EZPW - NASDAQ
EZCORP, Inc.
$31.84
+2.8%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.
At a Glance
Live SnapshotEZCORP, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Moderate capital requirements typical of many stable businesses. Healthy balance between reinvestment and cash generation.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extension—monitor closely.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
EZCORP, Inc. Cash Flow Statement
EZPW • NASDAQ
| EZCORP, Inc. Cash Flow Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
109.6M | 83.1M | 38.5M | 50.2M | 8.6M | -68.5M | 1.3M | 38.1M | 30.2M | -9.6M | -91.5M | -41.5M | 38.4M | 150.6M | 122.2M | 97.3M | 68.5M | 52.4M | 37.9M | 29.3M | |
32.5M | 33.1M | 89.1M | 32.1M | 79.2M | 76.5M | 28.8M | 25.5M | 23.7M | 26.5M | 37M | 38.6M | 34.9M | 25.3M | 18.3M | 14.7M | 12.7M | 12.4M | 9.8M | 8.6M | |
-3.1M | 1.4M | -12.8M | 4.9M | 3.3M | -8.4M | 1.6M | 8M | 6M | 849K | -39.4M | -12M | -14.9M | 2.8M | 13.6M | -1.3M | 2.5M | -5.3M | -2.6M | 3.7M | |
12.5M | 10.4M | 9.5M | 5.1M | 3.9M | -5.1M | 9.8M | 10.8M | 5.9M | 5.3M | 2.4M | 7.3M | 7.3M | 6.7M | 13.2M | 4.5M | 3.7M | 3.7M | 3.6M | 0.0 | |
54.6M | 57M | 35.6M | 55.5M | 1.8M | 71.1M | 44.5M | 17.2M | 8.2M | 20.6M | 177.6M | 130.8M | 84.3M | 432K | -876K | 2.4M | 3M | 5.3M | 2.3M | 3.6M | |
(39.5M) | (25.7M) | (11.4M) | (15.9M) | (3.7M) | (9.8M) | (11.1M) | (13.7M) | (8.9M) | (3M) | -8M | (30.2M) | (47.1M) | (83M) | (55.1M) | (50.6M) | (32.2M) | (35M) | (0.0) | (0.0) | |
-57.2M | -71.3M | -58.1M | -81.2M | -50.4M | -16.6M | 17.5M | -10.8M | -22.1M | 20.6M | -6.7M | -34.1M | -23.6M | -35.3M | -18M | 7.2M | -9.8M | -6.2M | 2.4M | 467K | |
149M | 113.6M | 101.8M | 66.5M | 46.4M | 49.1M | 103.5M | 88.7M | 51.8M | 64.4M | 79.4M | 89.2M | 126.5M | 150.4M | 148.4M | 124.7M | 80.6M | 62.3M | 53.4M | 43.2M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-38.6M | -35.8M | -40.4M | -31.9M | -23.6M | -28.5M | -38.8M | -40.5M | -18.9M | -9.5M | -24.3M | -23M | -46.7M | -45.8M | -34.8M | -25.7M | -19.3M | -18.2M | -13.7M | -11.1M | |
-21.5M | -13.2M | -17M | -8.8M | -19M | (0.0) | -8.1M | -107.2M | -2.3M | -6M | -19.9M | -13.2M | -25.8M | -128.6M | -67.9M | -21.8M | -40.9M | -15.5M | -23.2M | -2.2M | |
(0.0) | -15.7M | -15M | -16.5M | (0.0) | (0.0) | (0.0) | -14M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -802.9M | -652.4M | -604.8M | -446M | -15K | -13.4M | (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 | 520.2M | 405.6M | 510.1M | 430.5M | 0.0 | 259K | 0.0 | |
-57.8M | -47.2M | -38.4M | -56.1M | -42M | 138.4M | 19.1M | 13.5M | 13.8M | 22.2M | -23.5M | 1.4M | -87.9M | 245.9M | 212.9M | 5.2M | 2.7M | -24.8M | -12.8M | -2.7M | |
