EZCORP, Inc. (EZPW) 10-Year Financial Performance & Capital Metrics

EZPW • • Banking & Credit

Financial ServicesCredit ServicesDebt Collection and Collateral Lending

AboutEZCORP, Inc. provides pawn loans in the United States and Latin America. It offers pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. The company also sells merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. In addition, it offers Lana and EZ+ web-based engagement platforms to manage pawn loans. As of September 30, 2021, the company owned and operated 516 pawn stores in the United States; 508 pawn stores in Mexico; and 124 pawn stores in Guatemala, El Salvador, and Honduras. EZCORP, Inc. was founded in 1989 and is headquartered in Austin, Texas.Show more

Net Interest Income -$8M -176.0%
Total Revenue $1.27B +9.7%
Net Income $110M +31.9%
Return on Equity 11.98% +11.8%
Net Interest Margin -0.43% -111.2%
Efficiency Ratio 46.84% -4.5%
ROA 6.36% +13.4%
Equity / Assets 52.56% -2.5%
Book Value per Share 12.30 +29.1%
Tangible BV/Share 7.70 +47.8%
Debt/Equity 0.75 +5.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 46.8% efficiency ratio
✓Momentum leader: RS Rating 91 (top 9%)
✓Well capitalized: 52.6% equity/assets
✓Diversified revenue: 98.8% from non-interest income
✓Trading near 52-week high

✗Weaknesses

✗Weak NIM of -0.4%

Price & Volume

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Growth Metrics

Revenue CAGR

10Y5.87%

5Y9.14%

3Y12.87%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y29.77%

TTM43.51%

EPS CAGR

10Y-

5Y-

3Y26.59%

TTM3800%

ROCE

10Y Avg5.17%

5Y Avg7.17%

3Y Avg8.83%

Latest10.03%

Peer Comparison

Debt Collection and Collateral Lending

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FCFSFirstCash Holdings, Inc	8.48B	192.79	25.98	8.04%	9.02%	14.08%		0.11
EZPWEZCORP, Inc.	1.64B	26.53	18.68	9.7%	8.6%	11.48%	6.75%	0.75
JCAPJefferson Capital, Inc. Common Stock	1.2B	20.63	11.40	34.12%	24.3%	32.03%	13.47%	3.12
PRAAPRA Group, Inc.	615.56M	15.75	8.80	37.81%	6.28%	-34.88%		2.82
LMFALM Funding America, Inc.	5.78M	0.37	-0.14	77.73%	-66.51%	-15.31%		0.22

Profit & Loss

	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Net Interest Income+	-16.4M	-15.7M	-10.79M	-21.55M	-19.3M	-19.7M	-9.15M	-8.99M	-3.01M	-8.31M
NII Growth %	-1.79%	4.24%	31.25%	-99.68%	10.45%	-2.08%	53.53%	1.85%	66.5%	-176.01%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	81K	12.1M	17.04M	11.09M	3.17M	2.48M	817K	7.47M	10.57M	14.72M
Interest Expense	16.48M	27.8M	27.83M	32.64M	22.47M	22.18M	9.97M	16.46M	13.59M	23.03M
Loan Loss Provision	285.8M	284.64M	302.77M	320.14M	351.1M	257.89M	348.11M	422.75M	465.74M	505.19M
Non-Interest Income+	730.42M	735.85M	795.12M	836.14M	819.6M	727.07M	885.41M	1.04B	1.15B	1.26B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	730.5M	747.95M	812.16M	847.23M	822.78M	729.55M	886.23M	1.05B	1.16B	1.27B
Revenue Growth %	1.46%	2.39%	8.58%	4.32%	-2.89%	-11.33%	21.48%	18.37%	10.73%	9.7%
Non-Interest Expense	399.06M	382.47M	414.43M	447.44M	497.58M	418.32M	453.23M	517.69M	569.74M	596.9M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	29.17M	53.04M	67.12M	47.01M	-48.38M	31.17M	74.92M	92.15M	112.53M	149.17M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	286.97%	81.81%	26.56%	-29.97%	-202.93%	164.42%	140.37%	22.99%	22.12%	32.56%
Pretax Income+	363K	42.68M	55.54M	4.17M	-70.09M	16.06M	67.71M	51.63M	115.61M	146.77M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	9.36M	11.09M	18.39M	2.41M	-1.63M	7.45M	17.55M	13.17M	32.51M	37.16M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	-80.74M	31.41M	37.28M	2.54M	-68.46M	8.61M	50.16M	38.46M	83.09M	109.61M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	9.47%	138.9%	18.69%	-93.18%	-2794.33%	112.58%	482.44%	-23.32%	116.04%	31.91%
Net Income (Continuing)	-9M	31.59M	37.15M	1.77M	-68.46M	8.61M	50.16M	38.46M	83.09M	109.61M
EPS (Diluted)+	-1.48	0.62	0.67	0.03	-1.24	0.15	0.70	0.53	1.10	1.42
EPS Growth %	6.92%	141.89%	8.06%	-95.28%	-4024.05%	112.1%	366.67%	-24.29%	107.55%	29.09%
EPS (Basic)	-1.48	0.62	0.72	0.03	-1.24	0.15	0.89	0.77	1.69	1.91
Diluted Shares Outstanding	54.43M	54.37M	57.9M	55.98M	55.31M	55.95M	82.4M	80.86M	84.45M	83.38M

