1. United States of America Stocks

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    Financial - Credit Services
EZCORP, Inc.

EZCORP, Inc.

EZPW
EZCORP, Inc.US flagNASDAQ Global Select
31.84
USD
+0.78
- -
1.86BMarket Cap

Income Statement (USD)

APIChat
2011 Y
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Sales/Revenue/Turnover
853
961
810
746
720
731
748
812
847
823
730
886
1,049
1,162
1,274
+ Sales & Services Revenue
853
961
810
746
720
731
748
812
847
823
730
886
1,049
1,162
1,274
- Cost of Revenue
326
365
329
324
317
302
312
331
353
374
280
358
439
479
528
+ Cost of Goods & Services
326
365
329
324
317
302
312
331
353
374
280
358
439
479
528
Gross Profit
526
596
480
422
403
428
436
482
494
449
449
528
610
682
746
+ Other Operating Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Operating Expenses
351
401
400
403
399
396
382
414
443
442
418
454
518
570
597
+ Selling, General & Admin
51
48
70
80
73
68
53
54
64
54
56
64
68
76
84
+ Research & Development
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Expense
300
353
330
323
326
328
329
360
379
388
362
390
451
494
514
Operating Income (Loss)
176
195
80
19
4
32
53
68
51
7
31
74
92
113
149
- Non-Operating (Income) Loss
-14
-19
49
11
70
32
11
12
47
77
15
7
40
-3
2
+ Interest Expense, Net
2
-2
15
8
16
16
16
11
22
19
20
9
9
3
8
+ Interest Expense
2
2
16
8
16
16
28
28
33
22
22
10
16
14
23
- Interest Income
- -
4
1
- -
- -
- -
12
17
11
3
2
1
7
11
15
+ Other Non-Op (Income) Loss
-16
-17
33
3
54
15
-5
1
26
58
-4
-3
31
-6
-6
Pretax Income
190
214
32
8
-66
- -
43
56
4
-70
16
68
52
116
147
- Income Tax Expense (Benefit)
66
68
9
4
-14
9
11
18
2
-2
7
18
13
33
37
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
124
146
23
3
-52
-9
32
37
2
-68
9
50
38
83
110
- Net Extraordinary Losses (Gains)
2
14
-1
65
32
64
-1
-1
-2
- -
- -
- -
- -
- -
- -
+ Discontinued Operations
-2
-5
-2
-77
-42
-79
-2
-1
- -
- -
- -
- -
- -
- -
- -
+ Extraord. & Accounting Changes
3
19
- -
142
74
143
- -
- -
-2
- -
- -
- -
- -
- -
- -
Income (Loss) Incl. MI
122
133
24
-61
-84
-73
33
38
4
-68
9
50
38
83
110
- Minority Interest
- -
-4
1
6
5
8
2
1
1
- -
- -
- -
- -
- -
- -
Net Income, GAAP
122
137
22
-68
-89
-81
31
37
3
-68
9
50
38
83
110
- Preferred Dividends
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
122
137
22
-68
-89
-81
31
37
3
-68
9
50
38
83
110
EBIT
176
195
80
19
4
32
53
68
51
7
31
74
92
113
149
EBITDA
194
221
115
58
41
61
77
93
80
84
111
106
124
146
181
EBITDA Margin (%)
22.76
22.97
14.22
7.72
5.72
8.33
10.3
11.46
9.47
10.16
15.16
12
11.8
12.54
14.24
EBITA
176
195
80
19
4
32
53
68
51
7
31
74
92
113
149
Gross Margin (%)
61.71
62.03
59.35
56.57
55.98
58.62
58.23
59.29
58.36
54.6
61.61
59.6
58.13
58.74
58.55
Operating Margin (%)
20.61
20.34
9.9
2.54
0.57
4.41
7.14
8.32
6.07
0.86
4.32
8.38
8.73
9.69
11.69
Profit Margin (%)
14.32
14.24
2.76
-9.08
-12.39
-11.05
4.2
4.59
0.3
-8.32
1.18
5.66
3.67
7.15
8.6
Sales per Employee
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
18
25
35
39
37
29
24
25
29
76
79
32
32
33
33
Basic Weighted Avg Shares
50
51
54
54
54
54
54
54
55
55
56
56
56
55
57
Basic EPS, GAAP
2.43
2.67
0.41
-1.26
-1.66
-1.48
0.58
0.68
0.05
-1.24
0.15
0.89
0.69
1.51
1.91
Basic EPS from Cont Ops
2.46
2.86
0.42
0.06
-0.97
-0.17
0.58
0.68
0.03
-1.24
0.15
0.89
0.69
1.51
1.91
Diluted Weighted Avg Shares
50
51
54
54
54
54
54
58
56
55
56
82
81
84
83
Diluted EPS, GAAP
2.43
2.67
0.41
-1.25
-1.64
-1.48
0.58
0.64
0.05
-1.24
0.15
0.61
0.48
0.98
1.31
Diluted EPS from Cont Ops
2.46
2.86
0.42
0.06
-0.96
-0.17
0.58
0.64
0.03
-1.24
0.15
0.61
0.48
0.98
1.31

