.7 55.5 4.2 −70.1 16.1 67.7 51.6 115.6 146.8
11.1 18.4 2.4 −1.6 7.5 17.6 13.2 32.5 37.2
31.4 37.3 2.5 −68.5 8.6 50.2 38.5 83.1 109.6
Growth +18.7% −93.2% −2,794.3% +482.4% −23.3% +116.0% +31.9%
Per share
0.58 0.68 0.05 −1.24 0.15 0.89 0.69 1.51 1.91
0.58 0.64 0.05 −1.24 0.15 0.70 0.53 1.10 1.42
Growth +10.3% −92.2% −2,580.0% +366.7% −24.3% +107.5% +29.1%
54.3 54.5 55.3 55.3 55.7 56.5 55.6 54.9 57.5
54.4 57.9 56.0 55.3 55.9 82.4 80.9 84.4 83.4
Growth +6.5% −3.3% −1.2% +1.1% +47.3% −1.9% +4.4% −1.3%

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue grew 9.1% a year over five years.
  • The diluted share count rose 50.7% in five years, which is dilution.
  • Operating margin is up 17.6 points on five years ago, at 11.7%.
  • A net loss in 1 of 9 years on file.