EZCORP (EZPW) AI Stock Analysis

• Market Cap: $899.34M
• Dividend Yield: N/A
• Average Volume (3M): 1.81M
• Price to Earnings (P/E): 14.4
• Beta (1Y): 0.14
• Revenue Growth: 8.14%
• EPS Growth: 14.79%
• Country: US
• Employees: 8,000
• Sector: Financial
• Sector Strength: 87
• Industry: Financial - Credit Services
• EPS (TTM): 1.13
• Shares Outstanding: 51,968,414
• 10 Day Avg. Volume: 2,322,311
• 30 Day Avg. Volume: 1,814,506
• PEG Ratio: 0.98
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.75
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: 2.31
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $20.33
• Price Target Upside: 24.19% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

EZCORP's strong financial performance and positive earnings call sentiment are key strengths, driving the overall favorable score. Significant growth in revenue and strategic expansions, particularly in Latin America, contribute to this positive outlook. Technical analysis indicates strong upward momentum, although caution is advised due to potential overbought conditions. The valuation is reasonable, though the lack of a dividend yield may limit attractiveness for some investors.

Positive Factors

Financial Performance

EZCORP reported another record quarter, with Q2 sales 2% ahead of expectations, driven by an 11% increase in pawn loans outstanding.

Financial Strategy

The company has a cleaner capital structure after retiring convertible notes, which justifies a higher valuation multiple.

Growth Potential

EZPW continues to open new stores in Latin America, particularly in Mexico, where new locations become profitable quickly, enhancing growth potential.

Negative Factors

External Economic Factors

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

Geographic Expansion

The termination of the acquisition agreement with Auto Dinero was unfortunate, affecting EZPW's geographic expansion plans in Mexico.

Interest Expenses

Interest expenses are expected to increase due to the new senior notes offering.

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 services, which involve providing short-term, secured loans to customers in exchange for personal property as collateral. Customers can either repay the loan and reclaim their property or forfeit the collateral, which EZCORP then sells through its retail storefronts. The company earns interest and fees on the pawn loans, contributing to a significant portion of its revenue. Additionally, the sale of forfeited merchandise through retail channels provides another key revenue stream. EZCORP's operations across the U.S. and Latin America help diversify its income sources while strategic store locations and customer relationships enhance its profitability.

EZCORP Financial Statement Overview

Summary

EZCORP shows strong financial performance with significant revenue and profit growth, efficient operations, and robust cash flow generation. The company maintains a stable balance sheet with prudent leverage, but should continue monitoring its debt levels.

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
Sep 2024	Sep 2023	Sep 2022	Sep 2021	Sep 2020
Income Statement		Total Revenue
1.16B	1.05B	886.23M	729.55M	822.81M
	Gross Profit
682.27M	609.84M	528.15M	449.49M	449.24M
	EBIT
112.53M	92.15M	74.92M	31.17M	7.84M
	EBITDA
162.26M	100.22M	162.03M	117.39M	28.85M
	Net Income Common Stockholders
83.09M	38.46M	50.16M	8.61M	-68.46M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
170.51M	220.59M	206.03M	253.67M	304.54M
	Total Assets
1.49B	1.47B	1.35B	1.27B	1.20B
	Total Debt
566.94M	610.48M	545.99M	477.78M	454.01M
	Net Debt
396.43M	389.89M	339.96M	224.11M	149.47M
	Total Liabilities
688.67M	721.94M	655.65M	594.67M	547.90M
	Stockholders Equity
804.57M	745.77M	692.23M	672.24M	649.13M
Cash Flow		Free Cash Flow
77.84M	61.39M	34.64M	22.84M	20.55M
	Operating Cash Flow
113.60M	101.83M	66.53M	46.44M	49.08M
	Investing Cash Flow
-111.85M	-110.89M	-113.28M	-84.61M	109.90M
	Financing Cash Flow
-50.18M	23.69M	-2.83M	-16.25M	-6.25M

EZCORP Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.37
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 16.37 is above the 20-day moving average (MA) of 15.78, above the 50-day MA of 14.66, and above the 200-day MA of 12.45, indicating a bullish trend. The MACD of 0.46 indicates Positive momentum. The RSI at 64.83 is Neutral, neither overbought nor oversold. The STOCH value of 61.90 is Neutral, 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
YRD	84 Outperform	$564.42M	2.60	17.96%	2.71%	17.07%	-8.81%
EZPW	81 Outperform	$899.34M	14.43	10.84%	―	8.14%	14.79%
WRLD	78 Outperform	$742.01M	7.89	20.78%	―	-1.46%	―
FCFS	74 Outperform	$5.94B	21.24	13.70%	1.12%	5.06%	―
OMF	67 Neutral	$5.15B	10.18	17.46%	8.55%	9.07%	―
Sector *	63 Neutral	$12.46B	9.55	8.14%	17103.96%	12.70%	-4.66%
PRAA	60 Neutral	$732.11M	10.38	6.13%	―	39.47%	―

EZCORP Corporate Events

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.

Spark’s Take on EZPW Stock

According to Spark, TipRanks’ AI Analyst, EZPW is a Outperform.

EZCORP’s strong financial performance and robust technical indicators are key strengths, driving an overall favorable score. The company benefits from strategic growth initiatives and has shown resilience in expanding markets. However, caution is needed due to potential risks like high leverage and overbought technical conditions.

To see Spark’s full report on EZPW stock, click here.

EZCORP Ends Acquisition Deal with Presta Dinero

On March 19, 2025, EZCORP, Inc. announced the termination of its agreement to acquire 53 pawn stores in Mexico from Presta Dinero, S.A. de C.V., an agreement initially made on September 10, 2024. Despite this setback, the company remains optimistic about its expansion opportunities in Mexico, where it currently operates over 560 stores and continues to grow through opening new stores and pursuing strategic acquisitions.

EZCORP 2025 Annual Meeting Highlights Strategic Plans

EZCORP held its 2025 Annual Meeting of Stockholders on March 13, 2025, where the sole holder of the Company’s Class B Voting Common Stock re-elected the board members for a one-year term. The meeting did not involve any voting by the Class A Non-Voting Common Stockholders, but management discussed strategic plans and initiatives and provided a presentation available on the company’s website.

EZCORP Achieves Record Growth in Q1 Fiscal 2025

On February 5, 2025, EZCORP reported record first-quarter fiscal 2025 results with significant financial growth, including a 13% increase in pawn loans outstanding to $274.8 million and a 9% rise in net income to $31.0 million. The company demonstrated strong geographical performance, with U.S. pawn loans up 15% and Latin America pawn loans rising 19% on a constant currency basis, reflecting high customer demand and improved operational performance. The results underscore EZCORP’s strategic initiatives and robust market positioning, as the company aims for continued growth through exceptional customer service and strategic mergers and acquisitions.