Saturday 17 October 2026 Export EZPW’s income statement to Excel — free account

EZCORP, Inc.

EZCORP, Inc.’s revenue for fiscal 2025 (year ended September 2025) was $1.3 billion, up 9.70% from fiscal 2024. In the quarter to June 2026, revenue grew 34.7%, EPS grew 37.8%, free cash flow grew 27.9% and total debt was flat, each against the same quarter a year earlier. Revenue growth for five consecutive years, operating cash flow growth for five.

33.00 0.13 −0.39%

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Market cap: $2.0B
P/E: 12.8×
Fwd P/E: 16.0×
Dividend yield: —
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 5.48

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	5	1	—	2	1	1	1	—	—

Insider Ownership 11.87%

Capital & Financial Ratios $m

Market Cap 2,040.00

Revenue 1,584.46

Net Income 159.09

Free Cash Flow 138.33

Net Debt (180.48)

Current Ratio 4.81

Debt/Equity 0.44

P/E ratio 12.79

Fwd P/E 16.00

P/S ratio 1.28

P/B ratio 1.74

Past 5Y EPS Growth —

This Y EPS Growth 41.49%

Next Y EPS Growth 7.83%

Next Y revenue growth 31.45%

Next 5Y EPS Growth 19.93%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 48.94%

10-year low 10-year high

P/S against its own 10 years 97.71%

10-year low 10-year high

P/B against its own 10 years 98.42%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2023	Powerpack
2022	Powerpack
2021	Powerpack
2020	Powerpack
2017	Powerpack

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	475	454	778	700
Receivables	39	44	49	57
Inventory	166	192	248	316
Other	—	—	—	—
	720	729	1,126	1,117

	2023	2024	2025	Q'26
Payables	82	86	105	120
ST’ Debt	34	103	—	—
Other	—	—	—	—
	192	269	201	232

Compound Annual Growth %

	10y	5y	3y
Sales	5.87%	9.14%	12.87%
Cash Flow	6.50%	24.87%	30.83%
Earnings	0.00%	0.00%	29.77%
Book Value	4.57%	9.58%	14.00%

Revenue $m

	Dec	Mar	Jun	Sep	Year
’26	382	447	419	—	—
’25	320	306	311	337	1,274
’24	300	286	281	295	1,162
’23	264	258	256	270	1,049
’22	221	216	216	233	886
’21	178	185	174	192	730
’20	222	223	210	167	823

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Dec	Mar	Jun	Sep	Year
’26	39	48	43	—	—
’25	26	37	35	51	149
’24	21	15	34	43	114
’23	12	35	27	28	102
’22	9	22	18	18	67
’21	(5)	23	14	13	46
’20	(11)	32	35	(7)	49

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Dec	Mar	Jun	Sep	Year
’26	32	38	33	—	—
’25	20	29	26	36	110
’24	14	9	31	24	78
’23	4	24	18	15	61
’22	4	16	10	4	35
’21	(8)	18	8	4	23
’20	(16)	26	26	(15)	21

Fiscal quarters ending in the months shown.

EPS $

	Dec	Mar	Jun	Sep	Year
’26	0.55	0.61	0.48	—	—
’25	0.40	0.33	0.34	0.34	1.42
’24	0.36	0.29	0.25	0.21	1.10
’23	0.25	(0.12)	0.24	0.15	0.53
’22	0.21	0.20	0.17	0.11	0.70
’21	0.08	0.10	(0.05)	0.03	0.15
’20	0.02	(0.74)	(0.10)	(0.42)	(1.24)

