EZPW

MKT CAP:$2B

EZCORP, Inc.

Market Cap

$2B

Financial Services·Financial - Credit Services·🇺🇸 United States·NASDAQ

Financials·Financial·🇺🇸·NASDAQ

Stock Price

$31.86+$11.80 (+58.82%)

Apr 24, 2026

Company Details

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 sell...

CEO

Lachlan Given

IPO Date

Aug 27, 1991

Website

www.ezcorp.com

Key Metrics TTM

Revenue

$1.3B

+13.1% YoY

Net Income

$123M

EPS (Diluted)

$1.56

Free Cash Flow

$123M

Revenue / Share

$16.04

Gross Margin

58.6%

Operating Margin

12.6%

Net Margin

9.2%

FCF Margin

9.2%

P/S

1.4x

P/E

15.2x

Earnings Reports

Q2 2026

Apr 27, 2026

PENDING

Q1 2026

Feb 4, 2026

$382M+19.3%EPS $0.55

FY 2025

Nov 13, 2025

$1.3B+9.7%EPS $1.42

Q4 2025

Nov 13, 2025

$337M+14.3%EPS $0.34

Q3 2025

Jul 30, 2025

$311M+10.5%EPS $0.34

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 22	$216M	$129M	$24M
Q3 22	$216M	$130M	$14M
Q4 22	$233M	$138M	$15M
Q1 23	$264M	$152M	$28M
Q2 23	$258M	$149M	$27M
Q3 23	$256M	$149M	$21M
Q4 23	$270M	$159M	$17M
Q1 24	$300M	$173M	$37M
Q2 24	$286M	$168M	$27M
Q3 24	$281M	$167M	$22M
Q4 24	$295M	$175M	$26M
Q1 25	$320M	$185M	$42M
Q2 25	$306M	$178M	$34M
Q3 25	$311M	$184M	$36M
Q4 25	$337M	$199M	$37M
Q1 26	$382M	$223M	$61M

Valuation

Quarter	P/S	P/E
Q2 22	0.4x	11.6x
Q3 22	0.5x	9.9x
Q4 22	0.5x	8.9x
Q1 23	0.5x	9.6x
Q2 23	0.5x	16.0x
Q3 23	0.5x	12.9x
Q4 23	0.4x	11.9x
Q1 24	0.4x	9.5x
Q2 24	0.6x	7.8x
Q3 24	0.5x	7.3x
Q4 24	0.5x	7.4x
Q1 25	0.6x	7.8x
Q2 25	0.7x	9.0x
Q3 25	0.6x	7.8x
Q4 25	0.9x	10.3x
Q1 26	0.9x	9.9x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q2 22	$22M	$16M
Q3 22	$18M	$10M
Q4 22	$18M	$4M
Q1 23	$12M	$4M
Q2 23	$35M	$24M
Q3 23	$27M	$18M
Q4 23	$28M	$15M
Q1 24	$21M	$14M
Q2 24	$15M	$9M
Q3 24	$36M	$32M
Q4 24	$43M	$24M
Q1 25	$26M	$20M
Q2 25	$37M	$29M
Q3 25	$37M	$27M
Q4 25	$51M	$36M
Q1 26	$39M	$32M

Capital Expenditures

Quarter	CapEx
Q2 22	$6M
Q3 22	$8M
Q4 22	$14M
Q1 23	$7M
Q2 23	$11M
Q3 23	$9M
Q4 23	$13M
Q1 24	$7M
Q2 24	$6M
Q3 24	$3M
Q4 24	$19M
Q1 25	$6M
Q2 25	$8M
Q3 25	$9M
Q4 25	$16M
Q1 26	$7M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 22	+16.8%	+10.0%
Q3 22	+24.0%	+18.7%
Q4 22	+21.3%	+18.4%
Q1 23	+19.6%	+18.8%
Q2 23	+19.7%	+20.8%
Q3 23	+18.5%	+16.3%
Q4 23	+15.9%	+16.2%
Q1 24	+13.5%	+11.4%
Q2 24	+10.5%	+11.5%
Q3 24	+10.0%	+10.2%
Q4 24	+8.9%	+5.8%
Q1 25	+6.7%	+5.8%
Q2 25	+7.2%	+5.3%
Q3 25	+10.5%	+6.1%
Q4 25	+14.3%	+11.6%
Q1 26	+19.3%	+15.5%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q2 22	$460.0K	0.2%
Q3 22	$2M	0.9%
Q4 22	$1M	0.4%
Q1 23	$2M	0.7%
Q2 23	$2M	0.7%
Q3 23	$3M	1.2%
Q4 23	$3M	1.0%
Q1 24	$2M	0.8%
Q2 24	$3M	0.9%
Q3 24	$0	0.0%
Q4 24	$2M	0.8%
Q1 25	$3M	0.8%
Q2 25	$2M	0.8%
Q3 25	$0	0.0%
Q4 25	$3M	1.0%
Q1 26	$3M	0.9%

