# EZCORP, INC. (EZPW) FY2026 YTD Q3 Statement of Cash Flows

- Company: EZCORP, INC. (EZPW)
- Period: 2025-10-01 to 2026-06-30
- Filing: Q3 FY2026 10-Q, filed 2026-08-05, accession number 0000876523-26-000063
- Page: https://plicit.ai/financials/ezpw/fy2026-ytd-q3-cash-flow
- Chart image: https://plicit.ai/charts/ezpw-fy2026-ytd-q3-cash-flow-sankey.png

## Chart details

Cash flows for Oct 1, 2025 through Jun 30, 2026. Cash basis: Cash, cash equivalents, and restricted cash. Beginning cash: Sep 30, 2025. Ending cash: Jun 30, 2026. Beginning and ending cash are dated balances. Positive cash flows add cash; negative cash flows reduce it.

- **Beginning cash on Sep 30, 2025**: 484,713,000 US dollars. Beginning cash: Cash, cash equivalents, and restricted cash
- **Operating activities**: 130,388,000 US dollars. Net cash provided.
- **Net income**: 132,382,000 US dollars
- **Depreciation and amortization**: 27,994,000 US dollars
- **Amortization of deferred financing costs**: 1,419,000 US dollars
- **Non-cash lease expense**: 51,276,000 US dollars
- **Deferred income taxes**: 1,000 US dollars
- **Other adjustments**: negative 873,000 US dollars
- **Provision for inventory reserve**: negative 680,000 US dollars
- **Stock compensation expense**: 12,644,000 US dollars
- **Equity in net income from investment in unconsolidated affiliates**: negative 4,884,000 US dollars
- **Gain from remeasurement of previously held equity interest**: negative 1,596,000 US dollars
- **Pawn service charges receivable**: negative 2,697,000 US dollars
- **Inventory**: negative 15,471,000 US dollars
- **Prepaid expenses, other current assets and other assets**: 1,086,000 US dollars
- **Accounts payable, accrued expenses and other liabilities**: negative 70,766,000 US dollars
- **Customer layaway deposits**: 6,282,000 US dollars
- **Income taxes**: negative 5,729,000 US dollars
- **Investing activities**: negative 125,466,000 US dollars. Net cash used.
- **Loans made**: negative 948,262,000 US dollars
- **Loans repaid**: 535,597,000 US dollars
- **Recovery of pawn loan principal through sale of forfeited collateral**: 358,661,000 US dollars
- **Capital expenditures**: negative 27,808,000 US dollars
- **Acquisitions, net of cash acquired**: negative 31,135,000 US dollars
- **Issuance of notes receivable**: negative 9,000,000 US dollars
- **Proceeds of notes receivable**: 0 US dollars
- **Investment in unconsolidated affiliate**: negative 7,448,000 US dollars
- **Dividends from unconsolidated affiliates**: 3,929,000 US dollars
- **Financing activities**: negative 164,160,000 US dollars. Net cash used.
- **Taxes paid related to net share settlement of equity awards**: negative 6,347,000 US dollars
- **Proceeds from issuance of debt**: 0 US dollars
- **Debt issuance cost**: 0 US dollars
- **Payments on debt**: negative 134,151,000 US dollars
- **Purchase and retirement of treasury stock**: negative 8,038,000 US dollars
- **Payments of finance leases**: negative 761,000 US dollars
- **Payment of contingent consideration**: negative 550,000 US dollars
- **Acquisition of non-controlling interest**: negative 14,313,000 US dollars
- **Operating adjustment reconciliation**: 102,696,000 US dollars. Intermediate calculation joining the operating reconciliation branches. Its gross amount includes any portion of net income routed through this junction. It is not an additional cash source or use.
- **financing gross reconciliation**: 164,160,000 US dollars. Gross amount at the activity's junction before offsetting its receipts and deductions. It is not an additional cash source or use.
- **investing gross reconciliation**: 1,023,653,000 US dollars. Gross amount at the activity's junction before offsetting its receipts and deductions. It is not an additional cash source or use.
- **Exchange-rate effect**: 1,223,000 US dollars
- **Ending cash on Jun 30, 2026**: 326,698,000 US dollars. Ending cash: Cash, cash equivalents, and restricted cash
- **Cash sources and uses**: 616,324,000 US dollars. Opening cash plus net sources, equal to net uses plus ending cash.
- **Net cash change**: negative 158,015,000 US dollars. Ending cash minus beginning cash.
- **Cash flow / Net income**: 0.98×. Operating cash flow divided by reconciliation net income for the same period. Black from 0.90× through 1.10×; green above 1.10×; red below 0.90×. Color uses the unrounded ratio.
- **Operating cash flow**: 130,388,000 US dollars. Operating cash flow used in the free cash flow calculation.
- **cash spent on productive assets**: 27,808,000 US dollars. These cash purchases are already included in investing activities above.
- **Free cash flow**: 102,580,000 US dollars. A supplemental measure; finance-lease payments are excluded from this definition.

### Chart connections

- Beginning cash plus operating, investing and financing cash flows plus the exchange-rate effect equals ending cash. Negative amounts reduce cash.
- Financing contributions meet at a reconciliation junction before connecting to the net cash total.
- Investing contributions meet at a reconciliation junction before connecting to the net cash total.
- Operating reconciliation adjustments are not all independent cash receipts.
- Net income exceeds operating cash. The diagram allocates $130.39M of net income directly to operating cash and $1.99M to the adjustment junction, where it combines with other additions to reconcile deductions. This is an accounting presentation, not a tracing of cash receipts.
- Each activity has one net cash bar connected to the shared cash pool. Positive activity totals enter the pool; negative activity totals leave the pool to fund that activity's net payments. The central pool does not assign a particular funding source to a particular payment.
- The intermediate calculation bars include both sides of the displayed activity breakdowns; they are not additional cash flows.
- Operating cash flow minus cash spent on productive assets equals free cash flow: 130,388,000 US dollars minus 27,808,000 US dollars equals 102,580,000 US dollars.