EZCORP INC (EZPW) financial statements: income statement, balance sheet and cash flow
EZCORP INC's income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Sep 30, 2025 · FY), EZCORP INC reported revenue of $1.3B (+9.7% year on year) and net income of $109.6M (+31.9% year on year).
Income statement
EZCORP INC income statement, fiscal years
Line item
Sep 30, 2025 · FY
Sep 30, 2024 · FY
Sep 30, 2023 · FY
Sep 30, 2022 · FY
Total revenues
$1.3B
$1.2B
$1.0B
$886.2M
Cost of goods sold
$528.2M
$479.3M
$439.2M
$358.1M
Gross profit
$746.1M
$682.3M
$609.8M
$528.1M
Store expenses
$481.1M
$461.1M
$418.6M
$357.4M
General and administrative
$83.5M
$75.6M
$67.5M
$64.3M
Impairment of other assets
$877.0K
$843.0K
$4.3M
$0
Depreciation and amortization
$32.5M
$33.1M
$32.1M
$32.1M
Loss (gain) on sale or disposal of assets and other
$135.0K
($16.0K)
$208.0K
—
Other operating income
($1.3M)
($765.0K)
($5.1M)
—
Total operating expenses
$596.9M
$569.7M
$517.7M
$453.2M
Operating income
$149.2M
$112.5M
$92.2M
$74.9M
Interest expense
$23.0M
$13.6M
$16.5M
$10.0M
Interest income
($14.7M)
($10.6M)
($7.5M)
($817.0K)
Equity in net (income) loss of unconsolidated affiliates
($6.2M)
($4.7M)
$28.5M
($1.8M)
Other (income) expense
$238.0K
($1.4M)
$3.1M
($167.0K)
Income before income taxes
$146.8M
$115.6M
$51.6M
$67.7M
Income tax expense
$37.2M
$32.5M
$13.2M
$17.6M
Net income
$109.6M
$83.1M
$38.5M
$50.2M
Basic earnings per share (in dollars per share)
$1.91
$1.51
$0.69
$0.89
Diluted earnings per share (in dollars per share)
$1.42
$1.10
$0.53
$0.70
Weighted-average basic shares outstanding (in shares)
57.5M
54.9M
55.6M
56.5M
Weighted-average diluted shares outstanding (in shares)
83.4M
84.4M
80.9M
82.4M
EZCORP INC income statement, quarters
Line item
Jun 30, 2026 · Q3
Mar 31, 2026 · Q2
Dec 31, 2025 · Q1
Jun 30, 2025 · Q3
Total revenues
$418.7M
$446.9M
$382.0M
$311.0M
Cost of revenues
$172.6M
$186.8M
$159.1M
$127.3M
Gross profit
$246.2M
$260.0M
$223.0M
$183.6M
Store expenses
$147.7M
$148.1M
$126.8M
$119.1M
General and administrative
$34.0M
$34.5M
$26.7M
$21.8M
Depreciation and amortization
$9.7M
$9.6M
$8.8M
$8.0M
Loss on sale or disposal of assets and other
$25.0K
$0
$87.0K
$0
Other operating income
$0
—
—
($1.3M)
Total operating expenses
$191.4M
$192.2M
$162.4M
$147.6M
Operating income
$54.8M
$67.8M
$60.6M
$36.0M
Interest expense
$8.4M
$8.4M
$8.2M
$8.5M
Interest income
($2.8M)
($2.6M)
($4.8M)
($5.4M)
Equity in net income of unconsolidated affiliates
($1.9M)
($1.2M)
($1.8M)
($1.2M)
Other (income) expense
($861.0K)
($2.2M)
($92.0K)
($536.0K)
Income before income taxes
$52.0M
$65.5M
$59.2M
$34.7M
Income tax expense
$13.5M
$15.9M
$14.9M
$8.2M
Consolidated net income
$38.5M
$49.6M
—
—
Consolidated net (income) attributable to non-controlling interest
($295.0K)
($481.0K)
—
—
Consolidated net income attributable to EZCORP
$38.2M
$49.1M
$44.3M
$26.5M
Basic earnings per share attributable to EZCORP (in dollars per share)
$0.62
$0.80
$0.72
$0.45
Diluted earnings per share attributable to EZCORP (in dollars per share)
$0.48
$0.61
$0.55
$0.34
Weighted-average basic shares outstanding (in shares)
61.5M
61.7M
61.2M
59.1M
Weighted-average diluted shares outstanding (in shares)
