EZCORP (EZPW) AI Stock Analysis

• Market Cap: $1.17B
• Dividend Yield: N/A
• Average Volume (3M): 613.38K
• Price to Earnings (P/E): 14.1
• Beta (1Y): 0.10
• 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: 652,498
• 30 Day Avg. Volume: 613,375
• PEG Ratio: 0.77
• Price to Book (P/B): 1.07
• Price to Sales (P/S): 0.86
• P/FCF Ratio: 7.34
• Enterprise Value/Market Cap: 1.60
• Enterprise Value/Revenue: 1.53
• Enterprise Value/Gross Profit: 2.60
• Enterprise Value/Ebitda: 10.03
• 1Y Price Target: $23.75
• Price Target Upside: 22.74% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 5
• EPS Forecast (FY): 1.45
• Revenue Forecast (FY): $1.36B

• Rating: 75 Outperform
• Price Target: $20.00 ▲(3.36% Upside)

EZCORP's strong financial performance and positive earnings call are the most significant factors, reflecting robust growth and successful strategic initiatives. Technical indicators suggest a neutral trend, and valuation is reasonable, though the lack of a dividend yield is a minor drawback.

Positive Factors

Revenue Growth

The consistent revenue growth indicates strong market demand and effective business strategies, enhancing long-term financial stability and market position.

Digital Transformation

Successful digital initiatives enhance customer engagement and operational efficiency, positioning EZCORP for sustained growth in a digital-first economy.

Cash Generation

Strong cash reserves provide financial flexibility, enabling strategic investments and cushioning against economic downturns, supporting long-term resilience.

Negative Factors

Operational Efficiency

Operational inefficiencies, as indicated by negative EBIT margins, could hinder profitability and growth, requiring strategic adjustments to improve margins.

Inventory Management

Rising inventory levels may lead to increased holding costs and potential write-downs, impacting cash flow and profitability if not managed effectively.

Gold Price Exposure

Dependence on gold prices introduces volatility to revenue streams, posing risks to earnings stability if gold prices decline, necessitating diversification.

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 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 2025	Dec 2024	Dec 2023	Dec 2022
Income Statement
Total Revenue	1.23B	―	1.27B	1.16B	1.05B	886.23M
Gross Profit	722.88M	―	746.07M	682.27M	609.84M	528.15M
EBITDA	187.34M	―	202.34M	162.26M	100.22M	109.83M
Net Income	98.11M	―	109.61M	83.09M	38.46M	50.16M
Balance Sheet
Total Assets	1.88B	―	1.95B	1.49B	1.47B	1.35B
Cash, Cash Equivalents and Short-Term Investments	472.09M	―	469.52M	170.51M	220.59M	206.03M
Total Debt	762.08M	―	764.04M	566.94M	610.48M	545.99M
Total Liabilities	893.01M	―	925.72M	688.67M	721.94M	655.65M
Stockholders Equity	990.06M	―	1.03B	804.57M	745.77M	692.23M
Cash Flow
Free Cash Flow	100.83M	―	110.42M	77.84M	61.39M	34.64M
Operating Cash Flow	142.78M	―	148.99M	113.60M	101.83M	66.53M
Investing Cash Flow	-120.37M	―	-117.86M	-111.85M	-110.89M	-113.28M
Financing Cash Flow	238.07M	―	274.42M	-50.18M	23.69M	-2.83M

EZCORP Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 19.35
• 50DMA: Positive
• 100DMA: Positive
• 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 19.35 is above the 20-day moving average (MA) of 18.06, above the 50-day MA of 18.27, and above the 200-day MA of 15.56, indicating a bullish trend. The MACD of 0.25 indicates Negative momentum. The RSI at 67.06 is Neutral, neither overbought nor oversold. The STOCH value of 94.65 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
EZPW	75 Outperform	$1.17B	14.12	11.98%	―	9.70%	26.63%
FCFS	71 Outperform	$6.99B	22.87	14.75%	1.00%	3.86%	28.06%
YRD	70 Outperform	$381.92M	2.21	12.53%	9.50%	10.48%	-30.67%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
RM	67 Neutral	$369.48M	9.22	11.43%	3.19%	9.63%	77.14%
WRLD	67 Neutral	$784.03M	14.89	14.57%	―	2.31%	-27.81%
OPRT	64 Neutral	$225.94M	7.77	8.59%	―	-5.29%	―

EZCORP Corporate Events

EZCORP Reports Record Revenue and Growth in 2025

EZCORP, Inc., a prominent provider of pawn transactions in the United States and Latin America, specializes in offering immediate cash solutions and selling pre-owned and recycled merchandise. The company recently announced its financial results for the fourth quarter and full year of fiscal 2025, highlighting record revenues and significant growth in key financial metrics. EZCORP reported a 76% increase in net income for the fourth quarter, reaching $26.7 million, with diluted earnings per share rising by 62% to $0.34. The company’s total revenues for the quarter increased by 14% to $336.8 million, while gross profit rose by 13% to $198.6 million. For the full year, EZCORP achieved a 10% increase in total revenues, amounting to $1,274.3 million, and a 9% rise in gross profit to $746.1 million. The company expanded its footprint by adding 81 new stores, including 52 acquired locations and 40 de novo stores. Looking ahead, EZCORP’s management remains optimistic about sustaining growth through strategic acquisitions and store expansions, with a focus on enhancing operational efficiency and delivering long-term value to shareholders.

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.

The most recent analyst rating on (EZPW) stock is a Buy with a $23.00 price target. To see the full list of analyst forecasts on EZCORP stock, see the EZPW Stock Forecast page.