EZCORP Inc
NASDAQ:EZPW
Income Statement
Earnings Waterfall
EZCORP Inc
Revenue
|
1.1B
USD
|
Cost of Revenue
|
-454.7m
USD
|
Gross Profit
|
630m
USD
|
Operating Expenses
|
-527.3m
USD
|
Operating Income
|
102.7m
USD
|
Other Expenses
|
-52.5m
USD
|
Net Income
|
50.2m
USD
|
Income Statement
EZCORP Inc
Dec-2013 | Mar-2014 | Jun-2014 | Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | ||||||||||||||||||||||||||||||||||||||||||
Revenue |
951
N/A
|
928
-2%
|
916
-1%
|
746
-19%
|
705
-6%
|
632
-10%
|
573
-9%
|
720
+26%
|
695
-3%
|
711
+2%
|
716
+1%
|
731
+2%
|
736
+1%
|
737
+0%
|
750
+2%
|
748
0%
|
760
+2%
|
772
+2%
|
788
+2%
|
812
+3%
|
824
+1%
|
836
+1%
|
839
+0%
|
847
+1%
|
854
+1%
|
863
+1%
|
870
+1%
|
823
-5%
|
779
-5%
|
740
-5%
|
704
-5%
|
730
+4%
|
772
+6%
|
803
+4%
|
845
+5%
|
886
+5%
|
930
+5%
|
972
+5%
|
1 012
+4%
|
1 049
+4%
|
1 085
+3%
|
|
Gross Profit | ||||||||||||||||||||||||||||||||||||||||||
Cost of Revenue |
(370)
|
(368)
|
(372)
|
(324)
|
(317)
|
(302)
|
(285)
|
(317)
|
(296)
|
(296)
|
(295)
|
(302)
|
(308)
|
(308)
|
(316)
|
(312)
|
(314)
|
(316)
|
(323)
|
(331)
|
(334)
|
(339)
|
(341)
|
(353)
|
(360)
|
(368)
|
(390)
|
(374)
|
(351)
|
(326)
|
(284)
|
(280)
|
(299)
|
(315)
|
(335)
|
(358)
|
(381)
|
(403)
|
(424)
|
(439)
|
(455)
|
|
Gross Profit |
581
N/A
|
560
-4%
|
544
-3%
|
422
-22%
|
388
-8%
|
330
-15%
|
288
-13%
|
403
+40%
|
399
-1%
|
414
+4%
|
421
+2%
|
428
+2%
|
428
0%
|
429
+0%
|
434
+1%
|
436
+0%
|
446
+2%
|
456
+2%
|
465
+2%
|
482
+4%
|
490
+2%
|
497
+2%
|
498
+0%
|
494
-1%
|
495
+0%
|
494
0%
|
481
-3%
|
449
-7%
|
428
-5%
|
414
-3%
|
420
+1%
|
450
+7%
|
473
+5%
|
488
+3%
|
510
+4%
|
528
+4%
|
549
+4%
|
569
+4%
|
588
+3%
|
610
+4%
|
630
+3%
|
|
Operating Income | ||||||||||||||||||||||||||||||||||||||||||
Operating Expenses |
(480)
|
(491)
|
(491)
|
(403)
|
(371)
|
(324)
|
(294)
|
(399)
|
(402)
|
(413)
|
(411)
|
(396)
|
(390)
|
(390)
|
(390)
|
(382)
|
(387)
|
(395)
|
(403)
|
(414)
|
(423)
|
(432)
|
(437)
|
(443)
|
(448)
|
(447)
|
(446)
|
(422)
|
(405)
|
(398)
|
(395)
|
(417)
|
(428)
|
(430)
|
(443)
|
(452)
|
(466)
|
(483)
|
(495)
|
(516)
|
(527)
|
|
Selling, General & Administrative |
(54)
|
(66)
|
(67)
|
(80)
|
(77)
|
(72)
|
(74)
|