Balance Sheet

	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Cash & Short Term Investments+	65.74M	164.39M	285.31M	157.57M	304.54M	253.67M	206.03M	220.59M	170.51M	469.52M
Cash & Due from Banks	65.74M	164.39M	285.31M	157.57M	304.54M	253.67M	206.03M	220.59M	170.51M	469.52M
Short Term Investments	0	0	0	0	0	0	0	0	0	0
Total Investments+	37.13M	43.32M	49.5M	34.52M	32.46M	37.72M	61.95M	47.21M	13.33M	70.03M
Investments Growth %	-33.91%	16.67%	14.27%	-30.27%	-5.96%	16.22%	64.23%	-23.8%	-71.76%	425.37%
Long-Term Investments	37.13M	43.32M	49.5M	34.52M	32.46M	37.72M	61.95M	47.21M	13.33M	70.03M
Accounts Receivables	49.08M	51.06M	49.86M	42.69M	27.57M	38.66M	41.91M	51.68M	60.49M	63.84M
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	253.98M	254.76M	299.25M	300.53M	257.58M	285.76M	286.83M	302.37M	306.48M	324.89M
Intangible Assets	30.68M	32.42M	54.92M	68.04M	58.64M	62.1M	56.82M	58.22M	58.45M	58.83M
PP&E (Net)	58.45M	57.96M	73.65M	67.36M	240.79M	254.8M	278.13M	302.48M	292.57M	311.79M
Other Assets	85.56M	38.09M	7.09M	5.5M	5.37M	5.92M	7.84M	12.01M	68.04M	30.26M
Total Current Assets	482.14M	580.96M	749.38M	605.76M	593.25M	610.86M	644.16M	719.72M	729M	1.13B
Total Non-Current Assets	501.1M	443.41M	492.39M	477.94M	603.77M	656.05M	703.72M	747.99M	764.24M	825.25M
Total Assets+	983.24M	1.02B	1.24B	1.08B	1.2B	1.27B	1.35B	1.47B	1.49B	1.95B
Asset Growth %	-17.3%	4.18%	21.22%	-12.73%	10.46%	5.84%	6.39%	8.89%	1.74%	30.67%
Return on Assets (ROA)	-7.43%	3.13%	3.29%	0.22%	-6%	0.7%	3.84%	2.73%	5.61%	6.36%
Accounts Payable	21.95M	13.06M	10.5M	25.95M	19.11M	22.46M	24.06M	23.02M	20.85M	22.92M
Total Debt+	283.61M	284.81M	416.88M	238.59M	454.01M	477.78M	545.99M	610.48M	566.94M	764.04M
Net Debt	217.87M	120.41M	131.57M	81.03M	149.47M	224.11M	339.96M	389.89M	396.43M	294.52M
Long-Term Debt	283.61M	284.81M	226.7M	238.38M	251.02M	264.19M	312.9M	325.85M	224.26M	518.08M
Short-Term Debt	0	0	190.18M	214K	213K	0	0	34.27M	103.07M	61.23M
Other Liabilities	0	7.05M	6.89M	7.3M	10.85M	10.38M	8.75M	10.5M	12.34M	19.77M
Total Current Liabilities	94.98M	72.58M	259.96M	91.09M	132.47M	155.09M	152.87M	191.97M	269.38M	200.57M
Total Non-Current Liabilities	294.06M	291.86M	242.41M	247.67M	415.43M	439.58M	502.78M	529.97M	419.29M	725.15M
Total Liabilities	389.04M	364.44M	502.37M	338.75M	547.9M	594.67M	655.65M	721.94M	688.67M	925.72M
Total Equity+	594.21M	659.93M	739.41M	744.95M	649.13M	672.24M	692.23M	745.77M	804.57M	1.03B
Equity Growth %	-11.01%	11.06%	12.04%	0.75%	-12.86%	3.56%	2.97%	7.73%	7.88%	27.46%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	-12.8%	5.01%	5.33%	0.34%	-9.82%	1.3%	7.35%	5.35%	10.72%	11.98%
Book Value per Share	10.92	12.14	12.77	13.31	11.74	12.02	8.40	9.22	9.53	12.30
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	541K	544K	546K	556K	551K	560K	564K	549K	546K	609K
Additional Paid-in Capital	318.72M	348.53M	397.93M	407.63M	398.48M	403.31M	345.33M	346.18M	348.37M	450.89M
Retained Earnings	319.81M	351.67M	386.62M	389.16M	318.17M	326.78M	402.01M	431.14M	507.21M	612.69M