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	2.44	7.55	7.45	4.77	3.41	4.47	5.51	7.70	8.20	11.60	Analyst estimates 2026–2028 Powerpack
	High	12.00	12.50	15.10	11.25	6.96	8.80	10.68	9.73	12.85	21.49
People
People	Employees	5,600	5,200	5,200	6,200	6,800	6,500	7,000	7,500	8,000	8,500
	Revenue/emp, $m	0.13	0.14	0.16	0.14	0.12	0.11	0.13	0.14	0.15	0.15
Income, $m
Income, $m	Revenue	731	748	812	847	823	730	886	1,049	1,162	1,274
	Gross margin, %	58.62	58.23	59.29	58.36	54.60	61.61	59.60	58.13	58.74	58.55
	EBT	0	43	56	4	(70)	16	68	52	116	147
	EBT margin, %	0.05	5.71	6.84	0.49	(8.52)	2.20	7.64	4.92	9.95	11.52
	Net income	(88)	30	36	1	(68)	9	50	38	83	110
	Depreciation	114	36	43	49	144	44	34	34	35	34
Per share, $
Per share, $	Revenue	13.42	13.78	14.91	15.31	14.87	13.09	15.69	18.87	21.15	22.17
	Earnings	(1.48)	0.59	0.72	0.05	(1.24)	0.15	0.89	0.69	1.51	1.91
	Cash flow	1.25	0.93	1.63	1.87	0.89	0.83	1.18	1.83	2.07	2.59
	Capex	(0.24)	(0.46)	(0.74)	(0.70)	(0.52)	(0.42)	(0.56)	(0.73)	(0.65)	(0.67)
	Free cash flow	1.01	0.47	0.89	1.17	0.37	0.41	0.61	1.10	1.42	1.92
	Book value	10.92	12.16	13.58	13.46	11.74	12.06	12.25	13.42	14.65	17.85
	Shares, m	54	54	54	55	55	56	56	56	55	57
Valuation, ×
Valuation, ×	P/E	0.00	16.44	14.20	161.50	0.00	47.31	8.66	11.87	7.38	9.92
	P/S	0.82	0.70	0.70	0.42	0.34	0.58	0.49	0.44	0.53	0.86
	P/B	1.01	0.80	0.77	0.48	0.43	0.63	0.63	0.62	0.77	1.07
	EV/Sales	1.01	0.75	0.62	0.28	0.10	0.41	0.42	0.33	0.42	0.74
	EV/FCF	13.39	21.81	10.42	3.63	4.16	13.08	10.86	5.66	6.29	8.49
Cash, $m
Cash, $m	Operating cash flow	68	51	89	104	49	46	67	102	114	149
	Capex	(13)	(25)	(40)	(39)	(29)	(24)	(32)	(40)	(36)	(39)
	Free cash flow	55	26	49	65	21	23	35	61	78	110
Balance, $m
Balance, $m	Working capital	387	508	489	515	461	456	491	528	460	925
	Total debt	284	285	417	239	251	316	365	360	327	518
	Net debt	51	(49)	(67)	(123)	(193)	(123)	(59)	(115)	(127)	(259)
	Shareholders’ equity	594	660	739	745	649	672	692	746	805	1,025
Returns, %
Returns, %	ROA	(7.43)	3.13	3.29	0.22	(6.00)	0.70	3.84	2.73	5.61	6.36
	ROIC	2.83	5.42	6.24	4.72	(6.62)	3.55	7.40	9.13	10.37	12.17
	ROE	(12.92)	5.01	5.33	0.34	(9.82)	1.30	7.35	5.35	10.72	11.98

Negative figures in brackets.

All 10 years →

Fiscal years to Sep 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
SLM SLM Corporation	$4.2B	6.0×	7.1×	−1.93% (below 0%: shrinking)	−9.38% (below 0%: shrinking)	+2.81% (above 0%: growing)	59.84%	0.00%	Compare
BFH Bread Financial Holdings, Inc.	$3.9B	7.9×	8.2×	+3.39% (above 0%: growing)	+21.89% (above 0%: growing)	+1.93% (above 0%: growing)	100.00%	76.43%	Compare
UPST Upstart Holdings, Inc.	$2.4B	38.0×	32.5×	+41.75% (above 0%: growing)	+183.33% (above 0%: growing)	−14.74% (below 0%: shrinking)	83.19%	4.01%	Compare
ECPG Encore Capital Group Inc	$2.2B	7.5×	6.3×	+11.25% (above 0%: growing)	+18.80% (above 0%: growing)	−1,282.62% (below 0%: shrinking)	100.00%	0.00%	Compare
AGM Federal Agricultural Mortgage Corporation	$2.2B	11.1×	9.4×	+12.93% (above 0%: growing)	+20.67% (above 0%: growing)	+188.57% (above 0%: growing)	27.34%	0.00%	Compare
EZPW EZCORP, Inc.	$2.0B	12.8×	16.0×	+34.65% (above 0%: growing)	+37.78% (above 0%: growing)	+27.86% (above 0%: growing)	58.79%	13.09%
WU The Western Union Company	$1.9B	5.0×	4.7×	−1.26% (below 0%: shrinking)	−32.43% (below 0%: shrinking)	+316.72% (above 0%: growing)	33.21%	13.04%	Compare
ATLC Atlanticus Holdings Corporation	$1.4B	9.6×	8.8×	+88.84% (above 0%: growing)	+67.38% (above 0%: growing)	+112.08% (above 0%: growing)	83.42%	0.00%	Compare
JCAP Jefferson Capital, Inc.	$1.2B	8.4×	6.3×	+16.26% (above 0%: growing)	−96.40% (below 0%: shrinking)	−45.57% (below 0%: shrinking)	63.06%	45.87%	Compare
Median of peers	$2.2B	8.1×	7.7×	+12.09%	+19.74%	+2.37%	73.13%	2.01%

All 55 Credit Services stocks →

EZCORP, Inc. (EZPW) key facts

Strength: EZCORP, Inc.’s revenue for fiscal 2025 (year ended September 2025) was $1.3 billion, up 9.70% from fiscal 2024.
Strength: Net income was $109.6 million, or $1.91 per share (basic), a net margin of 8.60%.
EZCORP, Inc. (EZPW) is a Credit Services company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, EZPW traded at $33.00, a market capitalization of $2.0 billion.
At that price the stock trades at 12.8× trailing-twelve-month earnings and 1.3× sales; its P/E is higher than 49% of its own readings over the past ten years.
Return on equity was 12.0% and debt-to-equity 0.44.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.