EZCORP, Inc. (EZPW) Income Statement
EZPW FY2025 at a glance
Fiscal year ended September 30, 2025 · U.S. dollarsEZPW revenue and net income
Where EZPW's revenue goes
FY2025Each bar shows an amount and its share of revenue. EZPW kept 8.6% of revenue as net income.
EZPW profit margins
EZPW growth rates
to FY2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +9.7% | +12.9% | +9.1% | +5.9% |
| Gross profit | +9.3% | +12.2% | +10.7% | +6.4% |
| Operating income | +32.6% | +25.8% | — | — |
| Net income | +31.9% | +29.8% | — | — |
| EPS (diluted) | +26.5% | +24.0% | +29.7% | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
EZPW quarterly EPS vs estimates
EZCORP beat the analyst EPS estimate in 8 of the last 8 quarters. Next report: November 12, 2026 (estimate $0.40).
EZPW income statement
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.27B | $1.16B | $1.05B | $886.2M | $729.6M | $822.8M | $847.2M | $812.2M | $748.0M | $730.5M |
| Cost of revenue | $528.2M | $479.3M | $439.2M | $358.1M | $280.1M | $373.6M | $352.8M | $330.6M | $312.4M | $302.3M |
| Gross profit | $746.1M | $682.3M | $609.8M | $528.1M | $449.5M | $449.2M | $494.4M | $481.6M | $435.5M | $428.2M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $83.5M | $75.6M | $486.1M | $64.3M | $56.5M | $54.1M | $63.7M | $53.6M | $55.4M | $70.2M |
| Total operating expenses | $596.9M | $569.7M | $517.7M | $453.2M | $418.3M | $497.6M | $447.4M | $414.4M | $382.5M | $399.1M |
| Operating income | $149.2M | $112.5M | $92.2M | $74.9M | $31.2M | −$48.4M | $47.0M | $67.1M | $53.0M | $29.2M |
| Interest income | $14.7M | $10.6M | $7.5M | $817,000 | $2.5M | $3.2M | $11.1M | $17.0M | $12.1M | $81,000 |
| Interest expense | $23.0M | $13.6M | $16.5M | $10.0M | $22.2M | $22.5M | $32.6M | $27.8M | $27.8M | $16.5M |
| Income before taxes | $146.8M | $115.6M | $51.6M | $67.7M | $16.1M | −$70.1M | $4.2M | $55.5M | $42.7M | $363,000 |
| Income taxes | $37.2M | $32.5M | $13.2M | $17.6M | $7.5M | −$1.6M | $2.4M | $18.4M | $11.1M | $9.4M |
| Net income | $109.6M | $83.1M | $38.5M | $50.2M | $8.6M | −$68.5M | $2.5M | $37.3M | $31.4M | −$80.7M |
| EBITDA | $202.3M | $162.3M | $100.2M | $109.8M | $117.4M | $28.9M | $65.6M | $108.9M | $94.1M | $45.5M |
| EPS (diluted) | $1.43 | $1.13 | $0.94 | $0.75 | $0.38 | $0.39 | $0.90 | $0.79 | $0.64 | $0.02 |
| Gross margin | 58.5% | 58.7% | 58.1% | 59.6% | 61.6% | 54.6% | 58.4% | 59.3% | 58.2% | 58.6% |
| Operating margin | 11.7% | 9.7% | 8.8% | 8.5% | 4.3% | −5.9% | 5.5% | 8.3% | 7.1% | 4.0% |
| Net margin | 8.6% | 7.2% | 3.7% | 5.7% | 1.2% | −8.3% | 0.3% | 4.6% | 4.2% | −11.1% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $418.7M | $446.9M | $382.0M | $336.8M | $311.0M | $306.3M | $320.2M | $294.6M | $281.4M | $285.6M | $300.0M | $270.5M |
| Cost of revenue | $172.6M | $196.4M | $159.1M | $138.2M | $127.3M | $127.9M | $134.8M | $119.2M | $114.7M | $118.0M | $127.4M | $111.1M |
| Gross profit | $246.2M | $250.4M | $223.0M | $198.6M | $183.6M | $178.5M | $185.4M | $175.4M | $166.7M | $167.6M | $172.6M | $159.4M |
| Sales, general & admin | $34.0M | $34.5M | $26.7M | $23.4M | $21.8M | $19.6M | $18.7M | $20.7M | $136.4M | $18.3M | $127.1M | $18.6M |