Accumulated OCI	-44.09M	-38.37M	-42.36M	-52.4M	-68.07M	-58.41M	-55.67M	-32.1M	-51.55M	-38.7M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Cash from Operations+	68.1M	50.67M	88.98M	103.52M	49.08M	46.44M	66.53M	101.83M	113.6M	148.99M
Operating CF Growth %	-14.22%	-25.61%	75.62%	16.34%	-52.59%	-5.38%	43.28%	53.05%	11.55%	31.15%
Net Income	-88.43M	29.76M	36.29M	1.31M	-68.46M	8.61M	50.16M	38.46M	83.09M	109.61M
Depreciation & Amortization	28.65M	23.66M	25.48M	28.8M	76.48M	79.15M	32.14M	89.07M	33.07M	32.54M
Deferred Taxes	2.67M	6.1M	7.92M	1.62M	-8.39M	3.28M	4.95M	-12.8M	1.35M	-3.08M
Other Non-Cash Items	116.25M	8.16M	17.23M	44.52M	71.13M	1.81M	55.48M	35.62M	56.99M	54.63M
Working Capital Changes	3.61M	-22.88M	-8.73M	17.52M	-16.57M	-50.36M	-81.24M	-58.05M	-71.32M	-57.18M
Cash from Investing+	3.02M	-13.4M	-134.21M	-27.83M	109.9M	-84.61M	-113.28M	-110.89M	-111.85M	-117.86M
Purchase of Investments	0	0	0	0	0	0	-16.5M	-15M	-15.68M	0
Sale/Maturity of Investments	0	0	0	0	0	0	0	0	0	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	29.28M	-2.25M	-107.2M	-8.12M	0	-19.02M	-8.78M	-17.01M	-13.24M	-21.48M
Other Investing	-16.71M	7.7M	13.47M	19.13M	138.42M	-41.99M	-56.11M	-38.43M	-47.16M	-57.82M
Cash from Financing+	-63.16M	53.35M	167.59M	-198.32M	-6.25M	-16.25M	-2.83M	23.69M	-50.18M	274.42M
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-11.75M	0	0	0	-5.16M	0	-2.04M	-16.99M	-12.01M	-7M
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	1000K	1000K	-1000K	714K	-1000K	0	1000K	-1000K	1000K
Other Financing	-3.42M	-767K	-311K	-3.29M	-1.81M	-839K	-792K	-10.56M	-3.29M	-11.56M
Net Change in Cash+	6.61M	91.34M	121.71M	-123.14M	150.11M	-48.93M	-49.26M	14.6M	-49.16M	304.91M
Exchange Rate Effect	-1000K	724K	-654K	-507K	-1000K	1000K	325K	-41K	-725K	-637K
Cash at Beginning	59.12M	72.53M	163.87M	285.58M	162.44M	312.55M	263.62M	214.37M	228.97M	179.81M
Cash at End	65.74M	163.87M	285.58M	162.44M	312.55M	263.62M	214.37M	228.97M	179.81M	484.71M
Interest Paid	18.72M	9.07M	8.41M	12.9M	8.49M	8.23M	8.23M	11.14M	12.07M	11.08M
Income Taxes Paid	2.96M	8.87M	13.68M	11.13M	9.75M	3.7M	15.9M	11.41M	25.74M	39.46M
Free Cash Flow+	54.85M	25.66M	48.51M	64.68M	20.55M	22.84M	34.64M	61.39M	77.84M	110.42M
FCF Growth %	-1.48%	-53.21%	89%	33.34%	-68.22%	11.12%	51.68%	77.22%	26.79%	41.87%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	-12.8%	5.01%	5.33%	0.34%	-9.82%	1.3%	7.35%	5.35%	10.72%	11.98%
Return on Assets (ROA)	-7.43%	3.13%	3.29%	0.22%	-6%	0.7%	3.84%	2.73%	5.61%	6.36%
Net Interest Margin	-1.67%	-1.53%	-0.87%	-1.99%	-1.61%	-1.55%	-0.68%	-0.61%	-0.2%	-0.43%
Efficiency Ratio	54.63%	51.14%	51.03%	52.81%	60.48%	57.34%	51.14%	49.35%	49.05%	46.84%
Equity / Assets	60.43%	64.42%	59.54%	68.74%	54.23%	53.06%	51.36%	50.81%	53.88%	52.56%
Book Value / Share	10.92	12.14	12.77	13.31	11.74	12.02	8.4	9.22	9.53	12.3
NII Growth	-1.79%	4.24%	31.25%	-99.68%	10.45%	-2.08%	53.53%	1.85%	66.5%	-176.01%

