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Purpose, Vision and Strategy EZCORP, Inc. is a leading provider of pawn services in the United States ( U.S. ) and Latin America with 1,360 locations and approximately 8,500 Team Members. Our purpose statement: We exist to serve our customers short-term cash and pre-owned retail needs, helping them to live and enjoy their lives.
11.71% operating margin is respectable but not wide. ROIC at 7.08%. Suggests the business covers its cost of capital, but doesn't point to a wide moat.
Revenue grew 9.7%, steady but not accelerating.
Insufficient data to identify specific risks. Treat any missing metrics as a data gap, not a clean bill of health.
Profitability & Returns
Revenue (TTM)
$1.48B
▲ +9.7% YoY
Net Income (TTM)
$147M
▲ +31.9% YoY
Op. Margin
13.64%
▲ +2.0pp YoY
ROIC
8.38%
▲ +1.2pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
$131M
▲ +41.9% YoY
Op. Cash Flow (TTM)
$174M
▲ +31.1% YoY
Net Debt
$446M
Cash & Equiv.
$354M
5Y CAGR: +9.1%
5Y CAGR: +40.0%
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