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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.
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
Latin America Pawn Revenue
CapyFin.com 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