EZPW - NASDAQ

EZCORP, Inc.

EZPW·NASDAQ

$31.84

+2.8%

Financial ServicesFinancial - Credit Services

EZCORP, 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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$1.86B

EPS1.9100

P/E Ratio16.67

Earnings Date07/29/2026

1.95B

Assets

31%

3Y+45.0%

5Y+63.0%

10Y+98.0%

925.72M

Total Liabilities

34%

3Y+41.0%

5Y+69.0%

10Y+138.0%

1.03B

Total Equity

27%

3Y+48.0%

5Y+58.0%

10Y+73.0%

EZCORP, Inc. Funding & Solvency Profile

EZPW · NASDAQ

Current Assets

Cash & Cash Equivalents469.52M

Net Receivables398.02M

Inventory248.46M

Other Current Assets9.95M

Total Current Assets1 B

Non-Current Assets

Property, Plant & Equipment311.79M

Goodwill & Intangible Assets383.72M

Long-Term Investments70.03M

Other Non-Current Assets30.26M

Total Non-Current Assets412 M

Total Assets

1.95B

Financial Health Analysis

Current Ratio

5.61x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

0.90x

Balanced capital structure with moderate leverage. Equity exceeds debt, suggesting healthy financial stability.

Working Capital

925 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

58% Current

Balanced asset mix between current and non-current assets, typical of many stable businesses.

Financial Health Insight

Strong financial foundation: Excellent liquidity combined with conservative leverage suggests the company is well-positioned to weather economic uncertainties and fund growth opportunities.