Balance Sheet (USD)

APIChat
2011 Y
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Total Current Assets
356
481
520
635
511
482
581
749
606
593
611
644
720
729
1,126
+ Cash, Cash Equivalents & STI
24
48
29
55
56
66
164
285
158
305
254
206
221
171
470
+ Cash & Cash Equivalents
24
48
29
55
56
66
164
285
158
305
254
206
221
171
470
+ ST Investments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Accounts & Notes Receiv
193
262
263
308
246
261
253
285
259
174
231
270
320
354
398
+ Accounts Receivable, Net
48
94
106
108
43
49
51
50
43
28
39
42
52
60
64
+ Notes Receivable, Net
- -
- -
- -
- -
- -
42
33
34
7
- -
- -
- -
18
16
24
+ Loans Receivable, Net
145
158
157
162
160
167
169
198
199
131
176
210
246
274
307
+ Other Receivable, Net
- -
11
- -
38
42
3
- -
2
10
15
16
18
5
3
2
+ Inventories
90
109
145
138
124
140
154
167
179
96
111
152
166
192
248
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
-9
-6
-4
-16
-7
-6
-7
-9
-10
-12
-4
-2
-3
-3
-4
+ Other Inventory
100
115
149
154
131
146
161
176
189
108
115
154
169
195
252
+ Other ST Assets
49
62
83
133
85
15
9
12
10
19
15
17
12
13
10
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
400
737
813
776
678
501
443
492
478
604
656
704
748
764
825
+ Property, Plant & Equip, Net
-50
108
116
106
74
58
58
74
67
241
255
278
302
293
312
+ Property, Plant & Equip
78
260
291
237
208
210
224
253
266
451
486
528
580
507
547
- Accumulated Depreciation
129
152
175
131
135
152
166
179
199
211
231
250
277
215
235
+ LT Investments & Receivables
120
126
97
92
56
37
43
50
35
32
38
62
47
65
70
+ LT Investments
120
126
97
92
56
37
43
50
35
32
38
62
47
65
70
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
330
502
600
578
548
406
342
369
376
331
364
364
398
406
443
+ Total Intangible Assets
193
420
499
413
282
285
287
354
369
316
348
344
361
365
384
+ Goodwill
173
375
433
347
252
254
255
299
301
258
286
287
302
306
325
+ Other Intangible Assets
20
45
65
66
31
31
32
55
68
59
62
57
58
58
59
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
137
83
101
165
265
121
55
15
7
14
16
20
38
42
60
Total Assets
756
1,218
1,333
1,411
1,189
983
1,024
1,242
1,084
1,197
1,267
1,348
1,468
1,493
1,951
+ Payables & Accruals
55
72
99
88
96
80
59
55
75
55
74
69
66
72
91
+ Accounts Payable
10
15
22
30
36
22
13
10
26
19
22
24
23
21
23
+ Accrued Taxes
1
- -
- -
- -
- -
2
6
4
11
9
15
10
8
10
10
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
45
57
77
58
59
55
40
41
38
27
37
35
35
41
59
+ ST Debt
- -
22
31
37
74
- -
- -
190
- -
50
52
52
91
162
61
+ ST Borrowings
- -
21
30
36
74
- -
- -
190
- -
- -
- -
- -
34
103
- -
