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Ezcorp EZPW Q4 2025 Annual earnings

Reported November 13, 2025 · After market close

Revenue$336.8MMiss by $11.1M
EPS$0.34Beat by $0.05
Revenue estimate$348.0M
EPS estimate$0.29

Next report

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

Financials

Q4 2025

Income statement

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Revenue$336.8M+14.3%
Gross profit$198.6M+13.2%
Operating income$37.0M+42.2%
Net income$26.7M+75.7%
EPS (diluted)$0.34+61.9%

Balance sheet

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Cash & equivalents$484.7M+170%
Total debt$765.3M+34.6%
Total equity$1.0B+27.5%
Total assets$2.0B+30.7%

Cash flow

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Operating cash flow$51.3M+18.3%
CapEx$15.5M-17.9%
Free cash flow$35.7M+46.2%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$1.16B+88.9%
Enterprise value$1.44B+43.6%
P/E10.6×+3.2×
P/S0.9×+0.4×

Profitability

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Gross margin58.5%-0.2pp
Operating margin11.7%+2.0pp
Net margin8.6%+1.4pp
FCF margin8.7%+2.0pp

Returns & leverage

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Return on equity12%+1.3pp
Debt / equity0.7×0.0×
Current ratio5.6×+2.9×

Segments

By product

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Merchandise sales$176.6M+9.3%
Pawn service charges$126.0M+9.4%
Jewelry scrap sales$34.2M—

By segment

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Latin America Pawn$90.4M+11.2%

FAQ

When did Ezcorp report Q4 2025 earnings?
Ezcorp (EZPW) reported Q4 2025 earnings on November 13, 2025 after market close.
What were Ezcorp's Q4 2025 revenue and EPS?
Ezcorp reported revenue of $336.8M and eps of $0.34 for Q4 2025.
Did Ezcorp beat estimates in Q4 2025?
Revenue missed the consensus estimate of $348.0M by $11.1M. EPS beat the consensus estimate of $0.29 by $0.05.
How did Ezcorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 14.3% from $294.6M a year earlier and eps grew 30.8% from $0.26.
Where can I find Ezcorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000876523-25-000095) and the 10-K periodic report (0000876523-25-000094) directly on SEC EDGAR. The filing index links above go to sec.gov.