83.4M
83.4M
83.3M
82.9M
Balance sheet
EZCORP INC balance sheet, fiscal years
Line item
Sep 30, 2025 · FY
Sep 30, 2024 · FY
Sep 30, 2023 · FY
Sep 30, 2022 · FY
Cash and cash equivalents
$469.5M
$170.5M
$220.6M
$206.0M
Short-term restricted cash
$525.0K
$9.3M
$8.4M
$8.3M
Pawn loans
$307.5M
$274.1M
$245.8M
$210.0M
Pawn service charges receivable, net
$48.7M
$44.0M
$38.9M
$33.5M
Inventory, net
$248.5M
$191.9M
$166.5M
$151.6M
Prepaid expenses and other current assets
$51.2M
$39.2M
$39.6M
$34.7M
Total current assets
$1.1B
$729.0M
$719.7M
$644.2M
Investments in unconsolidated affiliates
$18.1M
$13.3M
$11.0M
$37.7M
Other investments
$51.9M
$51.9M
$36.2M
$24.2M
Property and equipment, net
$75.3M
$66.0M
$68.1M
$56.7M
Right-of-use assets, net
$236.5M
$226.6M
$234.4M
$221.6M
Long-term restricted cash
$14.7M
—
—
—
Goodwill
$324.9M
$306.5M
$302.4M
$286.8M
Intangible assets, net
$58.8M
$58.5M
$58.2M
$56.8M
Deferred tax asset, net
$29.5M
$25.4M
$25.7M
$12.1M
Other assets, net
$15.6M
$16.1M
$12.0M
$6.4M
Total assets
$2.0B
$1.5B
$1.5B
$1.3B
Current maturities of long-term debt, net
$0
$103.1M
$34.3M
—
Accounts payable, accrued expenses and other current liabilities
$105.4M
$85.7M
$81.6M
$84.5M
Customer layaway deposits
$33.9M
$21.6M
$18.9M
$16.0M
Operating lease liabilities, current
$61.2M
$59.0M
$57.2M
$52.3M
Total current liabilities
$200.6M
$269.4M
$192.0M
$152.9M
Long-term debt, net
$518.1M
$224.3M
$325.8M
$312.9M
Deferred tax liability, net
$2.6M
$2.1M
$435.0K
$373.0K
Operating lease liabilities
$184.7M
$180.6M
$193.2M
$180.8M
Other long-term liabilities
$19.8M
$12.3M
$10.5M
$8.7M
Total liabilities
$925.7M
$688.7M
$721.9M
$655.6M
Common Stock
$609.0K
$546.0K
$549.0K
$564.0K
Additional paid-in capital
$450.9M
$348.4M
$346.2M
$345.3M
Retained earnings
$612.7M
$507.2M
$431.1M
$402.0M
Accumulated other comprehensive loss
($38.7M)
($51.5M)
($32.1M)
($55.7M)
Total equity
$1.0B
$804.6M
$745.8M
$692.2M
Total liabilities and equity
$2.0B
$1.5B
$1.5B
$1.3B
EZCORP INC balance sheet, quarters
Line item
Jun 30, 2026
Mar 31, 2026
Dec 31, 2025
Jun 30, 2025
Cash and cash equivalents
$311.0M
$354.2M
$465.9M
$472.1M
Short-term restricted cash
$1.8M
$958.0K
$5.4M
$9.6M
Pawn loans
$387.2M
$349.4M
$314.4M
$291.6M
Pawn service charges receivable, net
$57.5M
$53.0M
$50.1M
$45.4M
Inventory, net
$316.3M
$276.0M
$253.4M
$225.5M
Prepaid expenses and other current assets
$42.8M
$58.6M
$56.2M
$43.4M
Total current assets
$1.1B
$1.1B
$1.1B
$1.1B
Investments in unconsolidated affiliates
$26.5M
$26.1M
$25.7M
$13.8M
Other investments
$6.9M
$6.9M
$51.9M
$51.9M
Property and equipment, net
$89.0M
$86.9M
$74.9M
$67.4M
Right-of-use assets
$281.2M
$269.7M
$237.6M
$236.1M
Long-term restricted cash
$13.9M
$14.9M
$14.9M
$5.4M
Goodwill
$475.4M
$473.5M
$331.1M
$321.9M
Intangible assets, net
$124.7M
$124.7M
$59.6M
$58.0M
Deferred tax asset, net
$13.8M
$13.5M
$29.5M
$25.8M
Other assets, net
$18.3M
$18.5M
$16.9M
$15.2M
Total assets
$2.2B
$2.1B
$2.0B
$1.9B
Accounts payable, accrued expenses and other current liabilities
$119.8M
$124.2M
$95.5M
$78.8M
Customer layaway deposits
$42.5M
$39.5M
$33.1M
$33.3M
Operating lease liabilities, current
$69.8M
