What is Ezcorp's pawn stores — pawn loans?

Ezcorp (EZPW) reported pawn stores — pawn loans of $117.9M in Q3 2025.

How has Ezcorp's pawn stores — pawn loans changed year-over-year?

Ezcorp's pawn stores — pawn loans increased by 9.7% year-over-year, from $107.5M to $117.9M.

What does pawn stores — pawn loans mean?

This metric represents the total dollar value of outstanding pawn loans held by a specific geographic segment. It serves as a primary indicator of the scale of lending activity and the volume of collateralized credit extended to customers within that region.

Ezcorp EZPW Pawn Stores — Pawn loans

Other geography segments

Pawn Stores Florida

$31.6M+10.5%

Similar metrics at other companies

FCF

FCFSPawn loans

$831.5M+60.6%

FCF

FCFSNet loans

$115.85M+58.0%

USBPayment Services — Loans

$44B+5.8%

AMPPacific — Loans

$684M+6.5%

BKSecurities lending:

$15.46B+146%

WFCNet loans

$1T+11.5%

Other financials

Income statement

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Revenue$446.9M+45.9%

Gross profit$260.0M+45.7%

Operating income$67.8M+98.1%

Net income$49.1M+93.4%

EPS (diluted)$0.61+84.8%

Balance sheet

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Cash & equivalents$370.1M-28.1%

Total debt$800.2M-7.3%

Total equity$1.1B+31.5%

Total assets$2.1B+16.2%

Cash flow

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Operating cash flow$48.5M+31.2%

CapEx$10.5M+25.1%

Free cash flow$38.0M+33.0%

Valuation

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Market cap$2B+93.6%

Enterprise value$2.43B+72.4%

P/E13.6×+2.1×

P/S1.4×+0.5×

Profitability

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Gross margin58.6%-0.1pp

Operating margin13.6%+3.3pp

Net margin9.9%+2.5pp

FCF margin8.9%+0.2pp

Returns & leverage

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Return on equity14.9%+4.0pp

Debt / equity0.7×-0.3×

Current ratio4.7×+0.7×

Where this comes from

Reported directly by Ezcorp in its filing.

Tagged under the XBRL concept ezpw:PawnLoans.

The official record: Ezcorp’s 10-K, filed November 13, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is Ezcorp's pawn stores — pawn loans?: Ezcorp (EZPW) reported pawn stores — pawn loans of $117.9M in Q3 2025.
How has Ezcorp's pawn stores — pawn loans changed year-over-year?: Ezcorp's pawn stores — pawn loans increased by 9.7% year-over-year, from $107.5M to $117.9M.
What does pawn stores — pawn loans mean?: This metric represents the total dollar value of outstanding pawn loans held by a specific geographic segment. It serves as a primary indicator of the scale of lending activity and the volume of collateralized credit extended to customers within that region.