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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

Aug 5, 2026 (In 6 days)
Revenue estimate$425.8M
EPS estimate$0.39

Financials

Q4 2025

Income statement

See full
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
See full
Market cap$1.16B+88.9%
Enterprise value$1.44B+43.6%
P/E10.6×+3.2×
P/S0.9×+0.4×

Profitability

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

Returns & leverage

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

Versus estimates

Revenue

Q2 2026$446.9MBeat by $56.2MQ1 2026$382.0MBeat by $20.8M
Q4 2025$336.8MMiss by $11.1M
Q3 2025$311.0MMiss by $13.9MQ2 2025$306.3MBeat by $4.8MQ1 2025$320.2MMiss by $2.7M

Diluted EPS

Q2 2026$0.58Beat by $0.22Q1 2026$0.55Beat by $0.15
Q4 2025$0.34Beat by $0.05
Q3 2025$0.33Beat by $0.10Q2 2025$0.34Beat by $0.02Q1 2025$0.42Beat by $0.07

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Questions, answered.

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.