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Ezcorp cash flow, quarter by quarter

Latest: Q3 FY26 · from the cash-flow statements filed with the SEC

Free cash flow$32.9M in Q3 FY26 · $138M over twelve months

Operating cash flow$42.8M
Capital spending−$9.9M
Free cash flow+$32.9M
Cash / net income1.1×

Analysis

In Q3 FY26, Ezcorp generated $42.8M of operating cash flow and spent $9.9M on capital projects, leaving free cash flow of $32.9M. That is $7.2M more than in Q3 FY25 ($25.7M).

Over the twelve months to Jun 30, 2026, operating cash flow was $182M; the largest uses were net borrowing (+) / repaid (−) ($135M), other investing ($99.2M), capital spending ($43.3M); the cash balance fell by $160M.

Operating cash flow was $42.8M against net income of $38.5M — 1.1× profit, cash ran ahead of reported earnings. The largest differences: payables −$23.3M, prepaid and other assets +$20.2M, inventory −$15.2M.

Free cash flow

Ezcorp: free cash flow by quarterEzcorp: free cash flow by quarter$24.4MQ4 FY24$20.4MQ1 FY25$28.6MQ2 FY25$25.7MQ3 FY25$35.7MQ4 FY25$31.7MQ1 FY26$38.0MQ2 FY26$32.9MQ3 FY26
Operating cash flow less capital spending.
Ezcorp: operating cash flow against capital spendingEzcorp: operating cash flow against capital spendingOperating cash flowCapital spending$43.3M$18.9MQ4 FY24$26.0M$5.6MQ1 FY25$36.9M$8.4MQ2 FY25$34.8M$9.1MQ3 FY25$51.3M$15.5MQ4 FY25$39.1M$7.5MQ1 FY26$48.5M$10.5MQ2 FY26$42.8M$9.9MQ3 FY26
Latest (Q3 FY26): Operating cash flow $42.8M, Capital spending $9.9M.

Capital allocation, year by year

Ezcorp: where the cash came from (up) and went (down), by fiscal yearEzcorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingCapital spendingAcquisitionsBuybacksFY21: Operating cash flow $46.4MFY21: Net borrowing −$15.4MFY21: Capital spending −$23.6MFY21: Acquisitions −$19.0M$46.4MFY21FY22: Operating cash flow $66.5MFY22: Capital spending −$31.9MFY22: Acquisitions −$1.9MFY22: Buybacks −$2.0M$66.5MFY22FY23: Operating cash flow $102MFY23: Net borrowing $51.2MFY23: Capital spending −$40.4MFY23: Acquisitions −$14.9MFY23: Buybacks −$17.0M$153MFY23FY24: Operating cash flow $114MFY24: Net borrowing −$34.9MFY24: Capital spending −$35.8MFY24: Acquisitions −$12.1MFY24: Buybacks −$12.0M$114MFY24FY25: Operating cash flow $149MFY25: Net borrowing $293MFY25: Capital spending −$38.6MFY25: Acquisitions −$20.7MFY25: Buybacks −$7.0M$442MFY25
Over these 5 years operating cash flow totalled $477M; the largest uses were capital spending ($170M) and acquisitions ($68.5M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$311M
Debt$519M
Net debt$208M

Ezcorp funds itself: free cash flow was $138M over the last twelve months, and $311M of cash and investments stands against $519M of debt.

Where the cash came from and went

Ezcorp: sources (+) and uses (−) of cash, Q3 FY26Ezcorp: sources (+) and uses (−) of cash, Q3 FY26Other investing−$52.5MCash drawn (+) / kept (−)$43.4MOperating cash flow$42.8MOther financing−$14.9MCapital spending−$9.9MAcquisitions−$5.5MBuybacks−$4.0MExchange rates$844KNet borrowing (+) / repaid (−)−$218K
Ezcorp: sources (+) and uses (−) of cash, TTM to Q3 FY26Ezcorp: sources (+) and uses (−) of cash, 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 profit to cash

Ezcorp: net income to operating cash flow, Q3 FY26Ezcorp: net income to operating cash flow, Q3 FY26Net income$38.5MDepreciation & amortization$9.7MStock-based pay$4.1MDeferred taxes$260KGains on disposals$25KOther non-cash$24KInventory−$15.2MPayables−$23.3MDeferred revenue$2.7MPrepaid and other assets$20.2MOperating cash flow$42.8M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 FY26$42.8M−$9.9M−$5.5M−$4.0M−$218K$43.4M$32.9M
Q2 FY26$48.5M−$10.5M−$16.5M−$4.0M−$369K$116M$38.0M
Q1 FY26$39.1M−$7.5M−$9.1M—−$174K−$1.4M$31.7M
Q4 FY25$51.3M−$15.5M−$3.6M−$999K−$156K$2.4M$35.7M
Q3 FY25$34.8M−$9.1M−$17.0M−$2.0M−$6.6M$27.7M$25.7M
Q2 FY25$36.9M−$8.4M−$79K−$997K−$100K−$331M$28.6M
Q1 FY25$26.0M−$5.6M—−$3.0M−$131K−$4.1M$20.4M
Q4 FY24$43.3M−$18.9M−$150K−$3.0M−$34.5M$47.4M$24.4M

Ezcorp: income statement and cash flow

Ezcorp, Q3 FY26: revenue $419M (+35% year over year), operating margin 13.1%. The chart follows the revenue to costs, profit and cash.

Ezcorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.