Ezcorp Inc Financials
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Ezcorp Inc has an operating margin of 11.7%, meaning the company retains $12 of operating profit per $100 of revenue. This results in a moderate score of 59/100, indicating healthy but not exceptional operating efficiency. This is up from 9.7% the prior year.
Ezcorp Inc's revenue grew 9.7% year-over-year to $1.3B, a solid pace of expansion. This earns a growth score of 56/100.
Ezcorp Inc carries a low D/E ratio of 0.51, meaning only $0.51 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 92/100, indicating a strong balance sheet with room for future borrowing.
With a current ratio of 5.61, Ezcorp Inc holds $5.61 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 100/100.
Ezcorp Inc has a free cash flow margin of 8.7%, earning a moderate score of 43/100. The company generates positive cash flow after capital investments, but with room for improvement.
Ezcorp Inc's ROE of 10.7% shows moderate profitability relative to equity, earning a score of 43/100. This is up from 10.3% the prior year.
Ezcorp Inc scores 2.89, placing it in the grey zone between 1.81 and 2.99. This signals moderate financial risk that warrants monitoring.
Ezcorp Inc passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Ezcorp Inc generates $1.36 in operating cash flow ($149.0M OCF vs $109.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Ezcorp Inc earns $6.5 in operating income for every $1 of interest expense ($149.2M vs $23.0M). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.
This page shows Ezcorp Inc (EZPW) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Key Financial Metrics
Ezcorp Inc generated $1.3B in revenue in fiscal year 2025. This represents an increase of 9.7% from the prior year.
Ezcorp Inc's EBITDA was $181.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 24.8% from the prior year.
Ezcorp Inc generated $110.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 41.9% from the prior year.
Ezcorp Inc reported $109.6M in net income in fiscal year 2025. This represents an increase of 31.9% from the prior year.
Ezcorp Inc earned $1.42 per diluted share (EPS) in fiscal year 2025. This represents an increase of 29.1% from the prior year.
Ezcorp Inc held $469.5M in cash against $518.1M in long-term debt as of fiscal year 2025.
Ezcorp Inc's gross margin was 58.6% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 0.2 percentage points from the prior year.
Ezcorp Inc's operating margin was 11.7% in fiscal year 2025, reflecting core business profitability. This is up 2.0 percentage points from the prior year.
Ezcorp Inc's net profit margin was 8.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.4 percentage points from the prior year.
Ezcorp Inc's ROE was 10.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the prior year.
Ezcorp Inc spent $7.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 41.7% from the prior year.
Ezcorp Inc invested $38.6M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 7.8% from the prior year.
EZPW Income Statement
| Metric | Q1'25 | Q3'25 | Q2'25 | Q1'24 | Q3'24 | Q2'24 | Q1'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $382.0M+22.8% | $311.0M+1.5% | $306.3M-4.3% | $320.2M+13.8% | $281.4M-1.5% | $285.6M-4.8% | $300.0M+17.3% | $255.8M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | $223.0M+21.4% | $183.6M+2.9% | $178.5M-3.7% | $185.4M+11.2% | $166.7M-0.5% | $167.6M-2.9% | $172.6M+16.0% | $148.8M |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $26.7M+22.8% | $21.8M+10.9% | $19.6M-18.8% | $24.2M+20.6% | $20.1M+9.8% | $18.3M+10.4% | $16.5M-7.5% | $17.9M |
