For the quarter ending 2026-03-31, EZPW had -$116,059K decrease in cash & cash equivalents over the period. $38,008K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 49,584 | 44,304 | 26,704 | 82,909 |
| Depreciation and amortization | 9,588 | 8,756 | 8,180 | 24,358 |
| Amortization of debt discount and deferred financing costs | - | - | 1,726 | - |
| Amortization of deferred financing costs | 446 | -759 | - | 1,238 |
| Non-cash lease expense | 17,601 | 15,666 | 15,376 | 43,889 |
| Deferred income taxes | -352 | 93 | -2,542 | -542 |
| Impairment of other assets | - | - | 877 | - |
| Other adjustments | 23 | 874 | 65 | 1,877 |
| Provision for inventory reserve | -1,278 | 429 | 819 | 39 |
| Stock compensation expense | 5,137 | 3,397 | 3,252 | 9,213 |
| Equity in net income from investment in unconsolidated affiliates | 1,166 | 1,823 | 1,970 | 4,180 |
| Net loss on extinguishment of debt | - | - | 0 | - |
| Gain from remeasurement of previously held equity interest | 1,596 | - | - | - |
| Pawn service charges receivable | -2,535 | 1,020 | 3,469 | 364 |
| Inventory | -1,518 | 1,816 | 8,974 | 9,205 |
| Prepaid expenses, other current assets and other assets | 17,762 | 1,352 | 5,645 | 74 |
| Accounts payable, accrued expenses and other liabilities | -8,086 | -39,357 | 16,603 | -58,023 |
| Customer layaway deposits | 4,602 | -1,065 | 436 | 11,276 |
| Income taxes | 12,285 | -13,329 | -1,185 | 927 |
| Investment in other investments | - | - | 0 | 0 |
| Net cash provided by operating activities | 48,463 | 39,146 | 51,255 | 97,730 |
| Loans made | 318,402 | 272,746 | 267,835 | 738,670 |
| Loans repaid | 199,289 | 152,230 | 140,027 | 417,734 |
| Recovery of pawn loan principal through sale of forfeited collateral | 124,488 | 115,522 | 101,300 | 291,903 |
| Capital expenditures | 10,455 | 7,455 | 15,510 | 23,051 |
| Acquisitions, net of cash acquired | 16,493 | 9,147 | 3,600 | 17,093 |
| Issuance of notes receivable | 5,000 | 4,000 | 5,895 | - |
| Proceeds from notes receivable | - | - | - | 241 |
| Investment in unconsolidated affiliate | 59 | 7,172 | 68 | 718 |
| Dividends from unconsolidated affiliates | 0 | 1,810 | 0 | 3,614 |
| Other | - | 0 | - | - |
| Net cash used in investing activities | -26,632 | -30,958 | -51,822 | -66,040 |
| Payments on debt | - | - | - | 6,410 |
| Taxes paid related to net share settlement of equity awards | 1 | 6,346 | 1 | 3,971 |
| Proceeds from issuance of debt | 0 | - | 0 | 300,000 |
| Debt issuance cost | 0 | - | 30 | 7,563 |
| Cash paid on extinguishment of debt | - | - | 0 | - |
| Payments on debt | 134,151 | - | 6,410 | - |
| Purchase and retirement of treasury stock | 4,008 | 0 | 999 | 6,000 |
| Payments of finance leases | 369 | 174 | 156 | 450 |
| Net cash (used in) provided by financing activities | -138,529 | -6,520 | -1,186 | 275,606 |
| Effect of exchange rate changes on cash and cash equivalents and restricted cash | 639 | -260 | -611 | -26 |
| Net (decrease) increase in cash, cash equivalents and restricted cash | -116,059 | 1,408 | -2,364 | 307,270 |
| Cash and cash equivalents and restricted cash at beginning of period | 486,121 | 484,713 | 179,807 | - |
| Cash and cash equivalents and restricted cash at end of period | 370,062 | 486,121 | 484,713 | - |
EZCORP INC (EZPW)
EZCORP INC (EZPW)