Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $731M | $748M | $812M | $847M | $823M | $730M | $886M | $1.05B | $1.16B | $1.27B |
| Revenue growth | — | 2.4% | 8.6% | 4.3% | -2.9% | -11.3% | 21.5% | 18.4% | 10.7% | 9.7% |
| Gross profit | $428M | $436M | $482M | $494M | $449M | $449M | $528M | $610M | $682M | $746M |
| Gross margin | 58.6% | 58.2% | 59.3% | 58.4% | 54.6% | 61.6% | 59.6% | 58.1% | 58.7% | 58.5% |
| Operating income | $29.2M | $53.0M | $67.1M | $47.0M | -$48.4M | $31.2M | $74.9M | $92.2M | $113M | $149M |
| Operating margin | 4.0% | 7.1% | 8.3% | 5.5% | -5.9% | 4.3% | 8.5% | 8.8% | 9.7% | 11.7% |
| Net income | -$80.7M | $31.4M | $37.3M | $2.54M | -$68.5M | $8.61M | $50.2M | $38.5M | $83.1M | $110M |
| Net margin | -11.1% | 4.2% | 4.6% | 0.3% | -8.3% | 1.2% | 5.7% | 3.7% | 7.2% | 8.6% |
| EPS (diluted) | -$1.49 | $0.58 | $0.64 | $0.05 | -$1.24 | $0.15 | $0.70 | $0.53 | $1.10 | $1.42 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $68.1M | $50.7M | $89.0M | $104M | $49.1M | $46.4M | $66.5M | $102M | $114M | $149M |
| Capital expenditures | $13.3M | $25.0M | $40.5M | $38.8M | $28.5M | $23.6M | $31.9M | $40.4M | $35.8M | $38.6M |
| Free cash flow | $54.9M | $25.7M | $48.5M | $64.7M | $20.6M | $22.8M | $34.6M | $61.4M | $77.8M | $110M |
| Share buybacks | $11.8M | $0.00 | $0.00 | $0.00 | $5.16M | $0.00 | $2.04M | $17.0M | $12.0M | $7.00M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $65.7M | $113M | $285M | $158M | $305M | $254M | $206M | $221M | $171M | $470M |
| Total assets | $983M | $1.02B | $1.24B | $1.08B | $1.20B | $1.27B | $1.35B | $1.47B | $1.49B | $1.95B |
| Total liabilities | $389M | $364M | $502M | $339M | $548M | $595M | $656M | $722M | $689M | $926M |
| Long-term debt | $284M | $285M | $227M | $238M | $251M | $264M | $313M | $326M | $224M | $518M |
| Shareholders' equity | $591M | $656M | $739M | $745M | $649M | $672M | $692M | $746M | $805M | $1.03B |
| Retained earnings | $320M | $361M | $387M | $389M | $318M | $353M | $402M | $431M | $507M | $613M |
| Shares (wtd avg diluted) | 54.4M | 54.4M | 57.9M | 56.0M | 55.3M | 55.9M | 82.4M | 80.9M | 84.4M | 83.4M |
Every figure is extracted from EZCORP INC’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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