EZCORP (EZPW) AI Stock Analysis

• Market Cap: $1.24B
• Dividend Yield: N/A
• Average Volume (3M): 1.02M
• Price to Earnings (P/E): 14.9
• Beta (1Y): 0.09
• Revenue Growth: 9.70%
• EPS Growth: 26.63%
• Country: US
• Employees: 8,000
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.34
• Shares Outstanding: 57,921,450
• 10 Day Avg. Volume: 1,832,598
• 30 Day Avg. Volume: 1,024,045
• PEG Ratio: 0.77
• Price to Book (P/B): 1.07
• Price to Sales (P/S): 0.86
• P/FCF Ratio: 9.91
• Enterprise Value/Market Cap: 1.51
• Enterprise Value/Revenue: 1.48
• Enterprise Value/Gross Profit: 2.52
• Enterprise Value/Ebitda: 9.29
• 1Y Price Target: $23.75
• Price Target Upside: 16.54% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 5
• EPS Forecast (FY): 1.47
• Revenue Forecast (FY): $1.36B

• Rating: 75 Outperform
• Price Target: $23.00 ▲(12.86% Upside)

EZCORP's strong financial performance and successful expansion efforts are the most significant factors driving the score. Technical indicators suggest a strong upward trend, though caution is advised due to overbought signals. The company's reasonable valuation and positive earnings call further support the stock's potential.

Positive Factors

Revenue Growth

The consistent revenue growth reflects strong market demand and effective business strategies, positioning EZCORP for continued expansion and profitability.

Digital Transformation

The successful digital transformation enhances customer engagement and operational efficiency, supporting long-term growth and competitive advantage.

Expansion and Market Presence

Strategic expansion increases market presence and operational scale, driving strong earnings momentum and positioning for sustainable growth.

Negative Factors

Operational Efficiency Challenges

Operational inefficiencies could hinder profitability, requiring management focus on cost control and process improvements to sustain margins.

Inventory Management

Inefficient inventory management can lead to increased holding costs and reduced liquidity, impacting financial stability and operational flexibility.

Exposure to Commodity Prices

Reliance on fluctuating gold prices introduces revenue volatility, posing a risk to financial performance if prices decline.

EZCORP Business Overview & Revenue Model

Company Description

EZCORP, Inc. (NASDAQ: EZPW) is a leading provider of pawn and consumer finance services, primarily operating in the United States and Mexico. The company offers a variety of financial services, including pawn loans, title loans, and retail sales of merchandise such as jewelry, electronics, and other goods. EZCORP operates through its subsidiaries, which include EZPawn and Cash America, focusing on delivering accessible financial solutions to underserved consumers.

How the Company Makes Money

EZCORP generates revenue primarily through its pawn and consumer finance services. The core revenue streams include interest income from pawn loans and title loans, where customers borrow money against the value of their collateralized items. Additionally, the company earns revenue from the retail sale of unredeemed pawned items and merchandise acquired through other means. Significant partnerships with various financial service providers enhance its offerings, while factors such as market demand for short-term loans and the resale value of pawned goods contribute to its earnings. Overall, the company's revenue model is centered around providing financial solutions to customers while managing risk associated with pawn transactions.

EZCORP Financial Statement Overview

Summary

EZCORP shows positive financial trends with strong revenue and cash flow growth. Challenges in operational efficiency are indicated by the negative EBIT margin, but leverage management and return on equity have improved.

Income Statement

EZCORP has shown consistent revenue growth over the years, with a 3.43% increase in the latest period. The gross profit margin is strong, indicating efficient cost management. However, the negative EBIT margin in the latest year suggests challenges in operational efficiency, though the EBITDA margin remains positive, highlighting potential for improvement.

Balance Sheet

The company's debt-to-equity ratio has improved, indicating better leverage management. Return on equity has shown an upward trend, reflecting improved profitability. The equity ratio is stable, suggesting a solid capital structure, but the high total debt remains a concern.

Cash Flow

EZCORP has demonstrated strong free cash flow growth, with a significant increase of 30.901% in the latest period. The operating cash flow to net income ratio is healthy, indicating good cash generation relative to net income. The free cash flow to net income ratio is also robust, supporting the company's liquidity position.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.27B	1.27B	1.16B	1.05B	886.23M	729.55M
Gross Profit	746.07M	746.07M	682.27M	609.84M	528.15M	449.49M
EBITDA	202.34M	202.34M	162.26M	100.22M	109.83M	117.39M
Net Income	109.61M	109.61M	83.09M	38.46M	50.16M	8.61M
Balance Sheet
Total Assets	1.95B	1.95B	1.49B	1.47B	1.35B	1.27B
Cash, Cash Equivalents and Short-Term Investments	469.52M	469.52M	170.51M	220.59M	206.03M	253.67M
Total Debt	764.04M	764.04M	566.94M	610.48M	545.99M	477.78M
Total Liabilities	925.72M	925.72M	688.67M	721.94M	655.65M	594.67M
Stockholders Equity	1.03B	1.03B	804.57M	745.77M	692.23M	672.24M
Cash Flow
Free Cash Flow	112.14M	110.42M	77.84M	61.39M	34.64M	22.84M
Operating Cash Flow	150.70M	148.99M	113.60M	101.83M	66.53M	46.44M
Investing Cash Flow	-119.57M	-117.86M	-111.85M	-110.89M	-113.28M	-84.61M
Financing Cash Flow	274.42M	274.42M	-50.18M	23.69M	-2.83M	-16.25M

EZCORP Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 20.38
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• 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 20.38 is above the 20-day moving average (MA) of 19.52, above the 50-day MA of 18.72, and above the 200-day MA of 15.94, indicating a bullish trend. The MACD of 0.70 indicates Negative momentum. The RSI at 64.21 is Neutral, neither overbought nor oversold. The STOCH value of 51.08 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
FCFS	78 Outperform	$7.17B	23.47	14.75%	0.98%	3.86%	28.06%
EZPW	75 Outperform	$1.24B	14.92	11.98%	―	9.70%	26.63%
YRD	70 Outperform	$374.14M	2.17	12.53%	9.70%	10.48%	-30.67%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
RM	64 Neutral	$379.87M	9.48	11.43%	3.07%	9.63%	77.14%
WRLD	64 Neutral	$739.79M	14.05	14.57%	―	2.31%	-27.81%
OPRT	64 Neutral	$242.27M	8.34	8.59%	―	-5.29%	―

EZCORP Corporate Events

EZCORP Reports Record Q4 and Fiscal Year Results

On November 13, 2025, EZCORP reported record financial results for its fourth quarter and full fiscal year ended September 30, 2025. The company achieved significant growth, with a 76% increase in net income for the fourth quarter and a 29% rise in full-year diluted earnings per share. The expansion of its store network by 81 locations and strong demand for pawn services contributed to a 10% increase in total revenues for the year. EZCORP’s strategic acquisitions and store openings, particularly in the U.S. and Latin America, have bolstered its market presence and operational scale, driving strong earnings momentum and positioning the company for sustainable growth.