EZCORP (EZPW) AI Stock Analysis

• Market Cap: $968.25M
• Dividend Yield: N/A
• Average Volume (3M): 728.29K
• Price to Earnings (P/E): 12.9
• Beta (1Y): 0.14
• Revenue Growth: 8.31%
• EPS Growth: 23.50%
• Country: US
• Employees: 8,000
• Sector: Financial
• Sector Strength: 72
• Industry: Financial - Credit Services
• EPS (TTM): 0.33
• Shares Outstanding: 57,925,964
• 10 Day Avg. Volume: 840,357
• 30 Day Avg. Volume: 728,291
• PEG Ratio: 0.06
• Price to Book (P/B): 0.77
• Price to Sales (P/S): 0.53
• P/FCF Ratio: 7.91
• Enterprise Value/Market Cap: 1.48
• Enterprise Value/Revenue: 1.16
• Enterprise Value/Gross Profit: 1.98
• Enterprise Value/Ebitda: 7.65
• 1Y Price Target: $20.88
• Price Target Upside: 29.93% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4

• Rating: 79 Outperform
• Price Target: $16.50 ▲(2.68% Upside)

EZCORP shows strong financial performance with consistent revenue growth and effective cost management, complemented by strategic expansions. While technical indicators provide mixed signals, the attractive valuation and positive earnings call outlook support a favorable overall stock score.

Positive Factors

Business Performance

EZCORP has done a good job of growing organically via additional store count, higher loan balances and more retail sales.

Economic Environment

The macro environment is very conducive to EZCORP, as pawn lending typically benefits from a weaker economic environment.

Investor Interest

Investor interest in EZPW stock has significantly increased recently.

Negative Factors

Dilution Concerns

The recent range-bound performance in the share price is due to the retirement of its 2025 convertible notes being more dilutive than the market was expecting.

Inflation Impact

Inflation appears to be the key driver for higher inventory balances, making it tougher for customers to repay pawn loans and afford higher-priced items.

Inventory Challenges

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. (EZPW) is a leading provider of pawn and consumer financial services in the United States and Latin America. The company operates through a network of pawn stores and offers a range of services including pawn loans, retail sales of merchandise, and other financial services such as check cashing and title loans. EZCORP focuses on providing customers with quick access to cash and a convenient solution for their financial needs, catering primarily to individuals seeking short-term loans and budget-friendly retail options.

How the Company Makes Money

EZCORP generates revenue primarily through its pawn loans, which are secured by collateral provided by customers. The company charges interest and fees on these loans, which can vary based on the state regulations and the specific terms of the loan. In addition to pawn loans, EZCORP earns revenue from the sale of merchandise that is forfeited by customers who fail to repay their loans, allowing them to profit from both the loan interest and the resale of items. Other significant revenue streams include retail sales of new and used merchandise, along with fees from additional financial services such as check cashing and title loans. Partnerships with various financial institutions also contribute to its earnings by expanding its service offerings and customer base.

EZCORP Financial Statement Overview

Summary

EZCORP demonstrates strong financial health with consistent revenue growth and improved profitability. The company effectively manages cash flow and has reduced leverage, enhancing financial stability. Although there are minor fluctuations in EBIT and EBITDA margins, the overall financial outlook remains positive.

Income Statement

EZCORP has demonstrated consistent revenue growth with a 17.4% increase from 2023 to 2024, and 6.1% from 2024 to TTM. The Gross Profit Margin improved from 58.4% in 2024 to 58.7% TTM, indicating strong profitability. The Net Profit Margin also increased from 7.2% in 2024 to 8.0% TTM, showcasing effective cost management. However, EBIT and EBITDA margins show slight fluctuations, with the EBITDA margin improving to 15.2% TTM, suggesting operational efficiency.

Balance Sheet

EZCORP's balance sheet reflects a solid equity position, with the Equity Ratio improving to 52.5% TTM. The Debt-to-Equity ratio dropped significantly from 0.70 in 2024 to 0.25 TTM, indicating reduced leverage. ROE increased from 10.3% in 2024 to 9.9% TTM, suggesting moderate profitability on equity. The company's financial stability is strong, but there is room for improving asset utilization.

Cash Flow

EZCORP's cash flow performance is robust with a Free Cash Flow Growth Rate of 46.3% from 2024 to TTM. The Operating Cash Flow to Net Income ratio improved to 1.44 TTM, reflecting effective cash management. The Free Cash Flow to Net Income ratio of 1.16 TTM indicates strong cash generation relative to net income, highlighting efficient capital expenditure management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.23B	1.16B	1.05B	886.23M	729.55M	822.81M
Gross Profit	722.88M	682.27M	609.84M	528.15M	449.49M	449.24M
EBITDA	187.34M	162.26M	100.22M	162.03M	117.39M	28.85M
Net Income	98.11M	83.09M	38.46M	50.16M	8.61M	-68.46M
Balance Sheet
Total Assets	1.88B	1.49B	1.47B	1.35B	1.27B	1.20B
Cash, Cash Equivalents and Short-Term Investments	472.09M	170.51M	220.59M	206.03M	253.67M	304.54M
Total Debt	762.08M	566.94M	610.48M	545.99M	477.78M	454.01M
Total Liabilities	893.01M	688.67M	721.94M	655.65M	594.67M	547.90M
Stockholders Equity	990.06M	804.57M	745.77M	692.23M	672.24M	649.13M
Cash Flow
Free Cash Flow	113.81M	77.84M	61.39M	34.64M	22.84M	20.55M
Operating Cash Flow	141.07M	113.60M	101.83M	66.53M	46.44M	49.08M
Investing Cash Flow	-118.66M	-111.85M	-110.89M	-113.28M	-84.61M	109.90M
Financing Cash Flow	238.07M	-50.18M	23.69M	-2.83M	-16.25M	-6.25M

EZCORP Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.07
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 16.07 is above the 20-day moving average (MA) of 14.58, above the 50-day MA of 14.02, and above the 200-day MA of 13.52, indicating a bullish trend. The MACD of 0.58 indicates Negative momentum. The RSI at 71.73 is Negative, neither overbought nor oversold. The STOCH value of 91.08 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	80 Outperform	$6.18B	21.42	14.17%	1.14%	2.49%	24.41%
EZPW	79 Outperform	$968.25M	12.89	10.95%	―	8.31%	23.50%
YRD	74 Outperform	$509.80M	2.77	14.69%	6.61%	12.45%	-36.64%
OMF	73 Outperform	$6.95B	10.57	20.47%	7.26%	9.41%	13.98%
Sector *	68 Neutral	$17.53B	11.77	10.43%	3.83%	9.84%	1.31%
WRLD	67 Neutral	$929.32M	11.51	19.08%	―	0.77%	12.08%
PRAA	64 Neutral	$645.11M	7.11	7.38%	―	18.67%	2254.86%

EZCORP Corporate Events

EZCORP Reports Strong Q3 2025 Financial Results

On July 30, 2025, EZCORP reported its third-quarter fiscal 2025 results, showcasing significant growth in earnings and revenue. The company experienced an 11% increase in pawn loans outstanding to $291.6 million and a 48% rise in net income to $26.5 million. Total revenues grew by 11% to $311.0 million, with a 42% increase in adjusted EBITDA to $45.2 million. EZCORP expanded its footprint by adding 52 stores, including 40 in Mexico, reflecting its strategic focus on scaling operations. The company’s strong financial position, with $472 million in liquidity, positions it well for future growth and strategic acquisitions.

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 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.