EZCORP (EZPW) AI Stock Analysis

• Market Cap: $771.84M
• Dividend Yield: N/A
• Average Volume (3M): 822.76K
• Price to Earnings (P/E): 12.4
• Beta (1Y): 0.14
• Revenue Growth: 8.14%
• EPS Growth: 14.79%
• Country: US
• Employees: 8,000
• Sector: Financial
• Sector Strength: 82
• Industry: Financial - Credit Services
• EPS (TTM): 0.34
• Shares Outstanding: 52,043,600
• 10 Day Avg. Volume: 905,546
• 30 Day Avg. Volume: 822,760
• PEG Ratio: 0.02
• Price to Book (P/B): 0.63
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 12.58
• Enterprise Value/Market Cap: 1.00
• Enterprise Value/Revenue: 0.17
• Enterprise Value/Gross Profit: 1.10
• Enterprise Value/Ebitda: 1.22
• 1Y Price Target: $22.00
• Price Target Upside: 56.81% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4

• Rating: 75 Outperform
• Price Target: $15.00 ▲(6.91%Upside)

EZCORP's strong financial performance and strategic growth initiatives are significant strengths, bolstered by positive earnings call sentiment and corporate events. However, mixed technical indicators and valuation constraints slightly temper the overall score.

Positive Factors

Financial Performance

The company now has stronger earnings momentum, a fortified balance sheet, and even more excess cash.

Latin America Turnaround

The turnaround in Latin America has been underappreciated, in our view, and is beginning to pay meaningful dividends.

Share Buyback

A share buyback program is viewed as the clearest way to build credibility with shareholders, employees, analysts, and the broader investment community.

Negative Factors

Currency Impact

The Mexican peso has weakened considerably, which impacts EBITDA for EZPW.

Dilution from Convertible Notes

The conversion of notes was more dilutive than the market was expecting, with the stock closing -5.3% since April 30.

Inventory Concerns

Worried about EZCORP's rising inventories building and slowing turnover rate, which could imply customers are being overextended and forfeiting more.

EZCORP Business Overview & Revenue Model

Company Description

EZCORP, Inc. provides pawn loans in the United States and Latin America. It offers pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. The company also sells merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. In addition, it offers Lana and EZ+ web-based engagement platforms to manage pawn loans. As of September 30, 2021, the company owned and operated 516 pawn stores in the United States; 508 pawn stores in Mexico; and 124 pawn stores in Guatemala, El Salvador, and Honduras. EZCORP, Inc. was founded in 1989 and is headquartered in Austin, Texas.

How the Company Makes Money

EZCORP primarily generates revenue through its pawn loan operations, which involve providing short-term, secured loans to customers who use personal property, such as jewelry, electronics, or tools, as collateral. The company earns interest and fees on these loans, which constitute a significant portion of its income. Additionally, when customers do not redeem their pawned items, EZCORP sells these items through its retail operations, contributing another substantial revenue stream. The company also earns money from ancillary services, including the sale of scrap gold and other precious metals, and occasionally from non-pawn-related financial services. EZCORP's earnings are further supported by strategic acquisitions and partnerships that enhance its market presence and operational efficiency.

EZCORP Financial Statement Overview

Summary

EZCORP exhibits strong financial performance with robust revenue growth, improved profit margins, and efficient operations. The balance sheet is stable with prudent leverage, and cash flow generation is strong, providing flexibility for future growth. However, continuous monitoring of debt levels is advised.

Income Statement

EZCORP has demonstrated strong revenue growth, with a notable TTM increase of 3.52% over the previous year. Gross profit margin improved to 58.72% in the TTM, highlighting effective cost management. The net profit margin also rose to 7.45%, indicating enhanced profitability. The EBIT margin and EBITDA margin are healthy at 10.34% and 14.21%, respectively, showing strong operational efficiency. Overall, the income statement reflects robust growth and profitability.

Balance Sheet

The company's balance sheet is stable, with a manageable debt-to-equity ratio of 0.41 in the TTM, suggesting reasonable leverage. The equity ratio stands at 46.55%, indicating a solid equity position relative to total assets. Return on equity improved to 10.52%, underscoring the company's effective use of equity to generate profit. While the balance sheet shows strength, continuous monitoring of debt levels is advised.

