EZPW FINANCIAL STATEMENTS

EZCORP Inc — balance sheet, income statement and cash flow trends

EZPWEZCORP Inc

🇺🇸 USA · NASDAQ · Financial Services · Credit Services

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue1.5 B $+22.8%

Gross Profit855.6 M $+21.2%

Operating Income201.4 M $+62.0%

EBITDA256.6 M $+50.2%

Net Income146.6 M $+63.7%

Peer Comparison· Credit Services

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
EZPW	—	—	—	9.9%
ZIP	—	—	—	8.9%
QNBFK	—	—	—	—
KTLEV	—	—	—	—
GSY	—	—	—	-15.8%
DSTKF	—	—	—	—
Industry median	—	—	—	10.0%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity1.1 B $53%
Current Liabilities231.7 M $11%
Long-term Liabilities753.1 M $36%

Key Figures

YoY change

Total Assets2.1 B $+16.2%

Total Liabilities984.8 M $+0.7%

Total Equity1.1 B $+31.5%

Cash & ST Investments354.2 M $-29.9%

Total Debt799 M $-7.3%

Net Debt444.8 M $+24.6%

Peer Comparison· Credit Services

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
EZPW	4.71	71.3%	1.73	52.7%
ZIP	788.09	383.4%	11.13	16.7%
QNBFK	—	0.0%	—	—
KTLEV	—	0.0%	—	—
GSY	—	599.1%	5.42	13.8%
DSTKF	—	0.0%	—	—
Industry median	1.20	116.1%	2.39	16.4%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
EZPW	4.71	71.3%	1.73	52.7%
UPST	4.03	269.8%	14.24	24.8%
AGM	0.21	2,010.0%	122.35	4.7%
WU	1.02	288.1%	-0.34	11.2%
ECPG	0.33	389.8%	5.42	19.0%
BFH	0.26	118.5%	0.41	14.9%
Industry median	1.20	116.1%	2.39	16.4%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow173.7 M $+22.5%

Capital Expenditures42.5 M $+17.8%

Free Cash Flow131.2 M $+24.1%

Dividends Paid3.5 M $+85.2%

Peer Comparison· Credit Services

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
EZPW	11.8%	8.9%	2.9%	118.5%
ZIP	-0.7%	-0.8%	0.1%	-8.1%
QNBFK	—	—	—	—
KTLEV	—	—	—	—
GSY	26.0%	-1.5%	1.5%	-165.1%
DSTKF	—	—	—	—
Industry median	21.2%	17.3%	1.5%	126.3%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
EZPW	11.8%	8.9%	2.9%	118.5%
UPST	-23.0%	-24.7%	1.7%	-541.5%
AGM	16.4%	16.4%	0.0%	102.3%
WU	12.5%	8.2%	4.3%	114.5%
ECPG	10.3%	9.0%	1.3%	64.2%
BFH	46.4%	46.2%	0.7%	389.7%
Industry median	21.2%	17.3%	1.5%	126.3%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.