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EZCORP, Inc. (EZPW) 10-Year Financial Performance & Capital Metrics

EZPW • • Banking & Credit

Financial ServicesCredit ServicesDebt Collection and Collateral Lending

Net Interest Income -$8M -176.0%
Total Revenue $1.27B +9.7%
Net Income $110M +31.9%
Return on Equity 11.98% +11.8%
Net Interest Margin -0.43% -111.2%
Efficiency Ratio 46.84% -4.5%
ROA 6.36% +13.4%
Equity / Assets 52.56% -2.5%
Book Value per Share 12.30 +29.1%
Tangible BV/Share 7.70 +47.8%
Debt/Equity 0.75 +5.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 46.8% efficiency ratio
✓Momentum leader: RS Rating 91 (top 9%)
✓Well capitalized: 52.6% equity/assets
✓Diversified revenue: 98.8% from non-interest income
✓Trading near 52-week high

✗Weaknesses

✗Weak NIM of -0.4%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y5.87%

5Y9.14%

3Y12.87%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y29.77%

TTM43.51%

EPS CAGR

10Y-

5Y-

3Y26.59%

TTM3800%

ROCE

10Y Avg5.17%

5Y Avg7.17%

3Y Avg8.83%

Latest10.03%

Peer Comparison

Debt Collection and Collateral Lending

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FCFSFirstCash Holdings, Inc	8.48B	192.79	25.98	8.04%	9.02%	14.08%		0.11
EZPWEZCORP, Inc.	1.64B	26.53	18.68	9.7%	8.6%	11.48%	6.75%	0.75
JCAPJefferson Capital, Inc. Common Stock	1.2B	20.63	11.40	34.12%	24.3%	32.03%	13.47%	3.12
PRAAPRA Group, Inc.	615.56M	15.75	8.80	37.81%	6.28%	-34.88%		2.82
LMFALM Funding America, Inc.	5.78M	0.37	-0.14	77.73%	-66.51%	-15.31%		0.22

