EZCORP INC
EZPWNasdaqConsumer Discretionary · Retail-Miscellaneous Retail · DE · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $1.27B | $1.16B | $1.05B | $886.2M | $729.6M | $822.8M |
| Operating income | $149.2M | $112.5M | $92.2M | $74.9M | $31.2M | −$48.4M |
| Net income | $109.6M | $83.1M | $38.5M | $50.2M | $8.6M | −$68.5M |
| Total assets | $1.95B | $1.49B | $1.47B | $1.35B | $1.27B | $1.20B |
| Total liabilities | $925.7M | $688.7M | $721.9M | $655.6M | $594.7M | $547.9M |
| Equity | $1.03B | $804.6M | $745.8M | $692.2M | $672.2M | $649.1M |
| EPS (diluted) | $1.42 | $1.10 | $0.53 | $0.70 | $0.15 | $-1.24 |
| Shares out. | 83.4M | 84.4M | 80.9M | 82.4M | 55.9M | 55.3M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- 11.7%
- Net margin
- 8.6%
- Return on equity
- 10.7%
- Return on assets
- 5.6%
- Return on capital (ROCE)
- 8.5%
- Liabilities / assets
- 47.4%
- Debt / equity
- 0.90×
- Book value / share
- $12.30
- Revenue growth (YoY)
- 9.7%
- Net income growth (YoY)
- 31.9%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Altman Z″ (distress)
- 5.81safe
- Accruals / assets
- −2.0%clean
- Piotroski F-Score
- 7/9strong
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 6 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- Operating margin is positive
- Revenue is growing year-over-year
- Conservative leverage (liabilities < 50% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
- Altman Z″ in the safe zone
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Kmissed a reporting deadline ↗Dec 15, 2015
- NT 10-Qmissed a reporting deadline ↗Aug 11, 2015
- NT 10-Qmissed a reporting deadline ↗May 12, 2015
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Vanguard Group IncPassive (13G)Mar 26, 2026
- Fmr LlcPassive (13G)Mar 6, 2026
- Lazard Asset Management LlcPassive (13G)Nov 14, 2024
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Appel Matthew WDirector | May 20, 2026 | Sell | 15,037 | $33.25 |
| Kulas Jason A.Director | May 12, 2026 | Sell | 20,000 | $33.56 |
| Tillett GaryDirector | Mar 26, 2026 | Grant | 6,641 | $25.60 |
| Arnold Zena SrivatsaDirector | Mar 26, 2026 | Grant | 6,641 | $25.60 |
| Appel Matthew WDirector | Mar 26, 2026 | Grant | 6,641 | $25.60 |
| Espinosa Pablo LagosDirector | Mar 26, 2026 | Grant | 6,641 | $25.60 |
| Kulas Jason A.Director | Mar 26, 2026 | Grant | 6,641 | $25.60 |
| Sajnani SunilOfficer — Chief Audit/LP Executive | Mar 2, 2026 | Sell | 18,353 | $26.76 |
| Tillett GaryDirector | Feb 23, 2026 | Sell | 10,000 | $25.50 |
| Espinosa Pablo LagosDirector | Feb 19, 2026 | Sell | 20,000 | $25.00 |
| Swies NicoleOfficer — Chief Revenue Officer | Feb 17, 2026 | Sell | 24,138 | $24.75 |
| Tillett GaryDirector | Feb 18, 2026 | Sell | 10,000 | $25.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 10.6M | 13.8 | +2.2% |
| Apr 30, 2026 | 10.3M | 16.3 | -1.0% |
| Apr 15, 2026 | 10.4M | 12.6 | +2.1% |
| Mar 31, 2026 | 10.2M | 13.5 | -15.6% |
| Mar 13, 2026 | 12.1M | 14.6 | -1.5% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Other material eventMay 18, 2026
- Results of operations · Regulation FD disclosureMay 6, 2026
- Shareholder vote · Regulation FD disclosureMar 27, 2026
- Results of operations · Regulation FD disclosureFeb 4, 2026
- Regulation FD disclosureJan 5, 2026
- Results of operations · Regulation FD disclosureNov 13, 2025
- Results of operations · Regulation FD disclosureJul 30, 2025
- Regulation FD disclosureJun 18, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.