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Dec 31, 2024
EZCORP Q1 2025 Earnings Report
EZCORP's financial performance for the first fiscal quarter of 2025 was summarized, highlighting key operational and financial metrics.
Key Takeaways
EZCORP reported a net income of $31.016 million for the three months ended December 31, 2024, an increase of 9% compared to the same period last year. Total revenues reached $320.170 million, up from $299.991 million in the prior year. Basic earnings per share were $0.57, and diluted earnings per share were $0.40.
Net income increased by 9% to $31.016 million.
Total revenues grew by 7% to $320.170 million.
Gross profit increased by 7% to $185.404 million.
Operating income increased by 13% to $41.941 million.
EZCORP
EZCORP
EZCORP Revenue by Segment
EZCORP Revenue by Geographic Location
Revenue by Segment
U.S. Pawn Revenue
CapyFin.comLatin America Pawn Revenue
CapyFin.comRevenue by Geographic Location
U.S. Pawn Revenue
CapyFin.comLatin America Pawn Revenue
CapyFin.com Forward Guidance
The company anticipates that cash flows from operations and cash on hand will be sufficient to fund ongoing operations, current debt service requirements, tax payments, future stock repurchases, strategic investments, contractual obligations, planned de novo store growth, capital expenditures, and working capital requirements through the next twelve months. They continue to explore acquisition opportunities and may pursue additional debt, equity, or equity-linked financings if needed.
Positive Outlook
- Anticipated adequate cash flows from operations and cash on hand to fund ongoing operations.
- Sufficient funds for current debt service requirements and tax payments.
- Ability to fund future stock repurchases and strategic investments.
- Capacity to support planned de novo store growth and capital expenditures.
- Adequate working capital for the next twelve months.
Challenges Ahead
- Potential need for additional debt, equity, or equity-linked financings depending on acquisition activity.
- Ability to repay longer-term debt obligations may require refinancing.
- The timing and amount of purchases under the stock repurchase program are dependent on various factors, including market conditions and liquidity.
- The success of opening new stores and acquisitions is dependent on achieving internal investment hurdles and availability of acceptable sites.
- Regulatory environment and local zoning ordinances could impact growth plans.
Revenue & Expenses
Visualization of income flow from segment revenue to net income