EZCORP, Inc. Balance Sheet

EZPW • NASDAQ

EZCORP, Inc. Balance Sheet	Sep 2025	Sep 2024	Sep 2023	Sep 2022	Sep 2021	Sep 2020	Sep 2019	Sep 2018	Sep 2017	Sep 2016	Sep 2015	Sep 2014	Sep 2013	Sep 2012	Sep 2011	Sep 2010	Sep 2009	Sep 2008	Sep 2007	Sep 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	469.5M	170.5M	220.6M	206M	253.7M	304.5M	157.6M	286M	164.4M	65.7M	59.1M	56.3M	36.3M	52.8M	24M	25.9M	44.8M	27.4M	22.5M	29.9M
Cash & Short-Term Investments	469.5M	170.5M	220.6M	206M	253.7M	304.5M	157.6M	286M	164.4M	65.7M	59.1M	56.3M	36.3M	52.8M	24M	25.9M	44.8M	27.4M	22.5M	29.9M
Net Receivables	398M	353.9M	320.2M	269.8M	230.9M	151.9M	42.7M	284.9M	51.1M	242.9M	36.3M	292.8M	262.9M	262.1M	193.2M	164.2M	136M	101.2M	81.7M	65.4M
Accounts Receivables	63.8M	60.5M	51.7M	41.9M	38.7M	151.9M	42.7M	47.5M	51.1M	240.3M	36.3M	249.1M	246.8M	251.6M	193.2M	164.2M	136M	101.2M	81.7M	52.7M
Other Receivables	334.2M	293.4M	268.5M	227.9M	192.2M	0.0	0.0	2.3M	0.0	2.5M	0.0	43.8M	16.1M	10.5M	0.0	0.0	0.0	0.0	0.0	12.6M
Inventory	248.5M	191.9M	166.5M	151.6M	111M	95.9M	179.4M	167M	154.4M	140.2M	124.1M	139.4M	145.2M	109.2M	90.4M	71.5M	64M	43.2M	37.9M	35.6M
Prepaids	0.0	0.0	0.0	26.3M	21.7M	10.6M	4.8M	9.4M	9.3M	11.1M	7.9M	29.5M	32.4M	45.5M	30.6M	17.4M	16.9M	9.1M	6.1M	3.9M
Other Current Assets	10M	12.6M	12.5M	-9.6M	-6.3M	154.6M	221.4M	237.8M	201.8M	4.2M	282.3M	145.1M	207M	16.1M	18.1M	23.2M	15.7M	10.9M	9M	7.2M
Total Current Assets	1.1B	729M	719.7M	644.2M	610.9M	593.3M	605.8M	757.1M	581M	482.1M	555.9M	664.8M	531.7M	485.7M	356.2M	302.2M	277.4M	191.9M	157.2M	142M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	311.8M	292.6M	302.5M	278.1M	254.8M	240.8M	67.4M	73.6M	58M	58.5M	75.6M	105.9M	116.3M	108.1M	78.5M	62.3M	51.2M	40.1M	33.8M	29.4M
Goodwill	324.9M	306.5M	302.4M	286.8M	285.8M	257.6M	300.5M	297.4M	254.8M	254M	327.5M	346.6M	428.5M	374.7M	173.2M	117.3M	100.7M	24.4M	16.2M	0.0
Intangible Assets	58.8M	58.5M	58.2M	56.8M	62.1M	58.6M	68M	54.9M	32.4M	30.7M	50.4M	49.5M	61.9M	45.2M	19.8M	0.0	0.0	0.0	0.0	0.0
Goodwill & Intangible Assets	383.7M	364.9M	360.6M	343.6M	347.9M	316.2M	368.6M	352.4M	287.2M	284.7M	377.9M	396.1M	490.4M	419.8M	193M	117.3M	100.7M	24.4M	16.2M	-19M
Long-Term Investments	70M	13.3M	47.2M	62M	37.7M	32.5M	34.5M	49.5M	43.3M	37.1M	56.2M	91.1M	97.1M	126.1M	120.3M	101.4M	38.9M	38M	36M	19M
Tax Assets	29.5M	25.4M	25.7M	12.1M	9.7M	8.9M	2M	7.2M	16.9M	35.3M	25M	26.2M	13.6M	15M	18.1M	60K	6.3M	8.1M	4.8M	3.7M
Other Non-Current Assets	30.3M	68M	12M	7.8M	5.9M	5.4M	5.5M	7.1M	38.1M	85.6M	121.7M	120.9M	96.3M	63.2M	10.1M	23.2M	18.1M	6.2M	3.2M	22.7M
Total Non-Current Assets	825.3M	764.2M	748M	703.7M	656.1M	603.8M	477.9M	489.8M	443.4M	501.1M	656.3M	740.1M	813.6M	732.3M	400.2M	304.2M	215.1M	116.8M	93.9M	55.9M
Total Assets	2B	1.5B	1.5B	1.3B	1.3B	1.2B	1.1B	1.2B	1B	983.2M	1.2B	1.4B	1.3B	1.2B	756.5M	606.4M	492.5M	308.7M	251.2M	197.9M
LIABILITIES
CURRENT LIABILITIES
Total Payables	32.8M	30.7M	31.2M	34M	37.2M	19.1M	26.3M	13.3M	13.1M	22M	51.5M	35M	22M	15.2M	10.6M	21.9M	7.1M	5.9M	11M	22.6M
Accounts Payable	22.9M	20.9M	23M	24.1M	22.5M	19.1M	25.9M	10.5M	13.1M	22M	36.1M	30.3M	22M	15.2M	9.9M	9.1M	6.5M	5.7M	6.2M	22.6M
Other Payables	9.9M	9.9M	8.2M	9.9M	14.8M	0.0	614K	5.6M	0.0	0.0	15.4M	4.7M	0.0	0.0	693K	12.8M	572K	246K	4.8M	0.0
Accrued Expenses	58.6M	37.4M	35.3M	35.4M	36.7M	27M	48.8M	41.9M	39.7M	26.1M	44M	51.9M	49.7M	18.5M	43.1M	30.6M	9.9M	9.7M	9.1M	0.0
Short Term Debt	0.0	103.1M	34.3M	0.0	0.0	50M	214K	190.2M	0.0	0.0	74.3M	11.1M	31M	21.7M	0.0	10M	10M	0.0	0.0	0.0
Capital Lease Obligations (Current)	61.2M	59M	57.2M	52.3M	52.3M	49.7M	-16.2M	-17.4M	0.0	0.0	0.0	418K	533K	594K	0.0	0.0	0.0	0.0	0.0	0.0
Tax Payables	9.9M	9.9M	8.2M	9.9M	14.8M	9.9M	11M	3M	6.3M	0.0	7.9M	28.7M	0.0	12.4M	693K	3.7M	572K	246K	4.8M	0.0
Deferred Revenue	33.9M	21.6M	18.9M	16M	12.6M	11M	12.9M	11.8M	11M	10.7M	10.5M	8.1M	8.6M	7.2M	6.2M	6.1M	4.2M	2.3M	2M	0.0
Other Current Liabilities	14M	17.6M	15.1M	15.2M	16.4M	-24.3M	0.0	0.0	19.8M	44.1M	24.5M	11.5M	33.4M	44.7M	1.7M	823K	21.6M	16.4M	12.3M	1.9M
Total Current Liabilities	200.6M	269.4M	192M	152.9M	155.1M	132.5M	91.1M	259.8M	72.6M	95M	208.1M	125M	141.9M	107.8M	64.3M	69.5M	48.6M	32M	32.4M	24.5M