(73)
|
(81)
|
(81)
|
(79)
|
(68)
|
(62)
|
(60)
|
(59)
|
(54)
|
(53)
|
(53)
|
(52)
|
(54)
|
(54)
|
(57)
|
(59)
|
(64)
|
(67)
|
(66)
|
(67)
|
(52)
|
(47)
|
(46)
|
(44)
|
(58)
|
(59)
|
(57)
|
(62)
|
(64)
|
(62)
|
(65)
|
(65)
|
(70)
|
(66)
|
|
Depreciation & Amortization |
(33)
|
(33)
|
(33)
|
(29)
|
(26)
|
(24)
|
(22)
|
(31)
|
(30)
|
(30)
|
(29)
|
(27)
|
(25)
|
(25)
|
(24)
|
(24)
|
(23)
|
(23)
|
(24)
|
(26)
|
(27)
|
(27)
|
(28)
|
(29)
|
(30)
|
(31)
|
(31)
|
(31)
|
(31)
|
(31)
|
(31)
|
(31)
|
(31)
|
(30)
|
(30)
|
(32)
|
(33)
|
(33)
|
(33)
|
(32)
|
(33)
|
|
Other Operating Expenses |
(392)
|
(391)
|
(390)
|
(294)
|
(269)
|
(229)
|
(198)
|
(295)
|
(291)
|
(301)
|
(303)
|
(301)
|
(303)
|
(305)
|
(306)
|
(305)
|
(311)
|
(319)
|
(327)
|
(335)
|
(342)
|
(348)
|
(350)
|
(351)
|
(351)
|
(350)
|
(348)
|
(339)
|
(327)
|
(321)
|
(320)
|
(329)
|
(338)
|
(343)
|
(351)
|
(355)
|
(371)
|
(385)
|
(397)
|
(414)
|
(428)
|
|
Operating Income |
102
N/A
|
69
-32%
|
53
-23%
|
19
-64%
|
17
-12%
|
6
-65%
|
(6)
N/A
|
4
N/A
|
(3)
N/A
|
2
N/A
|
10
+573%
|
32
+219%
|
37
+16%
|
40
+6%
|
44
+12%
|
53
+20%
|
59
+10%
|
61
+4%
|
62
+2%
|
68
+9%
|
67
-1%
|
65
-4%
|
61
-6%
|
51
-16%
|
46
-10%
|
47
+2%
|
34
-27%
|
28
-20%
|
22
-19%
|
16
-27%
|
25
+52%
|
32
+31%
|
45
+40%
|
58
+28%
|
67
+16%
|
77
+14%
|
83
+8%
|
86
+4%
|
93
+8%
|
94
+1%
|
103
+9%
|
|
Pre-Tax Income | ||||||||||||||||||||||||||||||||||||||||||
Interest Income Expense |
(7)
|
(12)
|
(18)
|
(2)
|
0
|
(1)
|
8
|
(22)
|
(14)
|
(10)
|
(16)
|
(17)
|
(16)
|
(16)
|
(17)
|
(11)
|
(9)
|
(8)
|
(7)
|
(5)
|
(12)
|
(16)
|
(20)
|
(22)
|
(25)
|
(24)
|
(25)
|
(22)
|
(16)
|
(15)
|
(14)
|
(16)
|
(13)
|
(13)
|
(9)
|
(7)
|
(7)
|
(35)
|
(34)
|
(37)
|
(28)
|
|
Non-Reccuring Items |
(38)
|
(46)
|
(46)
|
(9)
|
(15)
|
(8)
|
(8)
|
(47)
|
(48)
|
(48)
|
(48)
|
(14)
|
(12)
|
(11)
|
(11)
|
(0)
|
(0)
|
(0)
|
(1)
|
(12)
|
(30)
|
(35)
|
(35)
|
(24)
|
(7)
|
(49)
|
(49)
|
(76)
|
(75)
|
(28)
|
(28)
|
(1)
|
(1)
|
(0)
|
1
|
(2)
|
(5)
|
(8)
|
(8)
|
(2)
|
(7)
|
|
Total Other Income |
(3)
|
(3)
|
(3)
|
(1)
|
(12)
|
(7)
|
(12)
|
(2)
|
(2)
|
(7)
|
(2)
|
(1)
|
(1)
|
(1)
|
(0)
|
0
|
0
|
0
|
6
|
5
|
6
|
5
|
0
|
(1)
|
(2)
|
(1)
|
(1)
|
0
|
1
|
0
|
0
|
1
|
0
|
0
|
0
|
0
|
0
|
1
|
