EZCORP/$EZPW
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About EZCORP
EZCORP Inc is a United States-based company engaged in offering pawn loans in the United States and Mexico. It also offers short-term unsecured loans and other consumer financial products, and buys and sells second-hand goods. The operating segments of the company are U.S. Pawn, Latin America Pawn, and Other Investments. The U.S. Pawn segment includes all pawn activities in the United States. The Latin America Pawn segment includes all pawn activities in Mexico and other parts of Latin America. The company generates revenue from merchandise sales, jewelry scrapping sales, and pawn service charges, of which key revenue is derived from the merchandise sales, which are mainly collateral forfeited from pawn lending operations and used merchandise purchased from the customers.
- Ticker
- $EZPW
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 8,500
- Headquarters
- Austin, United States
- Website
- www.ezcorp.com
EZCORP Metrics
BasicAdvanced
$2B
16.63
$1.99
0.64
-
Price and volume
Market cap
$2B
Beta
0.64
52-week high
$37.13
52-week low
$16.50
Average daily volume
671K
Financial strength
Current ratio
4.811
Quick ratio
1.673
Long term debt to equity
0.635
Total debt to equity
0.695
Interest coverage (TTM)
6.72%
Profitability
EBITDA (TTM)
258.129
Gross margin (TTM)
58.55%
Net profit margin (TTM)
9.99%
Operating margin (TTM)
14.01%
Effective tax rate (TTM)
25.29%
Revenue per employee (TTM)
$190,000
Management effectiveness
Return on assets (TTM)
6.85%
Return on equity (TTM)
14.75%
Valuation
Price to earnings (TTM)
16.628
Price to revenue (TTM)
1.28
Price to book
1.75
Price to tangible book (TTM)
3.6
Price to free cash flow (TTM)
14.665
Free cash flow yield (TTM)
6.82%
Free cash flow per share (TTM)
2.255
Growth
Revenue change (TTM)
28.61%
Earnings per share change (TTM)
54.71%
3-year revenue growth (CAGR)
16.12%
10-year revenue growth (CAGR)
8.26%
3-year earnings per share growth (CAGR)
59.55%
10-year earnings per share growth (CAGR)
-4.72%
What the Analysts think about EZCORP
Analyst ratings (Buy, Hold, Sell) for EZCORP stock.
Analyst projections of the future price of EZCORP stock.
Bulls say / Bears say
Pawn loans outstanding rose 33% year on year, including 18% same-store growth, while revenue and gross profit excluding SMG increased 21% and 22%. That points to solid demand and growth beyond the effect of acquisitions. (GlobeNewswire)
Latin America offers room to expand: segment contribution grew 56%, EZCORP added 33 stores in Guatemala and opened nine new stores during the quarter. Management also says its new stores are performing above expectations. (GlobeNewswire, The Motley Fool)
Retail execution improved: merchandise gross margin rose to 38% from 36%, while aged general merchandise fell to 1.3% of inventory. Better margins and limited ageing reduce the risk of unsold stock eroding profits. (GlobeNewswire)
Scrap profits may be near a cyclical high: management said margins could normalise towards 15%–20% if gold prices stay stable, versus 26% in the latest quarter. That could slow earnings growth even if core pawn operations remain healthy. (The Motley Fool)
Bringing SMG fully into the group adds integration work across 108 stores in 12 countries, while cash fell to $311 million from $472 million a year earlier, partly due to acquisitions and repaying SMG debt. The enlarged business must deliver enough operating gains to justify that capital commitment. (GlobeNewswire, SEC)
Rapid expansion is adding cost and tying up more capital: Latin American store expenses rose 38% as reported, while inventory grew 40% and turnover eased to 2.3 times from 2.4 times. If stock sells more slowly, cash may be tied up for longer and operating leverage could weaken. (TradingKey)
Data summarised monthly by Lightyear AI. Last updated on 14 Oct 2026.
EZCORP Financial Performance
Revenues and expenses
EZCORP Earnings Performance
Company profitability
Upcoming events
No upcoming events
EZCORP News
AllArticlesVideos
Funds containing EZCORP
AllUSDGBPEUR
Fund name | Fund size | $EZPW weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.11% |
iShares S&P Small Cap 600£ISP6 | £2.4B | 0.11% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.03% |
iShares MSCI World Small Cap$WSML | $9B | 0.02% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.02% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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