$68.0M
$61.5M
$60.2M
Total current liabilities
$232.1M
$231.7M
$190.0M
$172.3M
Long-term debt, net
$519.5M
$519.0M
$518.6M
$517.6M
Deferred tax liability, net
$2.7M
$2.6M
$2.6M
$2.0M
Operating lease liabilities
$221.5M
$212.0M
$185.5M
$184.3M
Other long-term liabilities
$22.8M
$19.6M
$20.1M
$16.8M
Total liabilities
$998.5M
$984.8M
$916.8M
$893.0M
Common stock
$615.0K
$616.0K
$617.0K
$610.0K
Additional paid-in capital
$453.6M
$451.5M
$447.9M
$448.1M
Retained earnings
$739.4M
$703.7M
$657.0M
$586.5M
Accumulated other comprehensive loss
($29.0M)
($35.8M)
($34.8M)
($45.2M)
Total EZCORP equity
$1.2B
$1.1B
—
—
Non-controlling interest
$3.1M
$21.9M
—
—
Total equity
$1.2B
$1.1B
$1.1B
$990.1M
Total liabilities and equity
$2.2B
$2.1B
$2.0B
$1.9B
Cash flow statement
EZCORP INC cash flow statement, fiscal years
Line item
Sep 30, 2025 · FY
Sep 30, 2024 · FY
Sep 30, 2023 · FY
Sep 30, 2022 · FY
Net income
$109.6M
$83.1M
$38.5M
$50.2M
Depreciation and amortization
$32.5M
$33.1M
$32.1M
$32.1M
Amortization of debt discount and deferred financing costs
$1.7M
$1.6M
$1.6M
$1.4M
Non-cash lease expense
$59.3M
$58.4M
$56.9M
—
Deferred income taxes
($3.1M)
$1.4M
($12.8M)
$4.9M
Impairment of other assets
$877.0K
$843.0K
$4.3M
$0
Other adjustments
($1.9M)
$789.0K
($2.9M)
$2.5M
Provision for inventory reserve
$858.0K
$73.0K
$603.0K
($2.3M)
Stock compensation expense
$12.5M
$10.4M
$9.5M
$5.1M
Equity in net (income) loss from investment in unconsolidated affiliates
($6.2M)
($4.7M)
$28.5M
($1.8M)
Net loss on extinguishment of debt
$0
$0
$3.5M
—
Service charges and fees receivable
($3.8M)
($5.2M)
($4.2M)
($4.6M)
Inventory
($18.2M)
($8.5M)
($4.8M)
($15.3M)
Prepaid expenses, other current assets and other assets
($5.7M)
($8.6M)
($1.8M)
$3.2M
Accounts payable, accrued expenses and other liabilities
($41.4M)
($57.2M)
($61.5M)
($65.1M)
Customer layaway deposits
$11.7M
$3.0M
$1.4M
$3.4M
Income taxes
$258.0K
$5.2M
$12.9M
($2.8M)
Net cash provided by operating activities
$149.0M
$113.6M
$101.8M
$66.5M
Loans made
($1.0B)
($937.0M)
($821.7M)
($740.1M)
Loans repaid
$557.8M
$522.5M
$458.9M
$410.5M
Recovery of pawn loan principal through sale of forfeited collateral
$393.2M
$363.4M
$336.3M
$274.4M
Capital expenditures, net
($38.6M)
($35.8M)
($40.4M)
($31.9M)
Acquisitions, net of cash acquired
($20.7M)
($12.1M)
($14.9M)
($1.9M)
Issuance of note receivable
($5.9M)
—
($15.5M)
($1.0M)
Investment in unconsolidated affiliate
($786.0K)
($1.1M)
($2.1M)
($6.9M)
Investment in other investments
$0
($15.7M)
($15.0M)
($16.5M)
Dividends from unconsolidated affiliates
$3.6M
$0
$0
$3.4M
Net cash used in investing activities
($117.9M)
($111.9M)
($110.9M)
($113.3M)
Taxes paid related to net share settlement of equity awards
($4.0M)
($3.3M)
($1.1M)
($792.0K)
Proceeds from borrowings
$300.0M
$0
$230.0M
$0
Debt issuance cost
($7.6M)
$0
($7.5M)
—
Cash paid on extinguishment of debt
$0
$0
($2.0M)
—
Payments on debt
($6.4M)
—
—
—
Purchase and retirement of treasury stock
($7.0M)
($12.0M)
($17.0M)
($2.0M)
Payments of finance leases
($606.0K)
($492.0K)
($275.0K)
—
Net cash (used in) provided by financing activities
$274.4M
($50.2M)
$23.7M
($2.8M)