Profit & Loss

	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Net Interest Income+	-16.4M	-15.7M	-10.79M	-21.55M	-19.3M	-19.7M	-9.15M	-8.99M	-3.01M	-8.31M
NII Growth %	-1.79%	4.24%	31.25%	-99.68%	10.45%	-2.08%	53.53%	1.85%	66.5%	-176.01%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	81K	12.1M	17.04M	11.09M	3.17M	2.48M	817K	7.47M	10.57M	14.72M
Interest Expense	16.48M	27.8M	27.83M	32.64M	22.47M	22.18M	9.97M	16.46M	13.59M	23.03M
Loan Loss Provision	285.8M	284.64M	302.77M	320.14M	351.1M	257.89M	348.11M	422.75M	465.74M	505.19M
Non-Interest Income+	730.42M	735.85M	795.12M	836.14M	819.6M	727.07M	885.41M	1.04B	1.15B	1.26B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	730.5M	747.95M	812.16M	847.23M	822.78M	729.55M	886.23M	1.05B	1.16B	1.27B
Revenue Growth %	1.46%	2.39%	8.58%	4.32%	-2.89%	-11.33%	21.48%	18.37%	10.73%	9.7%
Non-Interest Expense	399.06M	382.47M	414.43M	447.44M	497.58M	418.32M	453.23M	517.69M	569.74M	596.9M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	29.17M	53.04M	67.12M	47.01M	-48.38M	31.17M	74.92M	92.15M	112.53M	149.17M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	286.97%	81.81%	26.56%	-29.97%	-202.93%	164.42%	140.37%	22.99%	22.12%	32.56%
Pretax Income+	363K	42.68M	55.54M	4.17M	-70.09M	16.06M	67.71M	51.63M	115.61M	146.77M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	9.36M	11.09M	18.39M	2.41M	-1.63M	7.45M	17.55M	13.17M	32.51M	37.16M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	-80.74M	31.41M	37.28M	2.54M	-68.46M	8.61M	50.16M	38.46M	83.09M	109.61M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	9.47%	138.9%	18.69%	-93.18%	-2794.33%	112.58%	482.44%	-23.32%	116.04%	31.91%
Net Income (Continuing)	-9M	31.59M	37.15M	1.77M	-68.46M	8.61M	50.16M	38.46M	83.09M	109.61M
EPS (Diluted)+	-1.48	0.62	0.67	0.03	-1.24	0.15	0.70	0.53	1.10	1.42
EPS Growth %	6.92%	141.89%	8.06%	-95.28%	-4024.05%	112.1%	366.67%	-24.29%	107.55%	29.09%
EPS (Basic)	-1.48	0.62	0.72	0.03	-1.24	0.15	0.89	0.77	1.69	1.91
Diluted Shares Outstanding	54.43M	54.37M	57.9M	55.98M	55.31M	55.95M	82.4M	80.86M	84.45M	83.38M