Cash Flow

EZCORP's cash flow is strong, with a significant free cash flow growth rate of 53.73% in the TTM period, demonstrating enhanced liquidity and financial flexibility. The operating cash flow to net income ratio is 1.58, indicating efficient cash generation relative to net income. The free cash flow to net income ratio is also healthy at 1.34. The cash flow statement highlights solid cash management and operational efficiency.

Breakdown	TTM	Sep 2024	Sep 2023	Sep 2022	Sep 2021	Sep 2020
Income Statement
Total Revenue	1.20B	1.16B	1.05B	886.23M	729.55M	822.81M
Gross Profit	705.96M	682.27M	609.84M	528.15M	449.49M	449.24M
EBITDA	170.86M	162.26M	100.22M	162.03M	117.39M	28.85M
Net Income	89.55M	83.09M	38.46M	50.16M	8.61M	-68.46M
Balance Sheet
Total Assets	1.83B	1.49B	1.47B	1.35B	1.27B	1.20B
Cash, Cash Equivalents and Short-Term Investments	505.24M	170.51M	220.59M	206.03M	253.67M	304.54M
Total Debt	862.24M	566.94M	610.48M	545.99M	477.78M	454.01M
Total Liabilities	978.05M	688.67M	721.94M	655.65M	594.67M	547.90M
Stockholders Equity	851.58M	804.57M	745.77M	692.23M	672.24M	649.13M
Cash Flow
Free Cash Flow	111.30M	77.84M	61.39M	34.64M	22.84M	20.55M
Operating Cash Flow	141.77M	113.60M	101.83M	66.53M	46.44M	49.08M
Investing Cash Flow	-108.39M	-111.85M	-110.89M	-113.28M	-84.61M	109.90M
Financing Cash Flow	245.81M	-50.18M	23.69M	-2.83M	-16.25M	-6.25M

EZCORP Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 14.03
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EZPW, the sentiment is Positive. The current price of 14.03 is above the 20-day moving average (MA) of 13.49, below the 50-day MA of 14.08, and above the 200-day MA of 13.05, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 59.55 is Neutral, neither overbought nor oversold. The STOCH value of 92.13 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for EZPW.

EZCORP Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FCFS	81 Outperform	$6.07B	21.90	13.70%	1.11%	5.06%	21.62%
EZPW	75 Outperform	$771.84M	12.37	10.84%	―	8.14%	14.79%
YRD	73 Outperform	$522.76M	2.84	14.69%	3.64%	12.45%	-36.64%
WRLD	69 Neutral	$927.50M	10.69	20.78%	―	-1.46%	25.24%
OMF	68 Neutral	$7.11B	12.65	17.46%	7.02%	9.07%	―
Sector *	62 Neutral	AU$9.88B	7.94	10.79%	5.20%	32.02%	38.31%
PRAA	60 Neutral	$619.47M	8.73	6.03%	―	23.90%	―

EZCORP Corporate Events

EZCORP Expands in Mexico with Pawn Store Acquisition

On June 18, 2025, EZCORP, Inc. announced the acquisition of 40 pawn stores in Mexico, operating under the names Monte Providencia and Tu Empeño Efectivo, as part of its strategic expansion in Latin America. This acquisition not only increases EZCORP’s footprint in Mexico, a market with strong financial performance and growth potential, but also diversifies its pawn portfolio by expanding into the auto pawn segment, which allows for higher dollar auto loan transactions and attracts a new customer base.

The most recent analyst rating on (EZPW) stock is a Buy with a $16.00 price target. To see the full list of analyst forecasts on EZCORP stock, see the EZPW Stock Forecast page.

EZCORP Completes Retirement of Convertible Senior Notes

On May 1, 2025, EZCORP announced the retirement of its $103.4 million aggregate principal amount of 2.375% Convertible Senior Notes due 2025. Holders converted approximately $97 million of the notes into 6.1 million shares of EZCORP Class A Common Stock, while the company repaid the remaining principal balance of $6.4 million in cash, along with interest and cash in lieu of fractional shares totaling $1.2 million. This financial maneuver marks a significant step in EZCORP’s financial strategy, potentially impacting its market positioning and stakeholder interests.

EZCORP Reports Strong Q2 2025 Financial Results

EZCORP reported strong financial results for the second quarter of fiscal 2025, ending March 31, with an 11% increase in pawn loans outstanding to $261.8 million and an 18% rise in net income to $25.4 million. The company completed a $300 million private offering of senior notes due 2032, enhancing its financial flexibility and capital structure, while its operational performance reflected robust demand across geographies, contributing to a 23% increase in adjusted EBITDA to $45.1 million.