Effect of exchange rate changes on cash and cash equivalents and restricted cash
($637.0K)
($725.0K)
($41.0K)
$325.0K
Net (decrease) increase in cash and cash equivalents and restricted cash
$304.9M
($49.2M)
$14.6M
($49.3M)
Cash and cash equivalents and restricted cash at beginning of period
$179.8M
$229.0M
$214.4M
$263.6M
Cash and cash equivalents and restricted cash at end of period
$484.7M
$179.8M
$229.0M
$214.4M
EZCORP INC cash flow statement, quarters
Line item
Jun 30, 2026 · YTD
Mar 31, 2026 · YTD
Dec 31, 2025 · Q1
Jun 30, 2025 · YTD
Net income
$132.4M
$93.9M
$44.3M
$82.9M
Depreciation and amortization
$28.0M
$18.3M
$8.8M
$24.4M
Amortization of deferred financing costs
$1.4M
$925.0K
$479.0K
$1.2M
Non-cash lease expense
$51.3M
$33.3M
$15.7M
$43.9M
Deferred income taxes
$1.0K
($259.0K)
$93.0K
($542.0K)
Other adjustments
($873.0K)
($897.0K)
($874.0K)
($1.9M)
Provision for inventory reserve
($680.0K)
($849.0K)
$429.0K
$39.0K
Stock compensation expense
$12.6M
$8.5M
$3.4M
$9.2M
Equity in net income from investment in unconsolidated affiliates
($4.9M)
($3.0M)
($1.8M)
($4.2M)
Gain from remeasurement of previously held equity interest
($1.6M)
($1.6M)
—
—
Pawn service charges receivable
($2.7M)
$1.5M
($1.0M)
($364.0K)
Inventory
($15.5M)
($298.0K)
($1.8M)
($9.2M)
Prepaid expenses, other current assets and other assets
$1.1M
($19.1M)
($1.4M)
($74.0K)
Accounts payable, accrued expenses and other liabilities
($70.8M)
($47.4M)
($39.4M)
($58.0M)
Customer layaway deposits
$6.3M
$3.5M
($1.1M)
$11.3M
Income taxes
($5.7M)
$1.0M
$13.3M
($927.0K)
Net cash provided by operating activities
$130.4M
$87.6M
$39.1M
$97.7M
Loans made
($948.3M)
($591.1M)
($272.7M)
($738.7M)
Loans repaid
$535.6M
$351.5M
$152.2M
$417.7M
Recovery of pawn loan principal through sale of forfeited collateral
$358.7M
$240.0M
$115.5M
$291.9M
Capital expenditures
($27.8M)
($17.9M)
($7.5M)
($23.1M)
Acquisitions, net of cash acquired
($31.1M)
($25.6M)
($9.1M)
($17.1M)
Issuance of notes receivable
($9.0M)
($9.0M)
($4.0M)
—
Proceeds of notes receivable
$0
—
—
$241.0K
Investment in unconsolidated affiliate
($7.4M)
($7.2M)
($7.2M)
($718.0K)
Dividends from unconsolidated affiliates
$3.9M
$1.8M
$1.8M
$3.6M
Net cash used in investing activities
($125.5M)
($57.6M)
($31.0M)
($66.0M)
Taxes paid related to net share settlement of equity awards
($6.3M)
($6.3M)
($6.3M)
($4.0M)
Proceeds from issuance of debt
$0
$0
—
$300.0M
Debt issuance cost
$0
$0
—
($7.6M)
Payments on debt
($134.2M)
($134.2M)
—
($6.4M)
Purchase and retirement of treasury stock
($8.0M)
($4.0M)
$0
($6.0M)
Payment of contingent consideration
($550.0K)
—
—
—
Acquisition of non-controlling interest
($14.3M)
—
—
—
Payments of finance leases
($761.0K)
($543.0K)
($174.0K)
($450.0K)
Net cash (used in) provided by financing activities
($164.2M)
($145.0M)
($6.5M)
$275.6M
Effect of exchange rate changes on cash and cash equivalents and restricted cash
$1.2M
$379.0K
($260.0K)
($26.0K)
Net (decrease) increase in cash, cash equivalents and restricted cash
($158.0M)
($114.7M)
$1.4M
$307.3M
Cash and cash equivalents and restricted cash at beginning of period
$484.7M
$484.7M
$484.7M
$179.8M
Cash and cash equivalents and restricted cash at end of period