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Jun 30, 2025
EZCORP Q3 2025 Earnings Report
EZCORP reported strong third quarter fiscal 2025 results, driven by continued top-line momentum and exceptional earnings growth.
Key Takeaways
EZCORP delivered record Q3 revenue and achieved all-time high Pawn Loans Outstanding (PLO), reflecting strong demand for immediate cash solutions and secondhand goods. The company's disciplined execution and efficiency gains translated into significant earnings growth, with adjusted EBITDA increasing by 42% and diluted EPS growing by 36%. Strategic expansion, including 52 new stores, further contributed to the positive performance.
Total revenues increased 11% to $311.0 million, and gross profit increased 10% to $183.6 million.
Net income surged 48% to $26.5 million, with diluted earnings per share rising 36% to $0.34.
Pawn loans outstanding (PLO) grew 11% to $291.6 million, reaching an all-time high.
The company expanded its footprint by 52 stores, including 40 acquisitions in Mexico, demonstrating a focus on strategic growth.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
EZCORP is well-positioned for accelerated growth, both organically and through strategic acquisitions, supported by a strengthened balance sheet and compelling M&A prospects. The company remains focused on disciplined capital allocation, operational excellence, and delivering long-term shareholder value.
Positive Outlook
- Strengthened balance sheet with $472 million in liquidity enables funding of accelerated growth.
- Compelling pipeline of M&A prospects for attractive scale opportunities.
- Continued focus on strategic expansion to scale the business.
- Commitment to disciplined capital allocation.
- Emphasis on operational excellence to drive long-term value.
Challenges Ahead
- No specific negative forward guidance was provided in the report.
- No specific negative forward guidance was provided in the report.
- No specific negative forward guidance was provided in the report.
Revenue & Expenses
Visualization of income flow from segment revenue to net income
Historical Earnings Impact
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Avg. Return Before/After Earnings
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