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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.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 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 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 886.22 | 1,049.04 | 1,161.60 | 1,274.28 |
| Cost Of Revenue | - | 358.08 | 439.20 | 479.33 | 528.22 |
| Gross Profit | - | 528.15 | 609.84 | 682.27 | 746.06 |
| Operating Expense | - | 453.90 | 518.23 | 569.68 | 597.15 |
| Operating Income | - | 74.25 | 91.60 | 112.59 | 148.92 |
| EBITDA | - | 109.82 | 100.22 | 162.26 | 202.34 |
| EBIT | - | 77.68 | 68.09 | 129.19 | 169.80 |
| Pretax Income | - | 67.71 | 51.63 | 115.61 | 146.77 |
| Tax Provision | - | 17.55 | 13.17 | 32.51 | 37.16 |
| Net Income | - | 50.16 | 38.46 | 83.10 | 109.61 |
| Net Income Common Stockholders | - | 50.16 | 38.46 | 83.10 | 109.61 |
| Total Expenses | - | 811.98 | 957.44 | 1,049.01 | 1,125.36 |
| Interest Expense | - | 9.97 | 16.46 | 13.58 | 23.03 |
| Interest Income | - | 0.82 | 7.47 | 10.58 | 14.72 |
| Selling General And Administration | - | 64.34 | 67.53 | 75.56 | 83.50 |
| Normalized EBITDA | - | 109.15 | 104.77 | 163.09 | 203.35 |
| Normalized Income | - | 49.66 | 41.83 | 83.69 | 110.37 |
| Market Cap | 1,965.67 | 1,965.67 | 1,965.67 | 1,965.67 | 1,965.67 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| EZCORP, Inc.this co. | EZPW | $1.8B | 17.93↑ premium | 1.92 | 10.7% | 11.17 |
| LendingClub Corporation | LC | $1.9B | 11.03 | 1.27 | 9.0% | 3.75 |
| Federal Agricultural Mortgage Corporation | AGM | $1.9B | 10.38 | 1.55 | 12.1% | - |
| Triumph Financial, Inc. | TFIN | $1.8B | 63.42 | 1.79 | 2.8% | - |
| Fidelis Insurance Holdings Limited | FIHL | $1.8B |
| - |
| - |
| - |
| - |
| 9.90 |
| 0.84 |
| 9.4% |
| - |
| Northwest Bancshares, Inc. | NWBI | $1.8B | 15.41 | 1.03 | 6.7% | - |
| Walker & Dunlop, Inc. | WD | $1.8B | 31.36 | 1.02 | 3.2% | 11.37 |
| Live Oak Bancshares, Inc. | LOB | $1.7B | 14.44 | 1.51 | 8.4% | - |
| 1st Source Corporation | SRCE | $1.7B | 11.13 | 1.39 | - | - |
| Peer Median | - | 12.79 | 1.33 | 8.4% | 7.56 | |