| Cash Flow | 2025-09-30 |
|---|---|
| Net income | 109,613 |
| Depreciation and amortization | 32,538 |
| Amortization of debt discount and deferred financing costs | 1,726 |
| Non-cash lease expense | 59,265 |
| Deferred income taxes | -3,084 |
| Impairment of other assets | 877 |
| Other adjustments | 1,942 |
| Provision for inventory reserve | 858 |
| Stock compensation expense | 12,465 |
| Equity in net (income) loss from investment in unconsolidated affiliates | 6,150 |
| Net loss on extinguishment of debt | 0 |
| Service charges and fees receivable | 3,833 |
| Inventory | 18,179 |
| Prepaid expenses, other current assets and other assets | 5,719 |
| Accounts payable, accrued expenses and other liabilities | -41,420 |
| Customer layaway deposits | 11,712 |
| Income taxes | -258 |
| Net cash provided by operating activities | 148,985 |
| Loans made | 1,006,505 |
| Loans repaid | 557,761 |
| Recovery of pawn loan principal through sale of forfeited collateral | 393,203 |
| Capital expenditures, net | 38,561 |
| Acquisitions, net of cash acquired | 20,693 |
| Issuance of note receivable | 5,895 |
| Investment in unconsolidated affiliate | 786 |
| Investment in other investments | 0 |
| Dividends from unconsolidated affiliates | 3,614 |
| Net cash used in investing activities | -117,862 |
| Taxes paid related to net share settlement of equity awards | 3,972 |
| Proceeds from borrowings | 300,000 |
| Debt issuance cost | 7,593 |
| Cash paid on extinguishment of debt | 0 |
| Payments on debt | 6,410 |
| Purchase and retirement of treasury stock | 6,999 |
| Payments of finance leases | 606 |
| Net cash (used in) provided by financing activities | 274,420 |
| Effect of exchange rate changes on cash and cash equivalents and restricted cash | -637 |
| Net (decrease) increase in cash and cash equivalents and restricted cash | 304,906 |
| Cash and cash equivalents at beginning of period | 179,807 |
| Cash and cash equivalents at end of period | 484,713 |
EZCORP INC (EZPW)
EZCORP INC (EZPW)