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.
EZPW Q1 FY2026 Key Financial Metrics
Revenue
$382.0M
Gross Profit
$223.0M
Operating Profit
$60.6M
Net Profit
$44.3M
Gross Margin
58.4%
Operating Margin
15.9%
Net Margin
11.6%
YoY Growth
19.3%
EPS
$0.55
EZCORP INC Q1 FY2026 Financial Summary
EZCORP INC reported revenue of $382.0M (up 19.3% YoY) for Q1 FY2026, with a net profit of $44.3M (up 42.8% YoY) (11.6% margin). Cost of goods sold was $159.1M, operating expenses totaled $162.4M.
Key Financial Metrics
| Total Revenue | $382.0M |
|---|---|
| Net Profit | $44.3M |
| Gross Margin | 58.4% |
| Operating Margin | 15.9% |
| Report Period | Q1 FY2026 |
Revenue Breakdown
EZCORP INC Q1 FY2026 revenue of $382.0M breaks down across 3 segments, led by Merchandise at $210.1M (55.0% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Merchandise | $210.1M | 55.0% |
| Pawn Service | $131.9M | 34.5% |
| Jewelry Scrap | $39.9M | 10.4% |
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 Scrap | $39.9M | — | — | — |
EZCORP INC Annual Revenue by Year
EZCORP INC annual revenue history includes year-by-year totals (for example, 2025 revenue was $1.3B).
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 |