10-Q · July 30, 2025
EZCORP reported a strong quarter: revenue of $310,981,000 (up $29,560,000 or 10.5% YoY and up ~$5,981,000 vs prior quarter) and diluted EPS of $0.34 (up $0.09 YoY and $0.01 vs prior quarter). Gross margin was ~59.1% and…
Earnings analysis · 10-Q
EZPW earnings analysis
Filed May 6, 2026 · Our reading of the company's report
The latest report
EZCORP reported a solid second quarter for fiscal 2026, with significant growth across key metrics. Revenue reached $395M, up 29% year-over-year, while diluted EPS surged to $0.61, reflecting an impressive increase of…
Read full summary
EZCORP reported a solid second quarter for fiscal 2026, with significant growth across key metrics. Revenue reached $395M, up 29% year-over-year, while diluted EPS surged to $0.61, reflecting an impressive increase of 84% compared to the prior year. Both U.S. and Latin American segments showed strong performance, driven by significant growth in jewelry scrap sales and pawn service charges.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $0.61
- Gross margin
- 59.5%
- Segment
- U.S. Pawn
- Segment
- Latin America Pawn
- Segment
- SMG
What stood out
-
Strong Revenue Growth
Revenue for Q2 2026 was $395M, up $89M or 29% YoY.
-
Significant EPS Increase
Diluted EPS rose to $0.61, up $0.28 or 84% compared to the prior year.
-
U.S. Pawn Segment Success
The U.S. Pawn segment's contribution increased by 59% to $78.1M.
-
Latin America Pawn Growth
Latin America Pawn segment revenues increased by 34% YoY, contributing $64M.
-
Improvement in Gross Margin
Gross margin increased to 59.5%, up from 57.9% in the same quarter last year.
-
Cash Flow Enhancement
Operating cash flow rose to $87.6M, up 39% from the previous year.
What to watch
-
High Interest Expense
Interest expenses surged by 155% year-over-year, totaling $8.35M.
-
Cybersecurity Risks with AI Integration
Usage of AI in operations raises potential cybersecurity exposure.
-
Increased Debt Obligations
Total debt increased significantly, potentially straining liquidity.
Management's outlook
Outlook deferred to earnings press release / call.
Earlier filings 4
10-Q · April 28, 2025
EZCORP reported Q2 revenue of $306,316 (in thousands), up versus the prior-year quarter, with operating income rising to $34,248 and diluted EPS of $0.33. The company generated strong operating cash flow for the six…
10-K · November 13, 2024
EZCORP describes a focused three‑pillar strategy: Strengthen the Core, Cost Efficiency & Simplification, and Innovate & Grow, supported by IT/data modernization, risk/compliance and ESG initiatives. Fiscal 2024 showed…
10-Q · July 31, 2024
EZCORP reported Q3 revenue of $281,421,000, up $25,609,000 (+10.0%) versus the prior-year quarter, with gross profit of $166,727,000 (gross margin ~59.3%). Operating income was $22,154,000 (operating margin ~7.9%),…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.