OpEx Breakdown

Quarter	G&A	S&M
Q2 22	$12M	—
Q3 22	$19M	—
Q4 22	$18M	—
Q1 23	$15M	—
Q2 23	$16M	—
Q3 23	$18M	—
Q4 23	$19M	—
Q1 24	$17M	—
Q2 24	$18M	—
Q3 24	$20M	$116M
Q4 24	$21M	—
Q1 25	$19M	—
Q2 25	$20M	—
Q3 25	$22M	—
Q4 25	$23M	—
Q1 26	$27M	—

Revenue Segments

Quarter	Jewelry Scrapping	Merchandise	Pawn Service	Product and Service, Other
Q2 22	$6M	$134M	$77M	$53.0K
Q3 22	$7M	$128M	$80M	$49.0K
Q4 22	$12M	$133M	$88M	$34.0K
Q1 23	$8M	$164M	$93M	$63.0K
Q2 23	$13M	$153M	$93M	$61.0K
Q3 23	$14M	$148M	$94M	$82.0K
Q4 23	$15M	$151M	$104M	$89.0K
Q1 24	$14M	$179M	$106M	$57.0K
Q2 24	$14M	$165M	$107M	$75.0K
Q3 24	$15M	$158M	$108M	$56.0K
Q4 24	$18M	$162M	$115M	$51.0K
Q1 25	$17M	$186M	$117M	$43.0K
Q2 25	$21M	$169M	$116M	$40.0K
Q3 25	$27M	$169M	$115M	$48.0K

Revenue by Geography

Quarter	Latin America Pawn Segment
Q4 25	$346M

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$255M	$0	$255M
Q3 22	$222M	$0	$222M
Q4 22	$206M	$0	$206M
Q1 23	$208M	$0	$208M
Q2 23	$243M	$0	$243M
Q3 23	$238M	$0	$238M
Q4 23	$221M	$0	$221M
Q1 24	$219M	$0	$219M
Q2 24	$229M	$0	$229M
Q3 24	$218M	$0	$218M
Q4 24	$171M	$0	$171M
Q1 25	$175M	$0	$175M
Q2 25	$505M	$0	$505M
Q3 25	$472M	$0	$472M
Q4 25	$470M	$0	$470M
Q1 26	$466M	$0	$466M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 22	82M	+0.6%	+48.0%
Q3 22	83M	+0.1%	+47.6%
Q4 22	83M	+0.0%	+45.2%
Q1 23	84M	+1.5%	+2.2%
Q2 23	85M	+1.8%	+3.5%
Q3 23	87M	+1.8%	+5.2%
Q4 23	87M	+0.4%	+5.6%
Q1 24	87M	-0.4%	+3.6%
Q2 24	83M	-4.3%	-2.6%
Q3 24	83M	-0.0%	-4.4%
Q4 24	84M	+0.7%	-4.1%
Q1 25	83M	-0.2%	-4.0%
Q2 25	83M	-0.2%	+0.1%
Q3 25	83M	-0.3%	-0.1%
Q4 25	83M	+0.4%	-0.4%
Q1 26	83M	+0.1%	-0.1%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q2 22	$33.2K	7K
Q3 22	$33.2K	7K
Q4 22	$33.3K	7K
Q1 23	$37.8K	7K
Q2 23	$36.9K	7K
Q3 23	$36.5K	7K
Q4 23	$36.1K	8K
Q1 24	$40.0K	8K
Q2 24	$38.1K	8K
Q3 24	$37.5K	8K
Q4 24	$36.8K	8K
Q1 25	$40.0K	8K
Q2 25	$38.3K	8K
Q3 25	$38.9K	8K
Q4 25	$39.6K	9K
Q1 26	$44.9K	9K

Revenue / Employee