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EZCORP, Inc. provides pawn services in the United States, Mexixo, and Latin America. It operates through U.S. Pawn, Latin America Pawn, and Other Investments segments. The company retails merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. It also provides pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. In addition, the company offers EZ+, a web-based application that allow customers to manage their pawn transactions, layaways, and loyalty rewards online. Further, the company operates under the EZPAWN, Value Pawn & Jewelry, Empeño Fácil, Cash Apoyo Efectivo, GuatePrenda, and MaxiEfectivo brands. EZCORP, Inc. was incorporated in 1989 and is headquartered in Austin, Texas.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 5 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $1.3B | $202M | $110M | $110M | 10.7% | 9.7% | 31.9% |
| 2024 | $1.2B | $162M | $83M | $78M | 10.3% | 10.7% | 116.0% |
| 2023 | $1.0B | $100M | $38M | $61M | 5.2% | 18.4% | -23.3% |
| 2022 | $886M | $110M | $50M | $35M | 7.2% | - | - |
| 2021 | - | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2025 |
|---|---|
| Total Revenue | 1,274.28 |
| Operating Revenue | 1,274.11 |
| Cost Of Revenue | 528.22 |
| Gross Profit | 746.06 |
| Operating Expense | 597.15 |
| Selling General And Administration | 83.50 |
| Total Expenses | 1,125.36 |
| Operating Income | 148.92 |
| Total Operating Income As Reported | 149.17 |
| EBITDA | 202.34 |
| Normalized EBITDA | 203.35 |
| EBIT | 169.80 |
| Interest Income | 14.72 |
| Interest Expense | 23.03 |
| Net Interest Income | -8.31 |
| Other Non Operating Income Expenses | 1.02 |
| Other Income Expense | 6.16 |
| Interest Income Non Operating | 14.72 |
| Interest Expense Non Operating | 23.03 |
| Net Non Operating Interest Income Expense | -8.31 |
| Pretax Income | 146.77 |
| Tax Provision | 37.16 |
| Tax Rate For Calcs | 0 |
| Tax Effect Of Unusual Items | -0.25 |
| Net Income Continuous Operations | 109.61 |
| Net Income From Continuing And Discontinued Operation | 109.61 |
| Net Income From Continuing Operation Net Minority Interest | 109.61 |
| Net Income | 109.61 |
| Net Income Common Stockholders | 109.61 |
| Net Income Including Noncontrolling Interests | 109.61 |
| Normalized Income | 110.37 |
| Diluted NI Availto Com Stockholders | 118.40 |
| Basic Average Shares | 57.47 |
| Diluted Average Shares | 83.38 |
| Reconciled Depreciation | 32.54 |
| Reconciled Cost Of Revenue | 528.22 |
| Total Unusual Items | -1.01 |
| Total Unusual Items Excluding Goodwill | -1.01 |
| Minority Interests | - |
| Net Income Discontinuous Operations | - |
| Special Income Charges | -1.01 |
| Write Off | 0.88 |
| Impairment Of Capital Assets | - |
| Depreciation Amortization Depletion Income Statement | 32.54 |
| Depreciation And Amortization In Income Statement | 32.54 |
| General And Administrative Expense | 83.50 |
| Other Gand A | 83.50 |
| Gain On Sale Of Ppe | -0.14 |
| Other Operating Expenses | 481.11 |
| Earnings From Equity Interest | 6.15 |
| Average Dilution Earnings | 8.79 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| EZCORP, Inc.this co. | EZPW | $2.0B | 18.05↑ premium | 1.93 | 10.7% | 11.23 |
| Banco Latinoamericano de Comercio Exterior, S. A. | BLX | $2.1B | 9.17 | 1.24 | 13.5% | - |
| Northwest Bancshares, Inc. | NWBI | $2.1B | 16.45 | 1.10 | 6.7% | - |
| LendingClub Corporation | LC | $2.0B | 14.94 | 1.35 | 9.0% | - |
| Federal Agricultural Mortgage Corporation | AGM |
| - |
| - |
| - |
| - |
| $2.0B |
| 9.53 |
| 1.63 |
| 17.1% |
| - |
| OFG Bancorp | OFG | $1.9B | 9.47 | 1.40 | 14.8% | - |
| First Commonwealth Financial Corporation | FCF | $1.9B | 12.65 | 1.24 | 9.8% | - |
| Stellar Bancorp, Inc. | STEL | $1.9B | 18.53 | 1.14 | 6.2% | - |
| The Baldwin Insurance Group, Inc. | BWIN | $1.9B | -55.47 | 3.13 | -5.6% | 16.99 |
| Peer Median | - | 11.09 | 1.30 | 9.4% | 16.99 | |