0
|
(3)
|
(3)
|
|
Pre-Tax Income |
55
N/A
|
8
-86%
|
(14)
N/A
|
8
N/A
|
(11)
N/A
|
(10)
+8%
|
(18)
-81%
|
(66)
-276%
|
(67)
-1%
|
(63)
+6%
|
(56)
+12%
|
0
N/A
|
8
+1 925%
|
11
+37%
|
16
+46%
|
43
+164%
|
49
+16%
|
53
+8%
|
60
+12%
|
56
-7%
|
31
-44%
|
19
-40%
|
7
-64%
|
4
-37%
|
12
+183%
|
(27)
N/A
|
(41)
-50%
|
(70)
-71%
|
(68)
+4%
|
(27)
+61%
|
(17)
+35%
|
16
N/A
|
32
+98%
|
45
+42%
|
59
+31%
|
68
+15%
|
71
+5%
|
44
-39%
|
52
+19%
|
52
0%
|
65
+26%
|
|
Net Income | ||||||||||||||||||||||||||||||||||||||||||
Tax Provision |
(14)
|
1
|
10
|
(5)
|
(3)
|
(6)
|
(3)
|
14
|
15
|
11
|
7
|
(9)
|
(12)
|
(9)
|
(12)
|
(11)
|
(14)
|
(14)
|
(12)
|
(14)
|
(5)
|
(2)
|
(0)
|
(2)
|
(5)
|
(10)
|
(5)
|
2
|
2
|
8
|
1
|
(8)
|
(12)
|
(16)
|
(15)
|
(18)
|
(20)
|
(14)
|
(16)
|
(13)
|
(15)
|
|
Income from Continuing Operations |
40
|
9
|
(4)
|
3
|
(13)
|
(16)
|
(20)
|
(52)
|
(52)
|
(52)
|
(49)
|
(9)
|
(4)
|
2
|
5
|
32
|
36
|
39
|
48
|
42
|
26
|
17
|
6
|
2
|
7
|
(37)
|
(46)
|
(69)
|
(66)
|
(19)
|
(16)
|
9
|
20
|
30
|
44
|
50
|
51
|
30
|
36
|
39
|
50
|
|
Income to Minority Interest |
5
|
7
|
10
|
6
|
6
|
6
|
4
|
5
|
4
|
8
|
8
|
8
|
9
|
4
|
3
|
2
|
2
|
2
|
3
|
1
|
1
|
1
|
1
|
1
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Net Income (Common) |
10
N/A
|
(18)
N/A
|
(8)
+56%
|
(68)
-768%
|
(75)
-11%
|
(80)
-6%
|
(93)
-17%
|
(89)
+4%
|
(108)
-21%
|
(180)
-67%
|
(176)
+2%
|
(81)
+54%
|
(63)
+22%
|
16
N/A
|
27
+69%
|
31
+16%
|
37
+18%
|
41
+10%
|
50
+23%
|
37
-25%
|
21
-43%
|
13
-38%
|
2
-86%
|
3
+39%
|
7
+188%
|
(37)
N/A
|
(46)
-23%
|
(69)
-50%
|
(65)
+5%
|
(19)
+71%
|
(16)
+15%
|
9
N/A
|
20
+133%
|
30
+48%
|
44
+50%
|
50
+13%
|
51
+2%
|
30
-42%
|
36
+20%
|
39
+8%
|
50
+30%
|
|
EPS (Diluted) |
0.18
N/A
|
-0.32
N/A
|
-0.14
+56%
|
-1.25
-793%
|
-1.39
-11%
|
-1.42
-2%
|
-1.7
-20%
|
-1.63
+4%
|
-1.97
-21%
|
-3.29
-67%
|
-3.22
+2%
|
-1.48
+54%
|
-1.15
+22%
|
0.29
N/A
|
0.49
+69%
|
0.57
+16%
|
0.64
+12%
|
0.7
+9%
|
0.85
+21%
|
0.64
-25%
|
0.38
-41%
|
0.23
-39%
|
0.03
-87%
|
0.05
+67%
|
0.13
+160%
|
-0.67
N/A
|
-0.83
-24%
|
-1.24
-49%
|
-1.19
+4%
|
-0.35
+71%
|
-0.3
+14%
|
0.15
N/A
|
0.24
+60%
|
0.35
+46%
|
0.55
+57%
|
0.61
+11%
|
0.62
+2%
|
0.53
-15%
|
0.4
-25%
|
0.48
+20%
|
0.57
+19%
|