Ezcorp Inc (EZPW) Quarterly and Annual Segment Results by Country and Region - CSIMarket
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Ezcorp Inc   (NASDAQ: EZPW)
    Sector  Retail    Industry Specialty Retail
   Industry Specialty Retail
   Sector  Retail

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Description of Ezcorp Inc's Business Segments


Ezcorp Inc is a leading provider of instant cash solutions for customers in need of short-term loans. The company operates through three major segments, which include:

1. Pawn: This segment offers pawn loans to customers in exchange for their valuable assets such as jewelry, electronics, and other personal items. Ezcorp's pawn business operates under the brand names EZPAWN and Value Pawn.

2. Advance: This segment provides short-term loans to customers who require urgent financial assistance with a variety of products, including payday loans, installment loans, and auto title loans. The division operates under the names EZMONEY and EZMONEY Loan Services.

3. Other Services: This segment provides other financial services, including buy/sell services for gold, silver, coins, and other precious metals. It also offers tax preparation and check cashing services to its customers through brick-and-mortar locations and online channels.

Under these segments, Ezcorp Inc offers a wide range of products and services to cater to the needs of its customers, which include:

1. Pawn loans: Ezcorp offers pawn loans on a variety of items, including jewelry, electronics, firearms, musical instruments, and more. Customers can borrow money by using their valuable assets as collateral.

2. Installment loans: Installment loans are provided by Ezcorp through its online portal EZMONEYLoanServices.com. Customers can complete an application, get approved, and receive money directly into their bank account within 24 hours.

3. Payday loans: Ezcorp's payday loans are short-term loans that customers can obtain to meet urgent financial needs. These loans typically come due on the customer's next payday. Customers can apply for payday loans through EZMONEYLoanServices.com.

4. Auto title loans: Under this product, Ezcorp provides customers with a cash loan against the title of their car, truck, or other vehicles. The loan amount usually depends on the market value of the vehicle.

5. Gold and Silver buying services: Ezcorp offers customers an option to sell their gold, silver, and other precious metals for cash. Customers can bring their precious metal items to one of Ezcorp's local stores to get an offer.

6. Check cashing: Customers can cash their checks at any of Ezcorp's brick-and-mortar stores across the country. The company charges a fee for this service.

Tax preparation: Ezcorp offers tax preparation services at select locations through third-party partnerships. Customers can have their taxes prepared by an experienced tax professional.


Composition of Ezcorp Inc Revenues by Segments

 
U S Pawn    71.25 % of total Revenue
Latin America Pawn    28.63 % of total Revenue
SMG    12.96 % of total Revenue
Merchandise sales    54.15 % of total Revenue
Merchandise sales U S Pawn    32.29 % of total Revenue
Merchandise sales Latin America Pawn    17.36 % of total Revenue
Merchandise sales SMG    4.5 % of total Revenue
Jewelry scrap sales    20.51 % of total Revenue
Jewelry scrap sales U S Pawn    14.01 % of total Revenue
Jewelry scrap sales Latin America Pawn    1.68 % of total Revenue
Jewelry scrap sales SMG    4.83 % of total Revenue
Pawn service charges    38.16 % of total Revenue
Pawn service charges U S Pawn    24.94 % of total Revenue
Pawn service charges Latin America Pawn    9.59 % of total Revenue
Pawn service charges SMG    3.63 % of total Revenue
Other revenues    0.01 % of total Revenue
Other revenues U S Pawn    0.01 % of total Revenue
Other revenues Latin America Pawn    0 % of total Revenue

Q2 three months ended (Mar 31 2026)
Revenues by Business Segments Revenues
(in millions $)
%
(of total Revenues)
U S Pawn 282.18 71.25 %
Latin America Pawn 113.39 28.63 %
SMG 51.31 12.96 %
Merchandise sales 214.47 54.15 %
Merchandise sales U S Pawn 127.88 32.29 %
Merchandise sales Latin America Pawn 68.76 17.36 %
Merchandise sales SMG 17.82 4.5 %
Jewelry scrap sales 81.24 20.51 %
Jewelry scrap sales U S Pawn 55.49 14.01 %
Jewelry scrap sales Latin America Pawn 6.64 1.68 %
Jewelry scrap sales SMG 19.11 4.83 %
Pawn service charges 151.13 38.16 %
Pawn service charges U S Pawn 98.77 24.94 %
Pawn service charges Latin America Pawn 37.98 9.59 %
Pawn service charges SMG 14.38 3.63 %
Other revenues 0.05 0.01 %
Other revenues U S Pawn 0.03 0.01 %
Other revenues Latin America Pawn 0.02 0 %
Total 396.04 100 %




Q2 three months ended (Mar 31 2026)
Revenue Growth rates by Segment Y/Y Revenue
%
Q/Q Revenue
%
U S Pawn 27.46 % 4.6 %
Latin America Pawn 33.51 % 1.01 %
SMG - -
Merchandise sales 26.55 % 2.05 %
Merchandise sales U S Pawn 9.38 % -8.02 %
Merchandise sales Latin America Pawn 30.85 % -3.3 %
Merchandise sales SMG - -
Jewelry scrap sales 288 % 103.57 %
Jewelry scrap sales U S Pawn 228.38 % 56.25 %
Jewelry scrap sales Latin America Pawn 64.36 % 51.12 %
Jewelry scrap sales SMG - -
Pawn service charges 30.43 % 14.56 %
Pawn service charges U S Pawn 12.82 % 3.78 %
Pawn service charges Latin America Pawn 34.08 % 3.36 %
Pawn service charges SMG - -
Other revenues 20 % 2.13 %
Other revenues U S Pawn 33.33 % 6.67 %
Other revenues Latin America Pawn 0 % -5.88 %
Total 36.82 % 11.57 %