Balance Sheet

	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Cash & Short Term Investments+	65.74M	164.39M	285.31M	157.57M	304.54M	253.67M	206.03M	220.59M	170.51M	469.52M
Cash & Due from Banks	65.74M	164.39M	285.31M	157.57M	304.54M	253.67M	206.03M	220.59M	170.51M	469.52M
Short Term Investments	0	0	0	0	0	0	0	0	0	0
Total Investments+	37.13M	43.32M	49.5M	34.52M	32.46M	37.72M	61.95M	47.21M	13.33M	70.03M
Investments Growth %	-33.91%	16.67%	14.27%	-30.27%	-5.96%	16.22%	64.23%	-23.8%	-71.76%	425.37%
Long-Term Investments	37.13M	43.32M	49.5M	34.52M	32.46M	37.72M	61.95M	47.21M	13.33M	70.03M
Accounts Receivables	49.08M	51.06M	49.86M	42.69M	27.57M	38.66M	41.91M	51.68M	60.49M	63.84M
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	253.98M	254.76M	299.25M	300.53M	257.58M	285.76M	286.83M	302.37M	306.48M	324.89M
Intangible Assets	30.68M	32.42M	54.92M	68.04M	58.64M	62.1M	56.82M	58.22M	58.45M	58.83M
PP&E (Net)	58.45M	57.96M	73.65M	67.36M	240.79M	254.8M	278.13M	302.48M	292.57M	311.79M
Other Assets	85.56M	38.09M	7.09M	5.5M	5.37M	5.92M	7.84M	12.01M	68.04M	30.26M
Total Current Assets	482.14M	580.96M	749.38M	605.76M	593.25M	610.86M	644.16M	719.72M	729M	1.13B
Total Non-Current Assets	501.1M	443.41M	492.39M	477.94M	603.77M	656.05M	703.72M	747.99M	764.24M	825.25M
Total Assets+	983.24M	1.02B	1.24B	1.08B	1.2B	1.27B	1.35B	1.47B	1.49B	1.95B
Asset Growth %	-17.3%	4.18%	21.22%	-12.73%	10.46%	5.84%	6.39%	8.89%	1.74%	30.67%
Return on Assets (ROA)	-7.43%	3.13%	3.29%	0.22%	-6%	0.7%	3.84%	2.73%	5.61%	6.36%
Accounts Payable	21.95M	13.06M	10.5M	25.95M	19.11M	22.46M	24.06M	23.02M	20.85M	22.92M
Total Debt+	283.61M	284.81M	416.88M	238.59M	454.01M	477.78M	545.99M	610.48M	566.94M	764.04M
Net Debt	217.87M	120.41M	131.57M	81.03M	149.47M	224.11M	339.96M	389.89M	396.43M	294.52M
Long-Term Debt	283.61M	284.81M	226.7M	238.38M	251.02M	264.19M	312.9M	325.85M	224.26M	518.08M
Short-Term Debt	0	0	190.18M	214K	213K	0	0	34.27M	103.07M	61.23M
Other Liabilities	0	7.05M	6.89M	7.3M	10.85M	10.38M	8.75M	10.5M	12.34M	19.77M
Total Current Liabilities	94.98M	72.58M	259.96M	91.09M	132.47M	155.09M	152.87M	191.97M	269.38M	200.57M
Total Non-Current Liabilities	294.06M	291.86M	242.41M	247.67M	415.43M	439.58M	502.78M	529.97M	419.29M	725.15M
Total Liabilities	389.04M	364.44M	502.37M	338.75M	547.9M	594.67M	655.65M	721.94M	688.67M	925.72M
Total Equity+	594.21M	659.93M	739.41M	744.95M	649.13M	672.24M	692.23M	745.77M	804.57M	1.03B
Equity Growth %	-11.01%	11.06%	12.04%	0.75%	-12.86%	3.56%	2.97%	7.73%	7.88%	27.46%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	-12.8%	5.01%	5.33%	0.34%	-9.82%	1.3%	7.35%	5.35%	10.72%	11.98%
Book Value per Share	10.92	12.14	12.77	13.31	11.74	12.02	8.40	9.22	9.53	12.30
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	541K	544K	546K	556K	551K	560K	564K	549K	546K	609K
Additional Paid-in Capital	318.72M	348.53M	397.93M	407.63M	398.48M	403.31M	345.33M	346.18M	348.37M	450.89M
Retained Earnings	319.81M	351.67M	386.62M	389.16M	318.17M	326.78M	402.01M	431.14M	507.21M	612.69M
Accumulated OCI	-44.09M	-38.37M	-42.36M	-52.4M	-68.07M	-58.41M	-55.67M	-32.1M	-51.55M	-38.7M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Cash from Operations+	68.1M	50.67M	88.98M	103.52M	49.08M	46.44M	66.53M	101.83M	113.6M	148.99M
