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Ezcorp EZPW Q3 2026 earnings

Reported August 5, 2026 · After market close

Revenue$418.7MMiss by $7.1M
EPS$0.47Beat by $0.06
Revenue estimate$425.8M
EPS estimate$0.41
“This was another outstanding quarter for EZCORP, one of the strongest in our history. PLO reached a new high of $387.2 million, adjusted EBITDA increased 48%, and diluted EPS rose 41%. The gains were well balanced in all of our geographies across lending, merchandise sales and margin, gold scrap and profitability. Importantly, excluding scrap, gross profit increased 32%, underscoring the depth, durability and trajectory of our business.”
Lachie Given

Next report

Nov 18, 2026 (in 2 months)
Revenue estimate$425.7M
EPS estimate$0.40

Financials

Q3 2026

Income statement

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Revenue$418.7M+34.7%
Gross profit$246.2M+34.1%
Operating income$54.8M+52.3%
Net income$38.2M+44.1%
EPS (diluted)$0.48+41.2%

Balance sheet

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Cash & equivalents$326.7M-32.9%
Total debt$812.6M+6.4%
Total equity$1.2B+17.6%
Total assets$2.2B+15.0%

Cash flow

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Operating cash flow$42.8M+22.9%
CapEx$9.9M+8.9%
Free cash flow$32.9M+27.9%

Valuation & ratios

Valuation

as of 09/17/26
See full
Market cap$1.86B+81.7%
Enterprise value$2.35B+80.5%
P/E11.8×+1.3×
P/S1.2×+0.3×

Profitability

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Gross margin58.6%-0.1pp
Operating margin13.9%+2.7pp
Net margin10%+2.0pp
FCF margin8.7%+0.7pp

Returns & leverage

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Return on equity14.7%+3.7pp
Debt / equity0.7×-0.1×
Current ratio4.8×-1.5×

Segments

By product

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Merchandise sales$209.7M+24.3%
Pawn service charges$152.5M+32.2%
Jewelry scrap sales$56.6M—

By segment

See full
U.S. Pawn$251.2M+14.2%

FAQ

When did Ezcorp report Q3 2026 earnings?
Ezcorp (EZPW) reported Q3 2026 earnings on August 5, 2026 after market close.
What were Ezcorp's Q3 2026 revenue and EPS?
Ezcorp reported revenue of $418.7M and eps of $0.47 for Q3 2026.
Did Ezcorp beat estimates in Q3 2026?
Revenue missed the consensus estimate of $425.8M by $7.1M. EPS beat the consensus estimate of $0.41 by $0.06.
How did Ezcorp's Q3 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 34.7% from $311.0M a year earlier and eps grew 42.4% from $0.33.
Where can I find Ezcorp's Q3 2026 SEC filings?
You can read the 8-K earnings release (0000876523-26-000064) and the 10-Q periodic report (0000876523-26-000063) directly on SEC EDGAR. The filing index links above go to sec.gov.