EZPW on Nasdaq

EZCorp

Logo: EZCorp, Public domain, via Wikimedia Commons4

American pawn shop operator

EZCORP, Inc. is an American pawn shop operator based in Austin, Texas which provides services across the United States and Latin America.3 From Wikipedia, CC BY-SA 4.0

Price unavailable

Last updated Oct 18, 2026.

Overview

$1.3BRevenue, fiscal 20255
$109.6MNet income, fiscal 20255
1989Founded1

Compare with SUBURBAN PROPANE PARTNERS LP, FirstCash or Savers Value Village, Inc., or pick any stock.

  • TickerEZPW on Nasdaq1
  • IndustryRetail-Miscellaneous Retail1
  • HeadquartersAustin1
  • Websitewww.ezcorp.com
  • Legal formDelaware corporation1
  • Incorporated inDE6
  • Business address2500 Bee Cave Road, Building 1, Suite 200, Rollingwood, Tx 787466
  • Filer categoryAccelerated filer6

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.3

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

58.5%Gross margin5
11.7%Operating margin5
8.6%Net margin5
9.7%Revenue growth, 20255
10.7%Return on equity5
0.51×Debt to equity5

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Merchandise brought in 55% of the revenue EZCorp broke down this way in fiscal 2025.

  1. Merchandise$701.0M555%up 6% from 2024
  2. Pawn Service$474.2M537%up 9% from 2024
  3. Jewelry Scrap$98.9M58%up 62% from 2024
  4. Product and Service, Other$169.0K50%down 29% from 2024
Products and services by year
Products and services202320242025
Merchandise$615.4M$663.7M$701.0M
Pawn Service$383.8M$436.5M$474.2M
Jewelry Scrap$49.5M$61.1M$98.9M
Product and Service, Other$295.0K$239.0K$169.0K

Business segments

U.S. Pawn brought in 72% of the revenue EZCorp broke down this way in fiscal 2025.

  1. U.S. Pawn$912.5M572%up 9% from 2024
  2. Latin America Pawn$361.8M528%up 11% from 2024
Business segments by year
Business segments202320242025
U.S. Pawn$761.9M$836.1M$912.5M
Latin America Pawn$287.1M$325.5M$361.8M

Regions

United States brought in 72% of the revenue EZCorp broke down this way in fiscal 2025.

  1. United States$912.5M572%up 9% from 2024
  2. Mexico$267.3M521%up 8% from 2024
  3. Latin America$94.5M57%up 21% from 2024
Regions by year
Regions202320242025
United States$761.9M$836.1M$912.5M
Mexico$223.8M$247.6M$267.3M
Latin America$63.3M$77.9M$94.5M

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Other costs88¢$1.1B
  • Income tax3¢$37.2M
  • Profit9¢$109.6M

Out of $1.3B in revenue.5

Where each dollar of operating cash went, fiscal 2025

  • Share buybacks5¢$7.0M
  • Kept or used elsewhere95¢$142.0M

Out of $149.0M of cash from operations.5

Financial statements

Revenue891011125$1.3B in 2025+57% since 2018
0$500.0M$1.0B$1.5B2018: $812.2M$812.2M20182019: $847.2M$847.2M2019+4%2020: $822.8M$822.8M2020−3%2021: $729.6M$729.6M2021−11%2022: $886.2M$886.2M2022+21%2023: $1.0B$1.0B2023+18%2024: $1.2B$1.2B2024+11%2025: $1.3B$1.3B2025+10%
Gross profit891011125$746.1M in 2025+55% since 2018
0$200.0M$400.0M$600.0M$800.0M2018: $481.6M$481.6M20182019: $494.4M$494.4M2019+3%2020: $449.2M$449.2M2020−9%2021: $449.5M$449.5M2021+0%2022: $528.1M$528.1M2022+18%2023: $609.8M$609.8M2023+15%2024: $682.3M$682.3M2024+12%2025: $746.1M$746.1M2025+9%
Operating income891011125$149.2M in 2025+122% since 2018
-$50.0M0$50.0M$100.0M$150.0M2018: $67.1M$67.1M20182019: $47.0M$47.0M2019−30%2020: -$48.4M-$48.4M20202021: $31.2M$31.2M20212022: $74.9M$74.9M2022+140%2023: $92.2M$92.2M2023+23%2024: $112.5M$112.5M2024+22%2025: $149.2M$149.2M2025+33%
Net income891011125$109.6M in 2025+194% since 2018
-$100.0M-$50.0M0$50.0M$100.0M$150.0M2018: $37.3M$37.3M20182019: $2.5M$2.5M2019−93%2020: -$68.5M-$68.5M20202021: $8.6M$8.6M20212022: $50.2M$50.2M2022+482%2023: $38.5M$38.5M2023−23%2024: $83.1M$83.1M2024+116%2025: $109.6M$109.6M2025+32%