| Operating Income | $60.6M+68.4% | $36.0M+5.1% | $34.2M-18.3% | $41.9M+89.3% | $22.2M-18.8% | $27.3M-26.4% | $37.1M+79.9% | $20.6M |
| Interest Expense | $8.2M-3.5% | $8.5M+157.8% | $3.3M+4.3% | $3.1M-11.1% | $3.5M+4.0% | $3.4M-1.1% | $3.4M+0.8% | $3.4M |
| Income Tax | $14.9M+81.1% | $8.2M-9.0% | $9.0M-13.0% | $10.4M+105.3% | $5.0M-29.6% | $7.2M-22.3% | $9.2M+199.1% | $3.1M |
| Net Income | $44.3M+67.2% | $26.5M+4.4% | $25.4M-18.1% | $31.0M+72.8% | $17.9M-16.4% | $21.5M-24.6% | $28.5M+56.2% | $18.2M |
| EPS (Diluted) | $0.55+61.8% | $0.34+3.0% | $0.33-17.5% | $0.40+60.0% | $0.25-13.8% | $0.29-19.4% | $0.36+50.0% | $0.24 |
EZPW Balance Sheet
| Metric | Q1'25 | Q3'25 | Q2'25 | Q1'24 | Q3'24 | Q2'24 | Q1'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.0B+5.5% | $1.9B+2.9% | $1.8B+22.0% | $1.5B+0.4% | $1.5B-1.0% | $1.5B+1.8% | $1.5B+0.9% | $1.5B |
| Current Assets | $1.1B+5.3% | $1.1B+1.9% | $1.1B+44.2% | $740.0M+1.5% | $729.0M+0.9% | $722.3M+0.4% | $719.2M-0.1% | $719.7M |
| Cash & Equivalents | $465.9M-1.3% | $472.1M-6.6% | $505.2M+189.5% | $174.5M+2.3% | $170.5M-25.6% | $229.1M+4.8% | $218.5M-0.9% | $220.6M |
| Inventory | $253.4M+12.4% | $225.5M+8.5% | $207.8M+4.2% | $199.5M+3.9% | $191.9M+17.4% | $163.4M-0.9% | $164.9M-0.9% | $166.5M |
| Accounts Receivable | N/A | N/A | N/A | N/A | $30.8M-8.9% | $33.8M-0.5% | $34.0M+11.4% | $30.5M |
| Goodwill | $331.1M+2.9% | $321.9M+5.5% | $305.2M+0.2% | $304.7M-0.6% | $306.5M-1.3% | $310.7M+2.3% | $303.8M+0.5% | $302.4M |
| Total Liabilities | $916.8M+2.7% | $893.0M-8.7% | $978.1M+44.8% | $675.2M-1.9% | $688.7M-2.7% | $707.7M+0.2% | $706.3M-2.2% | $721.9M |
| Current Liabilities | $190.0M+10.3% | $172.3M-34.8% | $264.0M+4.0% | $254.0M-5.7% | $269.4M+55.5% | $173.2M-3.8% | $180.0M-6.2% | $192.0M |
| Long-Term Debt | $518.6M+0.2% | $517.6M+0.1% | $517.2M+130.4% | $224.5M+0.1% | $224.3M-31.3% | $326.6M+0.1% | $326.2M+0.1% | $325.8M |
| Total Equity | $1.1B+8.1% | $990.1M+16.3% | $851.6M+3.4% | $823.9M+2.4% | $804.6M+0.5% | $800.4M+3.3% | $774.9M+3.9% | $745.8M |
| Retained Earnings | $657.0M+12.0% | $586.5M+4.5% | $561.2M+4.6% | $536.4M+5.8% | $507.2M+6.2% | $477.7M+4.3% | $457.9M+6.2% | $431.1M |
EZPW Cash Flow Statement
| Metric | Q1'25 | Q3'25 | Q2'25 | Q1'24 | Q3'24 | Q2'24 | Q1'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $39.1M+12.5% | $34.8M-5.8% | $36.9M+42.1% | $26.0M-40.0% | $43.3M+187.6% | $15.1M-29.9% | $21.5M-22.0% | $27.5M |
| Capital Expenditures | $7.5M-17.9% | $9.1M+8.7% | $8.4M+49.0% | $5.6M-70.3% | $18.9M+192.0% | $6.5M-9.9% | $7.2M-43.4% | $12.7M |
| Free Cash Flow | $31.7M+23.2% | $25.7M-10.0% | $28.6M+40.2% | $20.4M-16.6% | $24.4M+184.3% | $8.6M-39.9% | $14.3M-3.6% | $14.8M |
| Investing Cash Flow | -$31.0M+39.6% | -$51.3M-6817.5% | -$741K+94.7% | -$14.0M+73.3% | -$52.6M-3718.5% | -$1.4M+91.8% | -$16.9M+58.2% | -$40.3M |
| Financing Cash Flow | -$6.5M+39.9% | -$10.8M-103.7% | $293.6M+4233.5% | -$7.1M+81.1% | -$37.5M-1092.7% | -$3.1M+50.8% | -$6.4M-94.9% | -$3.3M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | $0-100.0% | $2.0M+100.6% | $997K-66.8% | $3.0M0.0% | $3.0M-0.1% | $3.0M-0.1% | $3.0M0.0% | $3.0M |
EZPW Financial Ratios
| Metric | Q1'25 | Q3'25 | Q2'25 | Q1'24 | Q3'24 | Q2'24 | Q1'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 58.4%-0.7pp | 59.1%+0.8pp | 58.3%+0.4pp | 57.9%-1.3pp | 59.2%+0.6pp | 58.7%+1.1pp | 57.5%-0.6pp | 58.2% |
| Operating Margin | 15.9%+4.3pp | 11.6%+0.4pp | 11.2%-1.9pp | 13.1%+5.2pp | 7.9%-1.7pp | 9.6%-2.8pp | 12.4%+4.3pp | 8.1% |
| Net Margin | 11.6%+3.1pp | 8.5%+0.2pp | 8.3%-1.4pp | 9.7%+3.3pp | 6.4%-1.1pp | 7.5%-2.0pp | 9.5%+2.4pp | 7.1% |
| Return on Equity | 4.1%+1.5pp | 2.7%-0.3pp | 3.0%-0.8pp | 3.8%+1.5pp | 2.2%-0.4pp | 2.7%-1.0pp | 3.7%+1.2pp | 2.5% |
