EZCORP INC (EZPW) [Rocket]

In millions, except per share items	Sep-30-22	Sep-30-21	Sep-30-20	Sep-30-19	Sep-30-18	Sep-30-17	Sep-30-16	Sep-30-15
	10-K	10-K	10-K	10-K	10-K	10-K	10-K	10-K
Revenues:
U.S. Pawn	658.8	553.6	638.8	650.4	635.8	638.9	626.8	606.1
Other International				5.6	8.1	8.0	8.8	13.2
Other	227.5	176.0	183.9	191.2	168.3	101.0	94.9	100.7
Total revenues [+]	886.2	729.6	822.8	847.2	812.2	748.0	730.5	720.0
Products								402.1
Other								12.7
Revenue growth [+]	21.5%	-11.3%	-2.9%	4.3%	8.6%	2.4%	1.5%	-3.5%
U.S. Pawn	19.0%	-13.3%	-1.8%	2.3%	-0.5%	1.9%	3.4%	-4.4%
Other International				-30.7%	1.7%	-9.2%	-33.3%	-3.0%
Unit growth	2.4%	14.2%	-0.9%	2.6%	25.7%	0.0%	-5.8%	-38.6%
Cost of goods sold [+]	358.1	280.1	373.6	352.8	330.6	312.4	302.3	270.9
Cost of product sales								267.8
Other cost of sales								3.1
Gross profit	528.1	449.5	449.2	494.4	481.6	435.5	428.2	449.1
Gross margin	59.6%	61.6%	54.6%	58.4%	59.3%	58.2%	58.6%	62.4%
Selling, general and administrative [+]	64.3	56.5	54.1	63.7	53.6	53.5	68.1	73.0
General and administrative	64.3	56.5	54.1	63.7	53.6	53.5	68.1	73.0
Equity in earnings	1.8	3.8	-2.4	-0.1	5.5	4.9	-0.3	-5.5
Other operating expenses	356.7	331.1	358.0	355.0	335.3	305.3	301.4	341.0
EBITDA [+]	108.8	65.6	34.7	75.7	98.1	81.6	60.6	35.7
EBITDA growth	65.8%	89.3%	-54.2%	-22.9%	20.2%	34.7%	69.8%	-43.8%
EBITDA margin	12.3%	9.0%	4.2%	8.9%	12.1%	10.9%	8.3%	5.0%
Depreciation and amortization	32.1	30.7	30.8	28.8	25.5	23.7	28.7	37.0
EBIT [+]	76.7	35.0	3.9	46.9	72.7	58.0	31.9	-1.3
EBIT growth	119.3%	807.7%	-91.8%	-35.5%	25.4%	81.4%	-2489.3%	-105.4%
EBIT margin	8.7%	4.8%	0.5%	5.5%	8.9%	7.7%	4.4%	-0.2%
Non-recurring items [+]			54.7				3.0	19.7
Asset impairment			54.7
Loss (gain) on disposal of assets							1.1	2.7
Interest expense, net [+]	9.2	19.7	19.3	21.6	10.8	15.7	16.4	16.1
Interest expense	10.0	22.2	22.5	32.6	27.8	27.8	16.5	16.4
Interest income	0.8	2.5	3.2	11.1	17.0	12.1	0.1	0.3
Other income (expense), net [+]	0.2	0.8	0.0	-21.1	-6.3	0.4	-12.2	-29.0
Gain (loss) on investments							11.0	26.8
Other	0.2	0.8	0.0	-1.4	5.4	0.4	-1.2	-2.2
Pre-tax income	67.7	16.1	-70.1	4.2	55.5	42.7	0.4	-66.2
Income taxes	17.6	7.5	-1.6	2.4	18.4	11.1	9.4	-14.0
Tax rate	25.9%	46.4%	2.3%	57.6%	33.1%	26.0%	2578.8%	21.2%
Minority interest				-1.2	-1.0	-1.7	-7.7	-5.0
Earnings from continuing ops	50.2	8.6	-68.5	4.8	75.3	64.8	-1.3	-47.1
Earnings from discontinued ops				-0.5	-0.9	-1.8	-79.4	-42.0
Net income	50.2	8.6	-68.5	4.3	74.4	63.0	-80.7	-89.2
Net margin	5.7%	1.2%	-8.3%	0.5%	9.2%	8.4%	-11.1%	-12.4%

Basic EPS [+]	$0.89	$0.15	($1.24)	$0.09	$1.38	$1.19	($0.02)	($0.87)
Growth	474.7%	-112.5%	-1537.2%	-93.8%	15.7%	-5055.8%	-97.2%	-581.2%
Diluted EPS [+]	$0.61	$0.15	($1.24)	$0.09	$1.30	$1.19	($0.02)	($0.87)
Growth	295.5%	-112.4%	-1553.9%	-93.5%	9.1%	-5045.9%	-97.2%	-582.5%

Shares outstanding (basic) [+]	56.5	55.7	55.3	55.3	54.5	54.3	54.4	54.4
Growth	1.4%	0.8%	-0.1%	1.6%	0.4%	-0.3%	0.1%	0.4%
Shares outstanding (diluted) [+]	82.4	55.9	55.3	56.0	57.9	54.4	54.4	54.4
Growth	47.3%	1.1%	-1.2%	-3.3%	6.5%	-0.1%	0.1%	0.1%

EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.