Q2 three months ended (Mar 31 2026)
Income by Business Segments Income
(in millions $)
%
(Profit Margin)
Latin America Pawn 64.03 56.47 %
SMG 26.14 50.94 %
Total 49.58 12.52 %




Q2 three months ended (Mar 31 2026)
Income Growth rates by Segment Y/Y Income
%
Q/Q Income
%
Latin America Pawn 42.06 % 2.85 %
SMG - -
Total 95.29 % 11.92 %




Annual Report on Ezcorp Inc Divisions, Sales by Country

 
U S Pawn   U S Pawn Segment contribution to total sales 75.97 % of total Revenue
Latin America Pawn   Latin America Pawn Segment contribution to total sales 30.12 % of total Revenue
Merchandise sales   Merchandise sales Segment contribution to total sales 58.36 % of total Revenue
Merchandise sales U S Pawn   Merchandise sales U S Pawn Segment contribution to total sales 39.57 % of total Revenue
Merchandise sales Latin America Pawn   Merchandise sales Latin America Pawn Segment contribution to total sales 18.8 % of total Revenue
Jewelry scrap sales   Jewelry scrap sales Segment contribution to total sales 8.23 % of total Revenue
Jewelry scrap sales U S Pawn   Jewelry scrap sales U S Pawn Segment contribution to total sales 7.13 % of total Revenue
Jewelry scrap sales Latin America Pawn   Jewelry scrap sales Latin America Pawn Segment contribution to total sales 1.1 % of total Revenue
Pawn service charges   Pawn service charges Segment contribution to total sales 39.48 % of total Revenue
Pawn service charges U S Pawn   Pawn service charges U S Pawn Segment contribution to total sales 29.26 % of total Revenue
Pawn service charges Latin America Pawn   Pawn service charges Latin America Pawn Segment contribution to total sales 10.22 % of total Revenue
Other revenues   Other revenues Segment contribution to total sales 0.01 % of total Revenue
Other revenues U S Pawn   Other revenues U S Pawn Segment contribution to total sales 0.01 % of total Revenue
Other revenues Latin America Pawn   Other revenues Latin America Pawn Segment contribution to total sales 0.01 % of total Revenue
United States   United States Segment contribution to total sales 75.97 % of total Revenue
Mexico   Mexico Segment contribution to total sales 22.26 % of total Revenue
Other Latin America   Other Latin America Segment contribution to total sales 7.87 % of total Revenue


Twelve months ended 2025
EZPW s Annual Revenue by Geography and Business Segments Sales
(in millions $)
%
(of total Sales)
U S Pawn 912.49 75.97 %
Latin America Pawn 361.79 30.12 %
Merchandise sales 701.00 58.36 %
Merchandise sales U S Pawn 475.25 39.57 %
Merchandise sales Latin America Pawn 225.75 18.8 %
Jewelry scrap sales 98.88 8.23 %
Jewelry scrap sales U S Pawn 85.66 7.13 %
Jewelry scrap sales Latin America Pawn 13.23 1.1 %
Pawn service charges 474.23 39.48 %
Pawn service charges U S Pawn 351.48 29.26 %
Pawn service charges Latin America Pawn 122.75 10.22 %
Other revenues 0.17 0.01 %
Other revenues U S Pawn 0.10 0.01 %
Other revenues Latin America Pawn 0.07 0.01 %
Total 1,201.07 100 %
United States 912.49 75.97 %
Mexico 267.30 22.26 %
Other Latin America 94.49 7.87 %


Twelve months ended 2025
EZPW s Annual Income by Country and Business Segments Income
(in millions $)
%
(Profit Margin)
Latin America Pawn 195.43 54.02 %
Total 109.61 9.13 %

Twelve months ended 2025
Annual Revenue and Income Growth by Country and Business Segments % Y/Y Sales Growth % Y/Y Income Growth
U S Pawn 9.14 % -
Latin America Pawn 11.15 % 7.99 %
Merchandise sales 5.61 % -
Merchandise sales U S Pawn 3.48 % -
Merchandise sales Latin America Pawn 10.4 % -
Jewelry scrap sales 61.89 % -
Jewelry scrap sales U S Pawn 57.62 % -
Jewelry scrap sales Latin America Pawn 96.29 % -
Pawn service charges 8.63 % -
Pawn service charges U S Pawn 9.03 % -
Pawn service charges Latin America Pawn 7.5 % -
Other revenues -29.29 % -
Other revenues U S Pawn -18.25 % -
Other revenues Latin America Pawn -15.38 % -
Total 8.27 % 31.91 %
United States 9.14 % -
Mexico 7.95 % -
Other Latin America 21.34 % -
Other Investments - -
Jewelry scrapping sales - -
Jewelry scrapping sales U S Pawn - -
Jewelry scrapping sales Latin America Pawn - -
Other revenues Other Investments - -



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