NON-CURRENT LIABILITIES
Long Term Debt	518.1M	224.3M	325.8M	312.9M	264.2M	251M	238.4M	226.7M	284.8M	283.6M	198M	356.4M	215.9M	198.8M	17.5M	15M	25M	0.0	0.0	0.0
Deferred Revenue (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-1.8M	10.5M	6.2M	11.4M	17.1M	-995K	2.1M	-60K	-6.3M	0.0	0.0	0.0
Deferred Tax Liabilities (Non-Current)	2.6M	2.1M	435K	373K	3.7M	524K	2M	8.8M	1.8M	-10.5M	0.0	0.0	-391K	7.9M	8.3M	60K	6.3M	8.1M	4.8M	0.0
Other Non-Current Liabilities	19.8M	12.3M	10.5M	8.7M	10.4M	10.8M	7.3M	6.9M	7.1M	10.5M	105.7M	35.5M	42.7M	12.1M	0.0	0.0	3.2M	3.7M	2.9M	0.0
Total Non-Current Liabilities	725.2M	419.3M	530M	502.8M	439.6M	415.4M	247.7M	242.4M	291.9M	294.1M	315.7M	403.3M	288.9M	221.7M	27.9M	17.5M	28.2M	3.7M	2.9M	3.2M
Capital Lease Obligations	246M	239.6M	250.4M	233.1M	213.6M	202.8M	0.0	0.0	0.0	0.0	0.0	418K	924K	1.6M	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	925.7M	688.7M	721.9M	655.6M	594.7M	547.9M	338.8M	502.2M	364.4M	389M	523.8M	528.3M	430.8M	329.5M	92.2M	87M	76.8M	35.7M	35.3M	27.7M
SHAREHOLDERS' EQUITY
Treasury Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-12K	-35K	-35K
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	537K	1.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Common Stock	609K	546K	549K	564K	560K	551K	556K	546K	544K	541K	11.7M	536K	543K	512K	501K	493K	487K	416K	413K	405K
Additional Paid-In Capital	450.9M	348.4M	346.2M	345.3M	403.3M	398.5M	407.6M	397.9M	348.5M	318.7M	310M	332.3M	320.8M	268.6M	242.4M	225.4M	217.2M	135.9M	131.1M	124.6M
Retained Earnings	612.7M	507.2M	431.1M	402M	326.8M	318.2M	389.2M	392.2M	351.7M	319.8M	423.1M	547.2M	599.9M	565.8M	422.1M	299.9M	202.6M	134.2M	81.8M	44M
Accumulated Other Comprehensive Income/Loss	-38.7M	-51.5M	-32.1M	-55.7M	-58.4M	-68.1M	-52.4M	-42.6M	-38.4M	-44.1M	-54M	-12.2M	-6.7M	-113K	-746K	-6.4M	-4.6M	2.6M	2.6M	1.2M
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	20.7M	8.9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Stockholders' Equity	1B	804.6M	745.8M	692.2M	672.2M	649.1M	744.9M	748M	662.4M	595M	688.4M	876.6M	914.5M	834.8M	664.2M	519.4M	415.7M	273.1M	215.9M	170.1M
Total Equity	1B	804.6M	745.8M	692.2M	672.2M	649.1M	744.9M	744.7M	659.9M	594.2M	691.7M	912.1M	969.9M	888.5M	664.2M	519.4M	415.7M	273.1M	215.9M	170.1M
Minority Interest	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-3.3M	-2.4M	-778K	3.2M	35.5M	55.4M	53.7M	0.0	0.0	0.0	0.0	0.0	0.0
SUMMARY
Total Liabilities & Equity	2B	1.5B	1.5B	1.3B	1.3B	1.2B	1.1B	1.2B	1B	983.2M	1.2B	1.4B	1.3B	1.2B	756.5M	606.4M	492.5M	308.7M	251.2M	197.9M
Total Investments	70M	13.3M	47.2M	62M	37.7M	32.5M	34.5M	49.5M	43.3M	37.1M	56.2M	91.1M	97.1M	126.1M	120.3M	101.4M	38.9M	38M	36M	19M
Total Debt	764M	566.9M	610.5M	546M	477.8M	454M	238.6M	416.9M	284.8M	283.6M	380.7M	367.5M	247.3M	221.5M	17.5M	25M	35M	0.0	0.0	0.0
Net Debt	294.5M	396.4M	389.9M	340M	224.1M	149.5M	81M	130.9M	120.4M	217.9M	321.6M	311.2M	211M	168.7M	-6.5M	-854K	-9.8M	-27.4M	-22.5M	-29.9M
Shares Outstanding	57,925,965	57,925,965	57,925,965	57,925,965	57,925,965	57,925,965	57,925,965	57,925,965	57,925,965	57,925,965	57,925,965	57,925,965	57,925,965	57,925,965	57,925,965	57,925,965	57,925,965	57,925,965	57,925,965	57,925,965

SEC Filings

EZPW - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 18, 2026	May 14, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 06, 2026	May 06, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 06, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 27, 2026	March 26, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 04, 2026	February 04, 2026	2026	View Filing
10-Q 10-Q 2025 Q4 Q4	February 04, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	January 05, 2026	January 02, 2026	2026	View Filing
8-K 8-K 2025 N/A	November 13, 2025	November 13, 2025	2025	View Filing
10-K 10-K 2025 FY FY	November 13, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	July 30, 2025	July 30, 2025	2025	View Filing

Showing 1 to 10 of 463 filings

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