EZCORP INCEZPWEarnings & Financial Report
EZCORP, Inc. is an American pawn shop operator based in Austin, Texas which provides services across the United States and Latin America. It is a publicly traded company listed on the NASDAQ stock exchange and is the second largest pawn shop operator in the U.S. after Cash America International.
Revenue
$306.3M
Gross Profit
$178.5M
Operating Profit
$34.2M
Net Profit
$25.4M
Gross Margin
58.3%
Operating Margin
11.2%
Net Margin
8.3%
YoY Growth
7.2%
EPS
$0.33
EZCORP INC Q2 FY2025 Financial Summary
EZCORP INC reported revenue of $306.3M (up 7.2% YoY) for Q2 FY2025, with a net profit of $25.4M (up 18.2% YoY) (8.3% margin). Cost of goods sold was $127.9M, operating expenses totaled $144.2M.
Key Financial Metrics
| Total Revenue | $306.3M |
|---|---|
| Net Profit | $25.4M |
| Gross Margin | 58.3% |
| Operating Margin | 11.2% |
| Report Period | Q2 FY2025 |
Revenue Breakdown
EZCORP INC Q2 FY2025 revenue of $306.3M breaks down across 3 segments, led by Merchandise at $169.5M (55.3% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Merchandise | $169.5M | 55.3% |
| Pawn Service | $115.9M | 37.8% |
| Jewelry Scrapping | $20.9M | 6.8% |
EZCORP INC Revenue by Segment — Quarterly Trend
EZCORP INC revenue by segment across the last 4 reported quarters, showing how each business line (such as Merchandise and Pawn Service) has evolved quarter over quarter.
| Segment | Q1 FY2026 | Q4 FY2025 | Q3 FY2025 | Q2 FY2025 |
|---|---|---|---|---|
| Merchandise | $210.1M | $176.6M | $168.6M | $169.5M |
| Pawn Service | $131.9M | $126.0M | $115.3M | $115.9M |
| Jewelry Scrapping | — | — | $27.0M | $20.9M |
EZCORP INC Annual Revenue by Year
EZCORP INC annual revenue history includes year-by-year totals (for example, 2025 revenue was $1.3B).
| Year | Annual Revenue |
|---|---|
| 2025 | $1.3B |
| 2024 | $1.2B |
| 2023 | $1.0B |
| 2022 | $886.2M |
EZCORP INC Quarterly Revenue & Net Profit History
EZCORP INC results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q1 FY2026 | $382.0M | +19.3% | $44.3M | 11.6% |
| Q4 FY2025 | $336.8M | +14.3% | $26.7M | 7.9% |
| Q3 FY2025 | $311.0M | +10.5% | $26.5M | 8.5% |
| Q2 FY2025 | $306.3M | +7.2% | $25.4M | 8.3% |
| Q1 FY2025 | $320.2M | +6.7% | $31.0M | 9.7% |
| Q4 FY2024 | $294.6M | +8.9% | $15.2M | 5.2% |
| Q3 FY2024 | $281.4M | +10.0% | $17.9M | 6.4% |
| Q2 FY2024 | $285.6M | +10.5% | $21.5M | 7.5% |
Income Statement
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $285.6M | $281.4M | $294.6M | $320.2M | $306.3M | $311.0M | $336.8M | $382.0M |
| YoY Growth | 10.5% | 10.0% | 8.9% | 6.7% | 7.2% | 10.5% | 14.3% | 19.3% |
Balance Sheet
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $1.51B | $1.51B | $1.49B | $1.50B | $1.83B | $1.88B | $1.95B | $1.99B |
| Liabilities | $707.7M | $708.7M | $688.7M | $675.2M | $978.1M | $893.0M | $925.7M | $916.8M |
| Equity | $800.4M | $801.5M | $804.6M | $823.9M | $851.6M | $990.1M | $1.03B | $1.07B |
Cash Flow
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $15.1M | $33.7M | $43.3M | $26.0M | $36.9M | $34.8M | $51.3M | $39.1M |