EZCORP (EZPW) AI Stock Analysis

• Market Cap: $1.07B
• Dividend Yield: N/A
• Average Volume (3M): 808.51K
• Price to Earnings (P/E): 14.4
• Beta (1Y): 0.03
• Revenue Growth: 8.31%
• EPS Growth: 23.50%
• Country: US
• Employees: 8,000
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.33
• Shares Outstanding: 57,925,964
• 10 Day Avg. Volume: 534,824
• 30 Day Avg. Volume: 808,511
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.34
• Enterprise Value/Revenue: 1.16
• Enterprise Value/Gross Profit: 1.98
• Enterprise Value/Ebitda: 7.65
• 1Y Price Target: $25.00
• Price Target Upside: 41.24% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 1.45
• Revenue Forecast (FY): $1.35B

• Rating: 79 Outperform
• Price Target: $20.50 ▲(15.82% Upside)

EZCORP's strong financial performance and positive earnings call sentiment are the primary drivers of its overall score. The company's consistent revenue growth, improved profitability, and effective cash flow management enhance its financial stability. Technical analysis indicates moderate upward momentum, while valuation metrics suggest the stock is fairly valued. The absence of a dividend yield and challenges in inventory management slightly temper the overall outlook.

Positive Factors

Revenue Growth

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

Store Expansion

Expanding store footprint strengthens market presence and potential revenue streams, supporting sustained growth and competitive positioning.

Cash Flow Management

Strong cash flow growth reflects efficient capital management, providing resources for strategic investments and financial resilience.

Negative Factors

Inventory Management

Rapid inventory growth can lead to inefficiencies and increased holding costs, potentially impacting profitability and operational agility.

Cash Position Decline

A declining cash position may limit financial flexibility and ability to capitalize on growth opportunities, affecting long-term strategic initiatives.

Merchandise Margins

Declining merchandise margins can reduce profitability, necessitating improved pricing strategies or cost management to maintain earnings.

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 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, improved profitability, and effective cash flow management. The company has reduced its leverage, enhancing financial stability, and increased its equity ratio, reflecting a solid financial foundation. Despite minor fluctuations in EBIT and EBITDA margins, the overall outlook remains positive with room for further optimization in asset utilization.

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: Neutral
• Last Price: 17.70
• 50DMA: Negative
• 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 Neutral. The current price of 17.7 is below the 20-day moving average (MA) of 18.18, below the 50-day MA of 17.94, and above the 200-day MA of 15.16, indicating a neutral trend. The MACD of -0.08 indicates Positive momentum. The RSI at 45.95 is Neutral, neither overbought nor oversold. The STOCH value of 36.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for EZPW.

EZCORP Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EZPW	79 Outperform	$1.07B	14.35	10.95%	―	8.31%	23.50%
YRD	75 Outperform	$453.63M	2.56	13.64%	8.30%	12.69%	-35.36%
RM	74 Outperform	$400.49M	9.90	11.43%	3.04%	9.63%	77.14%
FCFS	71 Outperform	$7.15B	23.38	14.75%	0.98%	3.86%	28.06%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WRLD	63 Neutral	$708.88M	12.64	14.57%	―	2.31%	―
OPRT	51 Neutral	$206.97M	7.19	8.59%	―	-5.29%	―

EZCORP Corporate Events

EZCORP Inc. Reports Strong Earnings and Growth

EZCORP Inc. recently held its earnings call, revealing a generally positive sentiment driven by strong financial performance and growth in key areas. The company reported record revenue and expanded its store footprint, showcasing significant earnings growth and successful digital engagement initiatives. Despite facing challenges such as inventory growth outpacing Pawn Loans Outstanding (PLO) and increased expenses in Latin America, the overall sentiment remains optimistic due to the substantial highlights presented.

EZCORP Inc. Reports Strong Q3 2025 Growth

EZCORP Inc., a prominent player in the pawn transaction industry across the United States and Latin America, specializes in providing short-term cash solutions and selling pre-owned merchandise. The company is publicly traded on NASDAQ under the symbol EZPW.