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Sep 30, 2021
EZCORP Q4 2021 Earnings Report
EZCORP's financial performance improved driven by strategic initiatives and strong execution.
Key Takeaways
EZCORP reported a strong fourth quarter with significant improvements in key financial metrics. Pawn Loans Outstanding increased 34%, total revenue rose by 15%, and net revenue increased by 33%. Diluted earnings per share was $0.03, compared to a diluted loss per share of $0.42, and on an adjusted basis, diluted earnings per share was $0.11, compared to diluted earnings per share of $0.08.
Pawn Loans Outstanding (PLO) increased by 34% year-over-year and 12% compared to the third quarter.
Total revenue increased by 15%, and net revenue increased by 33%.
Merchandise sales gross profit margin improved to 41% from 31%.
Diluted earnings per share was $0.03, compared to a diluted loss per share of $0.42; adjusted diluted earnings per share was $0.11, compared to $0.08.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Looking ahead toward fiscal 2022, EZCORP remains committed to maintaining operating excellence, a strong balance sheet, and cost discipline while pursuing sustainable growth. The company will focus on customers and team members, striving to be the first and best choice for short-term cash needs and affordable pre-owned goods. Enhanced training and diversity and inclusion programs are in place to help develop team members and improve productivity and retention.
Positive Outlook
- Maintaining operating excellence
- Maintaining a strong balance sheet
- Cost discipline
- Pursuing sustainable growth
- Focus on customers and team members
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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