For the quarter ending 2025-12-31, EZPW had $1,408K increase in cash & cash equivalents over the period. $31,691K in free cash flow.
| Cash Flow | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Net income | 44,304 | 26,704 | 82,909 |
| Depreciation and amortization | 8,756 | 8,180 | 24,358 |
| Amortization of debt discount and deferred financing costs | - | 1,726 | - |
| Amortization of deferred financing costs | -759 | - | 1,238 |
| Non-cash lease expense | 15,666 | 15,376 | 43,889 |
| Deferred income taxes | 93 | -2,542 | -542 |
| Impairment of other assets | - | 877 | - |
| Other adjustments | 874 | 65 | 1,877 |
| Provision for inventory reserve | 429 | 819 | 39 |
| Stock compensation expense | 3,397 | 3,252 | 9,213 |
| Equity in net income from investment in unconsolidated affiliates | 1,823 | 1,970 | 4,180 |
| Net loss on extinguishment of debt | - | 0 | - |
| Pawn service charges receivable | 1,020 | 3,469 | 364 |
| Inventory | 1,816 | 8,974 | 9,205 |
| Prepaid expenses, other current assets and other assets | 1,352 | 5,645 | 74 |
| Accounts payable, accrued expenses and other liabilities | -39,357 | 16,603 | -58,023 |
| Customer layaway deposits | -1,065 | 436 | 11,276 |
| Income taxes | -13,329 | -1,185 | 927 |
| Investment in other investments | - | 0 | 0 |
| Net cash provided by operating activities | 39,146 | 51,255 | 97,730 |
| Loans made | 272,746 | 267,835 | 738,670 |
| Loans repaid | 152,230 | 140,027 | 417,734 |
| Recovery of pawn loan principal through sale of forfeited collateral | 115,522 | 101,300 | 291,903 |
| Capital expenditures, net | 7,455 | 15,510 | 23,051 |
| Acquisitions, net of cash acquired | 9,147 | 3,600 | 17,093 |
| Issuance of notes receivable | 4,000 | 5,895 | - |
| Proceeds from notes receivable | - | - | 241 |
| Investment in unconsolidated affiliate | 7,172 | 68 | 718 |
| Dividends from unconsolidated affiliates | 1,810 | 0 | 3,614 |
| Other | 0 | - | - |
| Net cash used in investing activities | -30,958 | -51,822 | -66,040 |
| Payments on debt | - | - | 6,410 |
| Proceeds from borrowings | - | 0 | 300,000 |
| Taxes paid related to net share settlement of equity awards | 6,346 | 1 | 3,971 |
| Debt issuance cost | - | 30 | 7,563 |
| Cash paid on extinguishment of debt | - | 0 | - |
| Payments on debt | - | 6,410 | - |
| Purchase and retirement of treasury stock | 0 | 999 | 6,000 |
| Payments of finance leases | 174 | 156 | 450 |
| Net cash used in financing activities | -6,520 | -1,186 | 275,606 |
| Effect of exchange rate changes on cash and cash equivalents and restricted cash | -260 | -611 | -26 |
| Net increase in cash, cash equivalents and restricted cash | 1,408 | -2,364 | 307,270 |
| Cash and cash equivalents at beginning of period | 484,713 | 179,807 | - |
| Cash and cash equivalents at end of period | 486,121 | 484,713 | - |
EZCORP INC (EZPW)
EZCORP INC (EZPW)