+ ST Finance Leases
- -
1
1
- -
- -
- -
- -
- -
- -
50
52
52
57
59
61
+ Other ST Liabilities
9
14
14
24
38
15
14
15
16
27
29
31
34
36
48
+ Deferred Revenue
9
14
14
15
13
14
14
15
16
11
13
16
19
22
34
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
- -
- -
- -
9
24
2
- -
- -
- -
16
16
15
15
14
14
Total Current Liabilities
64
108
144
148
208
95
73
260
91
132
155
153
192
269
201
+ LT Debt
18
200
216
392
198
284
285
227
238
404
426
494
519
405
703
+ LT Borrowings
18
199
216
392
198
284
285
227
238
251
264
313
326
224
518
+ LT Finance Leases
- -
1
- -
- -
- -
- -
- -
- -
- -
153
161
181
193
181
185
+ Other LT Liabilities
10
76
77
38
116
10
7
16
9
11
14
9
11
14
22
+ Accrued Liabilities
10
22
30
15
10
10
- -
9
2
1
4
- -
- -
2
3
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
- -
54
47
23
106
- -
7
7
7
11
10
9
11
12
20
Total Noncurrent Liabilities
28
275
293
430
314
294
292
242
248
415
440
503
530
419
725
Total Liabilities
92
383
437
578
521
389
364
502
339
548
595
656
722
689
926
+ Preferred Equity and Hybrid Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Share Capital & APIC
243
269
321
333
322
319
349
398
408
399
404
346
347
349
452
+ Common Stock
1
1
1
1
12
1
1
1
1
1
1
1
1
1
1
+ Additional Paid in Capital
242
269
321
332
310
319
349
398
408
398
403
345
346
348
451
- Treasury Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Retained Earnings
422
566
581
510
401
320
352
387
389
318
327
402
431
507
613
+ Other Equity
-1
- -
-6
-10
-55
-44
-38
-42
-52
-68
-58
-56
-32
-52
-39
Equity Before Minority Interest
664
781
896
832
668
595
662
743
745
649
672
692
746
805
1,025
+ Minority/Non Controlling Interest
- -
54
- -
- -
- -
-1
-2
-3
- -
- -
- -
- -
- -
- -
- -
Total Equity
664
835
896
832
668
594
660
739
745
649
672
692
746
805
1,025
Total Liabilities & Equity
756
1,218
1,333
1,411
1,189
983
1,024
1,242
1,084
1,197
1,267
1,348
1,468
1,493
1,951
Shares Outstanding
50
51
54
54
54
54
54
55
56
55
56
56
55
55
61
Number of Employees
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Capital Leases - Total
- -
2
1
- -
- -
- -
- -
- -
- -
203
214
233
250
240
246
Net Debt
-6
171
217
373
216
218
120
132
81
-53
11
107
140
157
49
Net Debt to Equity
-0.97
20.54
24.25
44.8
32.36
36.67
18.25
17.79
10.88
-8.21
1.56
15.44
18.71
19.49
4.73
Tangible Common Equity Ratio
83.64
51.99
47.61
42.05
42.5
44.31
50.56
43.4
52.63
37.8
35.29
34.71
34.79
38.96
40.94
Current Ratio
5.54
4.46
3.62
4.28
2.46
5.08
8
2.88
6.65
4.48
3.94
4.21
3.75
2.71
5.61
Cash Conversion Cycle
96.86
114.84
167.64
181.9
149.26
149.38
176.97
187.57
180.89
121.7
125.67
129.14
129.54
138.22
156.3