Every line of the income statement as filed: the last 3 fiscal years, latest first.5

Period ending2025-09-302024-09-302023-09-30
Total revenues$1.3B$1.2B$1.0B
Gross profit$746.1M$682.3M$609.8M
Store expenses$481.1M$461.1M$418.6M
General and administrative$83.5M$75.6M$67.5M
Impairment of other assets$877.0K$843.0K$4.3M
Depreciation and amortization$32.5M$33.1M$32.1M
Loss (gain) on sale or disposal of assets and other$135.0K-$16.0K$208.0K
Other operating income-$1.3M-$765.0K-$5.1M
Total operating expenses$596.9M$569.7M$517.7M
Operating income$149.2M$112.5M$92.2M
Interest expense$23.0M$13.6M$16.5M
Interest income-$14.7M-$10.6M-$7.5M
Equity in net (income) loss of unconsolidated affiliates-$6.2M-$4.7M$28.5M
Other (income) expense$238.0K-$1.4M$3.1M
Income before income taxes$146.8M$115.6M$51.6M
Income tax expense$37.2M$32.5M$13.2M
Net income$109.6M$83.1M$38.5M
Basic earnings per share (in dollars per share)$1.91$1.51$0.69
Diluted earnings per share (in dollars per share)$1.42$1.10$0.53
Weighted-average basic shares outstanding (in shares)57.5M shares54.9M shares55.6M shares
Weighted-average diluted shares outstanding (in shares)83.4M shares84.4M shares80.9M shares

Compare EZCorp with another company

The story

The company was founded in 1989. In 1994, the company had grown to operate 234 pawn shops in nine states. The company expanded its business to offer payday loan services in its EZPAWN locations in 2001. The first stand-alone payday loan stores were opened and branded EZMONEY in 2003. EZCORP then entered into international markets. EZPAWN opened 4 new stores along the Texas/Mexico border and acquired 20 stores in the interior of Mexico, which were branded Empeño Fácil in 2007. In late 2008 EZCORP purchased the Las Vegas based loan providers, Pawn Plus and ASAP Pawn. In 2009, EZCORP expanded to Canada, operating under the name CashMax.

The company also acquired 30% interest in Cash Converters International in November 2009. The company reports it acquired Value Financial Services in January 2009. In 2010, EZCORP increased interest in Cash Converters International to 33%. The company was also listed on Fortune Magazine's 100 Fastest Growing Companies for 2010. EZCORP acquired the Cash Converters master franchise rights in Canada in 2011. In 2012, EZCORP acquired a controlling interest in Grupo Finmart, a specialty consumer finance company headquartered in Mexico City and operating under the name "Crediamigo"; and TUYO, a company headquartered in Mexico City that owns and operates buy/sell stores in Mexico City and the surrounding metropolitan area.

In 2015, EZCORP acquired USA Pawn & Jewelry, which operated in Arizona and Oregon.

As per the company's website, effective July 29, 2015, EZCORP, Inc. announced the closure of its U.S. Financial Services business which offered payday loans, auto title loans, installment loans and lines of credit. All stores are now closed.

From Wikipedia’s article on EZCorp, shared under CC BY-SA 4.0.7

Leadership

Who has led EZCorp, and when. Pick a name to see everywhere that person has worked.

