EZCORP, Inc. Class A Non Voting
EZCORP, Inc. Class A Non Voting is classed by the SEC under Retail-Miscellaneous Retail (industry code 5900), based in Rollingwood, TX. In its latest annual figures on file, for the fiscal year ended 2025-09-30, it reported revenue of $1.3 billion and a profit of $110 million (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a retail business: prior from its industry code (SEC 5900, Retail-Miscellaneous Retail); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.0 out of ten, 9 of 9 metrics filed: past 4.0 out of ten, present 6.9 out of ten, future 6.4 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 2.7 out of ten. 1 warning event since 2017; the latest 2018-10-29. 27th percentile among 13 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 4.3 out of ten. +6.9% a year over 9 filed years; profitable in 8 of 9. 43rd percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 6.0 out of ten. Share count grew 0.4% a year. 10% of cash flow returned. Insiders: 12 sales, 0 purchases. 60th percentile among 7 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 7.7 out of ten. ROE 11%: 11¢ of profit per shareholder dollar. Leverage 47%: owes 47¢ per asset dollar. 77th percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 7.2 out of ten. top 28% of 12 in its family; net margin 8.6%. 72nd percentile among 12 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 5.0 out of ten. top 49% of 7 in its family for leadership; chief executive since 2022. 51st percentile among 7 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 6.0 out of ten. top 40% of 12 in its family for room to expand. 60th percentile among 12 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 7.3 out of ten. top 27% of 11 in its family for growth drivers. 73rd percentile among 11 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 5.5 out of ten. top 45% of 10 in its family for expectations against reality. 55th percentile among 10 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2025-11-13 for the period ended 2025-09-30 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-05 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-05 (on EDGAR). Newest filing: Form 3, 2026-09-23. Filings on record since 1996. Read from EDGAR 2026-10-12.
Where the revenue comes from
Product and service lines in fiscal 2025: Merchandise 55%, Pawn Service 37%, Jewelry Scrap 8%, Product and Service Other under 1%. By geography: United States 72%, Mexico 21%, Latin America 7%. As tagged in its annual report (Form 10-K, filed 2025-11-13).
Who runs it
Kulas, Jason A. (Chief Executive Officer); Given, Lachlan P (Chief Executive Officer); Jugmans, Timothy (Chief Financial Officer); Powell, John Blair Jr. (Chief Operating Officer); Hernandez, Lucy (Chief Operations Admin Officer); Bryant, Ellen H (Chief Legal Officer); Sajnani, Sunil (Chief Audit/LP Executive); Swies, Nicole (Chief Revenue Officer); Croney, Michael James (Chief Accounting Officer); Vanroekel, Lisa (Chief Human Resources Officer); and 5 more. 15 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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