-117.9M | -111.9M | -110.9M | -113.3M | -84.6M | (109.9M) | -27.8M | -134.2M | -7.3M | (6.7M) | -67.7M | -34.8M | -160.4M | -211.2M | -136.6M | -137.1M | -73M | -58.4M | -62.9M | -15.9M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-7M | -12M | -17M | -2M | 0.0 | -5.2M | -3.3M | 0.0 | 0.0 | -11.8M | 0.0 | -11.9M | 5.9M | 649K | 397K | 1.6M | -442K | 417K | 1.5M | 4.4M | |
293M | -34.9M | 51.2M | 0.0 | -15.4M | 714K | -195M | 167.9M | 54.1M | -48M | -2.2M | 71.5M | 33.7M | 88.6M | -7.5M | -10M | 3.4M | 0.0 | 0.0 | -7M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -1.2M | -2.2M | -4.8M | -5.1M | -10.6M | -3.8M | -7.3M | -3.8M | -1.6M | -1.8M | -1.3M | (0.0) | |
-7M | -12M | -17M | -2M | (0.0) | -5.2M | -3.3M | -311K | -767K | -11.8M | -210K | -11.9M | (0.0) | (0.0) | (0.0) | (0.0) | -442K | (0.0) | (0.0) | (0.0) | |
-11.6M | -3.3M | -10.6M | -792K | -839K | -1.8M | -3.3M | -311K | 386K | -3.4M | 9.5M | -86.4M | -845K | -1.2M | -6.7M | 1.9M | 8.4M | 552K | 633K | 1.1M | |
274.4M | -50.2M | 23.7M | -2.8M | -16.3M | -6.3M | -198.3M | 167.6M | 53.4M | -63.2M | 2.4M | -33.9M | 22.2M | 84.2M | -13.8M | -6.5M | 9.7M | 969K | 2.1M | -1.6M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-637K | -725K | -41K | 325K | 5.5M | -2.6M | -507K | -484K | 724K | -1.4M | -10.3M | -532K | -462K | 1.1M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
304.9M | -49.2M | 14.6M | -49.3M | -48.9M | 150.1M | -123.1M | 121.6M | 98.7M | 9.5M | 3.8M | 20M | -12.2M | 24.5M | -1.9M | -18.9M | 17.3M | 4.9M | -7.4M | 25.8M | |
179.8M | 229M | 214.4M | 263.6M | 312.6M | 162.4M | 285.6M | 164.4M | 65.7M | 56.2M | 55.3M | 36.3M | 48.5M | 24M | 25.9M | 44.8M | 27.4M | 22.5M | 29.9M | 4.2M | |
484.7M | 179.8M | 229M | 214.4M | 263.6M | 312.6M | 162.4M | 286M | 164.4M | 65.7M | 59.1M | 56.3M | 36.3M | 48.5M | 24M | 25.9M | 44.8M | 27.4M | 22.5M | 29.9M | |
110.4M | 77.8M | 61.4M | 34.6M | 22.8M | 20.6M | 64.7M | 48.3M | 33M | 54.9M | 55.1M | 66.3M | 79.8M | 104.7M | 113.7M | 99M | 61.4M | 44.2M | 39.7M | 32.2M |
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 | |
8-K 8-K 2026 N/A | May 06, 2026 | May 06, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 06, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 27, 2026 | March 26, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 04, 2026 | February 04, 2026 | 2026 | |
10-Q 10-Q 2025 Q4 Q4 | February 04, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 05, 2026 | January 02, 2026 | 2026 | |
8-K 8-K 2025 N/A | November 13, 2025 | November 13, 2025 | 2025 | |
10-K 10-K 2025 FY FY | November 13, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | July 30, 2025 | July 30, 2025 | 2025 |
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