Board members and other officers (62)

Products and brands

  • pawnbroker

Listed on Wikidata.1

Subsidiaries and ownership

Subsidiaries

From Wikidata.1

Timeline

  1. Mar 8, 2022New chief executive Lachlan P. Given becomes CEO17
  2. Aug 5, 2020New chief executive Jason A. Kulas becomes CEO18
  3. Feb 3, 2016New chief executive Stuart Grimshaw becomes CEO19
  4. Feb 3, 2014New chief executive Paul Rothamel becomes CEO20
  5. 1989Founded Founded1

Filings

265 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 45 major events, 158 insider forms, 14 large holders, 28 other. The latest 20:

  1. Sep 23, 20263 EDGAR
  2. Aug 25, 20264 EDGAR
  3. Aug 24, 2026144 EDGAR
  4. Aug 6, 2026SCHEDULE 13G/A EDGAR
  5. Aug 5, 20268-K EDGAR
  6. Aug 5, 202610-Q EDGAR
  7. Jul 31, 2026SCHEDULE 13G EDGAR
  8. Jul 9, 20264 EDGAR
  9. Jun 8, 20264 EDGAR
  10. Jun 5, 2026144 EDGAR
  11. Jun 4, 2026144 EDGAR
  12. May 21, 20264 EDGAR
  13. May 18, 2026144 EDGAR
  14. May 18, 20268-K EDGAR
  15. May 13, 20264 EDGAR
  16. May 12, 2026144 EDGAR
  17. May 6, 20268-K EDGAR
  18. May 6, 202610-Q EDGAR
  19. Mar 30, 20264/A EDGAR
  20. Mar 30, 20264 EDGAR

The 265 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last three years, summarized. The full record is on SEC EDGAR.

Insider trades and holders

Large holders

Investors who own more than 5% must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively. 14 such filings since October 2021, the latest 10:

  1. Aug 6, 2026SCHEDULE 13G/A
  2. Jul 31, 2026SCHEDULE 13G
  3. Mar 26, 2026SCHEDULE 13G/A
  4. Mar 6, 2026SCHEDULE 13G/A
  5. Feb 5, 2026SCHEDULE 13G
  6. Nov 14, 2024SCHEDULE 13G
  7. Feb 14, 2024SC 13G/A
  8. Feb 13, 2024SC 13G/A
  9. Feb 12, 2024SC 13G/A
  10. Feb 15, 2023SC 13G/A

From Forms 4 and Schedules 13D and 13G filed with the SEC.

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Fmr LLC8,283,627$286.4M0.0%+1,541,317
BlackRock, Inc.6,812,555$235.5M0.0%−230,640
Capital Research Global Investors3,527,021$121.9M0.0%+14,310
Dimensional Fund Advisors LP3,064,188$105.9M0.0%−361,601
Vanguard Capital Management LLC2,503,906$86.6M0.0%+43,904
Two Sigma Investments, LP2,496,332$86.3M0.1%−25,863
Renaissance Technologies LLC2,002,266$69.2M0.1%−155,100
UBS Group AG1,906,747$65.9M0.0%−5,080
Morgan Stanley1,538,587$53.2M0.0%+273,323
Ophir Asset Management Pty Ltd1,489,613$51.5M4.2%−126,905
Atlas FRM LLC1,450,000$50.1M2.1%No change
State Street Corp1,348,561$46.6M0.0%+59,101
Goldman Sachs Group Inc1,317,668$45.6M0.0%−153,040
Invesco Ltd.1,184,767$41.0M0.0%+26,679
Bnp Paribas Financial Markets1,056,060$36.5M0.0%−5,229
Capital World Investors1,051,408$36.3M0.0%New
Stephens Investment Management Group LLC1,038,856$35.9M0.4%−395,598
Geode Capital Management, LLC1,032,142$35.7M0.0%+4,385
Qube Research & Technologies Ltd966,840$33.4M0.0%−400,021
Royce & Associates LP851,915$29.5M0.2%+267,869
Jupiter Topco LLC823,136$28.5M0.0%New
Jpmorgan Chase & Co824,019$27.5M0.0%+382,690
Vanguard Portfolio Management LLC723,232$25.0M0.0%+1,399
Silvercrest Asset Management Group LLC712,696$24.6M0.2%−76,253
Heartland Advisors Inc705,906$24.4M1.1%No change

13F reports cover disclosed long positions in U.S. stocks only.

Sources

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