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Ezcorp EZPW Latin America Pawn — Store expenses

Other segment segments

U.S. Pawn
$88.03M+7.6%
Latin American Pawn Segment
$39.61M+34.5%

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Other financials

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

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Market cap$1.79B+91.7%
Enterprise value$2.28B+88.1%
P/E11.3×+1.8×
P/S1.1×+0.4×

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×

Where this comes from

Reported directly by Ezcorp in its filing.

Tagged under the XBRL concept us-gaap:OperatingCostsAndExpenses.

The source filing: Ezcorp’s 10-K, filed November 13, 2025.

Filed
Nov 13, 2025
Fiscal year
FY2025
Accession
0000876523-25-000094
(in thousands)U.S. PawnLatin America PawnOther InvestmentsTotal SegmentsCorporate ItemsConsolidated
Jewelry scrap cost of goods sold62,7469,79272,53872,538
Gross profit550,639195,426746,065746,065
Segment and corporate expenses (income):
Store expenses339,378141,730481,108481,108
General and administrative83,50083,500
Impairment of other assets263263614877
Depreciation and amortization10,7508,61219,36213,17632,538
Loss (gain) on sale or disposal of assets and other8352135135

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Ezcorp's latin america pawn — store expenses?
Ezcorp (EZPW) reported latin america pawn — store expenses of $35.43M in Q3 2025.
How has Ezcorp's latin america pawn — store expenses changed year-over-year?
Ezcorp's latin america pawn — store expenses increased by 4.8% year-over-year, from $33.81M to $35.43M.
What is the long-term trend for Ezcorp's latin america pawn — store expenses?
Over 4 years (2021 to 2025), Ezcorp's latin america pawn — store expenses has grown at a 16.3% compound annual growth rate (CAGR), from $77.49M to $141.73M.
What does latin america pawn — store expenses mean?
Represents the total operating costs directly associated with running pawn shop locations within the Latin American segment. This includes payroll, rent, utilities, and other localized overhead necessary to maintain daily retail and lending operations. Monitoring this metric helps assess the operational efficiency and cost structure of the regional store footprint.

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