| Return on Assets | 2.2%+0.8pp | 1.4%+0.0pp | 1.4%-0.7pp | 2.1%+0.9pp | 1.2%-0.2pp | 1.4%-0.5pp | 1.9%+0.7pp | 1.3% |
| Current Ratio | 6.03-0.3 | 6.31+2.3 | 4.04+1.1 | 2.91+0.2 | 2.71-1.5 | 4.17+0.2 | 4.00+0.2 | 3.75 |
| Debt-to-Equity | 0.48-0.0 | 0.52-0.1 | 0.61+0.3 | 0.270.0 | 0.28-0.1 | 0.41-0.0 | 0.42-0.0 | 0.44 |
| FCF Margin | 8.3%+0.0pp | 8.3%-1.1pp | 9.3%+3.0pp | 6.4%-4.5pp | 10.8%+7.8pp | 3.0%-1.8pp | 4.8%-2.3pp | 7.1% |
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Frequently Asked Questions
What is Ezcorp Inc's annual revenue?
Ezcorp Inc (EZPW) reported $1.3B in total revenue for fiscal year 2025. This represents a 9.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Ezcorp Inc's revenue growing?
Ezcorp Inc (EZPW) revenue grew by 9.7% year-over-year, from $1.2B to $1.3B in fiscal year 2025.
Is Ezcorp Inc profitable?
Yes, Ezcorp Inc (EZPW) reported a net income of $109.6M in fiscal year 2025, with a net profit margin of 8.6%.
What is Ezcorp Inc's earnings per share (EPS)?
Ezcorp Inc (EZPW) reported diluted earnings per share of $1.42 for fiscal year 2025. This represents a 29.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Ezcorp Inc's EBITDA?
Ezcorp Inc (EZPW) had EBITDA of $181.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Ezcorp Inc have?
As of fiscal year 2025, Ezcorp Inc (EZPW) had $469.5M in cash and equivalents against $518.1M in long-term debt.
What is Ezcorp Inc's gross margin?
Ezcorp Inc (EZPW) had a gross margin of 58.6% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Ezcorp Inc's operating margin?
Ezcorp Inc (EZPW) had an operating margin of 11.7% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Ezcorp Inc's net profit margin?
Ezcorp Inc (EZPW) had a net profit margin of 8.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Ezcorp Inc's return on equity (ROE)?
Ezcorp Inc (EZPW) has a return on equity of 10.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Ezcorp Inc's free cash flow?
Ezcorp Inc (EZPW) generated $110.4M in free cash flow during fiscal year 2025. This represents a 41.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Ezcorp Inc's operating cash flow?
Ezcorp Inc (EZPW) generated $149.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Ezcorp Inc's total assets?
Ezcorp Inc (EZPW) had $2.0B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Ezcorp Inc's capital expenditures?
Ezcorp Inc (EZPW) invested $38.6M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Does Ezcorp Inc buy back shares?
Yes, Ezcorp Inc (EZPW) spent $7.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
What is Ezcorp Inc's current ratio?
Ezcorp Inc (EZPW) had a current ratio of 5.61 as of fiscal year 2025, which is generally considered healthy.
What is Ezcorp Inc's debt-to-equity ratio?
Ezcorp Inc (EZPW) had a debt-to-equity ratio of 0.51 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Ezcorp Inc's return on assets (ROA)?
Ezcorp Inc (EZPW) had a return on assets of 5.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Ezcorp Inc's Altman Z-Score?
Ezcorp Inc (EZPW) has an Altman Z-Score of 2.89, placing it in the Grey Zone (moderate risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is Ezcorp Inc's Piotroski F-Score?
Ezcorp Inc (EZPW) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Ezcorp Inc's earnings high quality?
Ezcorp Inc (EZPW) has an earnings quality ratio of 1.36x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Ezcorp Inc cover its interest payments?
Ezcorp Inc (EZPW) has an interest coverage ratio of 6.5x, meaning it can comfortably cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Ezcorp Inc?
Ezcorp Inc (EZPW) scores 66 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.