Cash Flow Statement (USD)

APIChat
2011 Y
2012 Y
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
+ Net Income
122
141
21
-74
-94
-88
30
36
1
-68
9
50
38
83
110
+ Depreciation & Amortization
18
25
35
39
37
29
24
25
29
76
79
32
32
33
33
+ Non-Cash Items
30
6
88
139
164
124
20
36
56
60
9
65
89
69
64
+ Stock-Based Compensation
13
7
7
7
2
5
6
11
10
-5
4
5
10
10
12
+ Deferred Income Taxes
14
1
-15
-24
-2
3
6
8
2
-8
3
5
-13
1
-3
+ Asset Impairment Charge
- -
- -
45
102
58
84
- -
12
20
55
- -
- -
4
1
1
+ Other Non-Cash Adj
3
-2
51
54
106
32
8
6
25
19
2
55
88
56
54
+ Chg in Non-Cash Work Cap
-17
-33
-23
-29
-27
4
-23
-9
18
-19
-50
-81
-58
-71
-57
+ (Inc) Dec in Accts Receiv
-3
1
3
-16
-10
8
- -
-2
-1
11
-7
-5
-4
-5
-4
+ (Inc) Dec in Inventories
-7
-4
-10
- -
- -
-4
1
-1
- -
14
- -
-15
-5
-8
-18
+ (Inc) Dec in Prepaid Assets
-12
-25
-29
-29
-12
-12
4
- -
6
-1
7
3
-2
-9
-6
+ Inc (Dec) in Accts Payable
5
2
11
15
16
-26
-31
-3
22
-37
-54
-65
-62
-57
-41
+ Inc (Dec) in Other
- -
-7
1
- -
-21
38
3
-3
-9
-6
3
1
14
8
12
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Operating Activities
153
139
120
75
79
68
51
89
104
49
46
67
102
114
149
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
-34
-46
-47
-23
-24
-10
-19
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed Prod Assets
-34
-46
-47
-23
-24
-10
-19
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash (Repurchase) of Equity
- -
- -
- -
-12
- -
-12
- -
- -
- -
-5
- -
-2
-17
-12
-7
+ Increase in Capital Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Decrease in Capital Stock
- -
- -
- -
-12
- -
-12
- -
- -
- -
-5
- -
-2
-17
-12
-7
+ Net Change in LT Investment
-247
-283
- -
- -
- -
- -
- -
- -
- -
- -
- -
-16
-15
-16
- -
+ Dec in LT Investment
406
520
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc in LT Investment
-652
-803
- -
- -
- -
- -
- -
- -
- -
- -
- -
-16
-15
-16
- -
+ Net Cash From Acq & Div
-68
-129
-26
-13
-20
29
-2
-107
-8
- -
-19
-9
-17
-13
-21
+ Cash from Divestitures
- -
- -
- -
- -
- -
35
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash for Acq of Subs
-68
-129
-26
-13
-20
-6
-2
-107
-8
- -
-19
-9
-17
-13
-21
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
208
242
-83
-44
-24
-17
8
-27
-20
110
-66
-88
-79
-83
-96
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Investing Activities
-141
-215
-155
-80
-68
3
-13
-134
-28
110
-85
-113
-111
-112
-118
+ Dividends Paid
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Net Cash From Debt
-155
107
35
147
-2
-48
54
168
-195
1
-15
- -
51
-35
293
+ Cash From Debt
164
795
511
766
70
64
140
171
1
1
- -
- -
230
- -
300
+ Repayments of Debt
-319
-688
-476
-619
-72
-112
-85
-4
-196
- -
-15
- -
-179
-35
-7
+ Other Financing Activities
141
-16
-11
-102
5
-3
-1
- -
-3
-2
-1
-1
-11
-3
-12
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
-14
91
24
33
2
-63
53
168
-198
-6
-16
-3
24
-50
274
Effect of Foreign Exchange Rates
- -
1
- -
-1
-10
-1
1
-1
-1
-3
5
- -
- -
-1
-1
Net Changes in Cash
-2
15
-11
27
14
8
91
122
-123
153
-54
-50
15
-48
306
EBITDA
194
221
115
58
41
61
77
93
80
84
111
106
124
146
181
EBITDA Margin (%)
22.76
22.97
14.22
7.72
5.72
8.33
10.3
11.46
9.47
10.16
15.16
12
11.8
12.54
14.24
Free Cash Flow
119
93
74
52
56
59
32
89
104
49
46
67
102
114
149
Net Cash Paid for Acquisitions
68
129
26
13
20
-29
2
107
8
- -
19
9
17
13
21
Free Cash Flow to Firm
120
95
85
55
- -
-350
52
108
117
- -
58
74
114
123
166
Free Cash Flow to Equity
-35
200
109
198
53
11
86
257
-92
50
31
67
153
79
442
Free Cash Flow per Basic Share
2.37
1.82
1.36
0.97
1.04
1.08
0.59
1.63
1.87
0.89
0.83
1.18
1.83
2.07
2.59
Price/Free Cash Flow
7.67
6.35
5.47
5.51
3.25
7.75
7.43
6.96
3.49
5.67
9.12
9.55
6.55
8.33
10.66
Cash Flow to Net Income
1.25
1.02
5.4
-1.1
-0.89
-0.84
1.61
2.39
40.74
-0.72
5.39
1.33
2.65
1.37
1.36
Capital Expenditures
-34
-46
-47
-23
-24
-10
-19
- -
- -
- -
- -
- -
- -
- -
- -