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Ezcorp (EZPW) earnings and revenue breakdown

Latest: Q3 FY26 · 10-Q filed Aug 5, 2026 · Ezcorp (EZPW) Q3 FY26 earnings results →

Q3 FY26 Revenue up 35% year over year to $419M · 9¢ of every $1 of revenue kept as net profit · operating margin 13.1%

Ezcorp made $419M in Q3 FY26 (+35% Y/Y): Merchandise sales $210M, Pawn service charges $152M, Jewelry scrap sales $56.6M. Operating margin 13.1%, net earnings $38.2M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Aug 5, 2026.

Revenue$419M
Year over year+35%
Operating margin13.1%
Net earnings$38.2M
Operating cash flow$42.8M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $418.7M in Q3 FY26, up 35% year over year and down 6% from the previous quarter. Merchandise sales was the largest line at 50% of revenue. Merchandise sales added $41.0M year over year (up 24%), 38% of the total change. Other revenues declined 10%.

Gross margin was 58.8%, down 0.3 points from Q3 FY25. Operating profit was $54.8M, a 13.1% margin (up 1.5 points year over year). Of the extra revenue versus Q3 FY25, 17% reached operating profit, above the 12% margin then. Operating expenses grew 30% against revenue growth of 35%. The fastest-growing cost line was Other operating costs (+31%). Net earnings were $38.2M, up 44% year over year. The effective tax rate was 26.0%.

Operating cash flow was $42.8M (up 23% year over year), 111% of net earnings. Non-cash charges added back $9.7M of depreciation and amortization and $4.1M of share-based compensation. Working capital and other items used $9.5M. Capital expenditures of $9.9M left free cash flow of $32.9M.

Quarterly history

Ezcorp revenue by quarterEzcorp revenue by quarter$295MQ4 FY24$306MQ2 FY25$311MQ3 FY25$337MQ4 FY25$382MQ1 FY26$447MQ2 FY26$419MQ3 FY26
Ezcorp net earnings by quarterEzcorp net earnings by quarter$15.2MQ4 FY24$25.4MQ2 FY25$26.5MQ3 FY25$26.7MQ4 FY25$44.3MQ1 FY26$49.1MQ2 FY26$38.2MQ3 FY26
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 FY2610-QAug 5, 2026$419M+35%13.1%$38.2M$42.8M
Q2 FY2610-QMay 6, 2026$447M+46%15.2%$49.1M$48.5M
Q1 FY2610-QFeb 4, 2026$382M+19%15.9%$44.3M$39.1M
Q4 FY2510-KNov 13, 2025$337M+14%11.0%$26.7M$51.3M
Q3 FY2510-QJul 30, 2025$311M+10%11.6%$26.5M$34.8M
Q2 FY2510-QApr 28, 2025$306M+7%11.2%$25.4M$36.9M
Q4 FY2410-KNov 13, 2024$295M+9%8.8%$15.2M$43.3M

Charts

Ezcorp: revenue growth, year over year and quarter over quarterEzcorp: revenue growth, year over year and quarter over quarterY/YQ/Q+9%Q4 FY24+7%+4%Q2 FY25+10%+2%Q3 FY25+14%+8%Q4 FY25+19%+13%Q1 FY26+46%+17%Q2 FY26+35%-6%Q3 FY26
Latest (Q3 FY26): Y/Y +35%, Q/Q -6%.
Ezcorp: where the cash came from (+) and went (−), TTM to Q3 FY26Ezcorp: where the cash came from (+) and went (−), TTM to Q3 FY26Operating cash flow$182MCash drawn (+) / kept (−)$160MNet borrowing (+) / repaid (−)−$135MOther investing−$99.2MCapital spending−$43.3MAcquisitions−$34.7MOther financing−$14.9MBuybacks−$9.0MTaxes on employees’ shares−$6.3MExchange rates$612K
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Ezcorp: profit against cash, quarter by quarterEzcorp: profit against cash, quarter by quarterNet incomeOperating cash flow$15.2M$43.3MQ4 FY24$31.0M$26.0MQ1 FY25$25.4M$36.9MQ2 FY25$26.5M$34.8MQ3 FY25$26.7M$51.3MQ4 FY25$44.3M$39.1MQ1 FY26$49.6M$48.5MQ2 FY26$38.5M$42.8MQ3 FY26
Latest (Q3 FY26): Net income $38.5M, Operating cash flow $42.8M.
Ezcorp: diluted shares by fiscal yearEzcorp: diluted shares by fiscal year55MFY2056MFY2182MFY2281MFY2384MFY2483MFY25
+50.7% since FY20: more shares outstanding (issuance, stock pay).
Ezcorp in its industry: growth against margin (10 companies, SIC 5900)Ezcorp in its industry: growth against margin (10 companies, SIC 5900)revenue growth, year over year →↑ operating marginmedian +19%median 10%FCFSSVVSPHREALTMSLIVEPLBYWINACIMGEZPW (+35%, 13%)
Retail-Miscellaneous Retail; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Ezcorp

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. We are a Delaware corporation headquartered in Austin, Texas. “We exist to serve our customers’ short-term cash and pre-owned retail needs, helping them to live and enjoy their lives.

In its own words, from its 10-K, filed Nov 13, 2025.

Ezcorp against its Retail-Miscellaneous Retail peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +35% against the peers' median +18%. Operating margin: 13.1% against the peers' median 9.8%.

CompanyQuarterRevenueY/YOp. margin
EZPW EzcorpQ3 FY26$419M+35%13.1%
FCFS FirstCash HoldingsQ3 2026$1.1B+18%12.6%
SVV Savers Value VillageQ3 2026$463M+8%9.8%
SPH Suburban Propane Partners LPQ3 FY26$261M+0.5%0.9%
REAL TheRealRealQ3 2026$206M+19%0.7%
TMS TeamsharesQ2 2026$149M+20%2.0%
LIVE Live VenturesQ3 FY26$109M-3%4.9%
PLBY PlayboyQ3 2026$31.7M+9%12.6%
WINA WinmarkQ3 2026$27.9M+23%56.6%

Source: Ezcorp 10-Q on SEC EDGAR · CIK 876523 · Retail-Miscellaneous Retail

13F: who owns EZPW and who is buying

Largest holders of EZPW (13F)Largest holders of EZPW (13F)FMR LLC$286MBlackRock$236MCapital Research Global Investors$122MDimensional Fund Advisors LP$106MVanguard Capital Management LLC$86.6MTwo Sigma Investments, LP$86.3MRenaissance Technologies LLC$69.2MVanguard Group$68.9MUBS Group AG$65.9MMorgan Stanley$53.2M
Funds' net buying of EZPW by quarter (13F)Funds' net buying of EZPW by quarter (13F)$3.6M2024-09$10.4M2024-12$16.9M2025-03$37.6M2025-06$3.6M2025-09$46.8M2025-12$18.5M2026-03$15.4M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on EZPW

History

Every quarter: Q3 FY26 results · Q2 FY26 results · Q1 FY26 results · Q4 FY25 results · Q3 FY25 results · Q2 FY25 results · Q4 FY24 results

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