| Total operating expenses | $191.4M | $182.6M | $162.4M | $161.6M | $147.6M | $144.2M | $143.5M | $149.4M | $144.6M | $140.3M | $135.5M | $142.8M |
| Operating income | $54.8M | $67.8M | $60.6M | $37.0M | $36.0M | $34.2M | $41.9M | $26.0M | $22.2M | $27.3M | $37.1M | $16.6M |
| Interest income | $2.8M | $2.6M | $4.8M | $5.3M | $5.4M | $1.9M | $2.1M | $2.1M | $2.9M | $2.9M | $2.6M | $2.3M |
| Interest expense | $8.4M | $8.4M | $8.2M | $8.1M | $8.5M | $3.3M | $3.1M | $3.2M | $3.5M | $3.4M | $3.4M | $3.5M |
| Income before taxes | $52.0M | $65.5M | $59.2M | $36.3M | $34.7M | $34.4M | $41.4M | $26.3M | $23.0M | $28.7M | $37.7M | $13.1M |
| Income taxes | $13.8M | $15.9M | $14.9M | $9.6M | $8.2M | $9.0M | $10.4M | $11.1M | $5.0M | $7.2M | $9.2M | $2.9M |
| Net income | $38.2M | $49.1M | $44.3M | $26.7M | $26.5M | $25.4M | $31.0M | $15.2M | $17.9M | $21.5M | $28.5M | $10.3M |
| EBITDA | $70.0M | $83.4M | $69.5M | $52.6M | $51.2M | $45.7M | $52.9M | $37.6M | $34.7M | $40.3M | $49.7M | $81.7M |
| EPS (diluted) | $0.47 | $0.58 | $0.55 | $0.34 | $0.33 | $0.34 | $0.42 | $0.26 | $0.23 | $0.28 | $0.36 | $0.23 |
| Gross margin | 58.8% | 56.0% | 58.4% | 59.0% | 59.1% | 58.3% | 57.9% | 59.5% | 59.2% | 58.7% | 57.5% | 58.9% |
| Operating margin | 13.1% | 15.2% | 15.9% | 11.0% | 11.6% | 11.2% | 13.1% | 8.8% | 7.9% | 9.6% | 12.4% | 6.1% |
| Net margin | 9.1% | 11.0% | 11.6% | 7.9% | 8.5% | 8.3% | 9.7% | 5.2% | 6.4% | 7.5% | 9.5% | 3.8% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in EZPW's financial statements (latest annual report filed November 13, 2025); data from EODHD. Sales, general & administrative expenses include sales and marketing.
EZPW financial results
In fiscal year 2025 (ended September 30, 2025), EZCORP reported revenue of $1.3 billion, up 9.7% from the year before. It had net income of $109.6 million (up 31.9%), a net profit margin of 8.6%. Diluted earnings per share came to $1.43. Over five years revenue grew at an average rate of 9.1% a year.
See the EZPW stock overview for the latest quote and news, or the EZPW chart for price history and technical indicators.
EZPW income statement FAQ
What is EZCORP's annual revenue?
EZCORP reported total revenue of $1.3 billion for fiscal year 2025, which ended on September 30, 2025. That was up 9.7% from $1.2 billion the previous year.
Is EZCORP profitable?
Yes. EZCORP reported net income of $109.6 million in fiscal 2025, a net profit margin of 8.6%; its operating margin was 11.7%.
What is EZCORP's gross margin?
EZCORP's gross margin was 58.5% in fiscal 2025: for every $100 of revenue, EZCORP kept $59 after the direct cost of its products and services.
How fast is EZCORP growing?
Revenue grew 9.1% a year on average over the last five fiscal years, from $822.8 million to $1.3 billion.
What are EZCORP's earnings per share?
EZCORP earned $1.43 per diluted share in fiscal 2025, compared with $1.13 a year earlier.
When will EZCORP report its next earnings?
EZCORP is expected to report results for the quarter ending September 30, 2026 on November 12, 2026.
When does EZCORP's fiscal year end?
EZCORP's fiscal year ends in September. The latest annual report covers the year ended September 30, 2025 and was filed on November 13, 2025.