Operating CF Growth %	-14.22%	-25.61%	75.62%	16.34%	-52.59%	-5.38%	43.28%	53.05%	11.55%	31.15%
Net Income	-88.43M	29.76M	36.29M	1.31M	-68.46M	8.61M	50.16M	38.46M	83.09M	109.61M
Depreciation & Amortization	28.65M	23.66M	25.48M	28.8M	76.48M	79.15M	32.14M	89.07M	33.07M	32.54M
Deferred Taxes	2.67M	6.1M	7.92M	1.62M	-8.39M	3.28M	4.95M	-12.8M	1.35M	-3.08M
Other Non-Cash Items	116.25M	8.16M	17.23M	44.52M	71.13M	1.81M	55.48M	35.62M	56.99M	54.63M
Working Capital Changes	3.61M	-22.88M	-8.73M	17.52M	-16.57M	-50.36M	-81.24M	-58.05M	-71.32M	-57.18M
Cash from Investing+	3.02M	-13.4M	-134.21M	-27.83M	109.9M	-84.61M	-113.28M	-110.89M	-111.85M	-117.86M
Purchase of Investments	0	0	0	0	0	0	-16.5M	-15M	-15.68M	0
Sale/Maturity of Investments	0	0	0	0	0	0	0	0	0	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	29.28M	-2.25M	-107.2M	-8.12M	0	-19.02M	-8.78M	-17.01M	-13.24M	-21.48M
Other Investing	-16.71M	7.7M	13.47M	19.13M	138.42M	-41.99M	-56.11M	-38.43M	-47.16M	-57.82M
Cash from Financing+	-63.16M	53.35M	167.59M	-198.32M	-6.25M	-16.25M	-2.83M	23.69M	-50.18M	274.42M
Dividends Paid	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-11.75M	0	0	0	-5.16M	0	-2.04M	-16.99M	-12.01M	-7M
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	1000K	1000K	-1000K	714K	-1000K	0	1000K	-1000K	1000K
Other Financing	-3.42M	-767K	-311K	-3.29M	-1.81M	-839K	-792K	-10.56M	-3.29M	-11.56M
Net Change in Cash+	6.61M	91.34M	121.71M	-123.14M	150.11M	-48.93M	-49.26M	14.6M	-49.16M	304.91M
Exchange Rate Effect	-1000K	724K	-654K	-507K	-1000K	1000K	325K	-41K	-725K	-637K
Cash at Beginning	59.12M	72.53M	163.87M	285.58M	162.44M	312.55M	263.62M	214.37M	228.97M	179.81M
Cash at End	65.74M	163.87M	285.58M	162.44M	312.55M	263.62M	214.37M	228.97M	179.81M	484.71M
Interest Paid	18.72M	9.07M	8.41M	12.9M	8.49M	8.23M	8.23M	11.14M	12.07M	11.08M
Income Taxes Paid	2.96M	8.87M	13.68M	11.13M	9.75M	3.7M	15.9M	11.41M	25.74M	39.46M
Free Cash Flow+	54.85M	25.66M	48.51M	64.68M	20.55M	22.84M	34.64M	61.39M	77.84M	110.42M
FCF Growth %	-1.48%	-53.21%	89%	33.34%	-68.22%	11.12%	51.68%	77.22%	26.79%	41.87%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	-12.8%	5.01%	5.33%	0.34%	-9.82%	1.3%	7.35%	5.35%	10.72%	11.98%
Return on Assets (ROA)	-7.43%	3.13%	3.29%	0.22%	-6%	0.7%	3.84%	2.73%	5.61%	6.36%
Net Interest Margin	-1.67%	-1.53%	-0.87%	-1.99%	-1.61%	-1.55%	-0.68%	-0.61%	-0.2%	-0.43%
Efficiency Ratio	54.63%	51.14%	51.03%	52.81%	60.48%	57.34%	51.14%	49.35%	49.05%	46.84%
Equity / Assets	60.43%	64.42%	59.54%	68.74%	54.23%	53.06%	51.36%	50.81%	53.88%	52.56%
Book Value / Share	10.92	12.14	12.77	13.31	11.74	12.02	8.4	9.22	9.53	12.3
NII Growth	-1.79%	4.24%	31.25%	-99.68%	10.45%	-2.08%	53.53%	1.85%	66.5%	-176.01%

EZCORP, Inc. (EZPW) 10-Year Financial Performance & Capital Metrics

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EZCORP, Inc. (EZPW) 10-Year Financial Performance & Capital Metrics

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✓Strengths

✗Weaknesses

Price & Volume

Growth Metrics

Revenue CAGR

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Peer Comparison

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