(EZPW) EZCORP - Overview
Stock: Pawn Loans, Retail Merchandise, Jewelry, Electronics, Web App
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 48.7% |
| Relative Tail Risk | -10.9% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.20 |
| Alpha | 101.64 |
| Character TTM | |
|---|---|
| Beta | 0.317 |
| Beta Downside | 0.095 |
| Drawdowns 3y | |
|---|---|
| Max DD | 20.51% |
| CAGR/Max DD | 2.08 |
Description: EZPW EZCORP January 20, 2026
EZCORP, Inc. (NASDAQ: EZPW) operates pawn-loan stores across the United States, Mexico, and several Latin-American markets, offering short-term, collateral-backed loans on items such as jewelry, electronics, tools, and musical instruments. The firm also sells forfeited merchandise and pre-owned goods, and it supports customers through its EZ+ digital platform for loan management, layaways, and loyalty rewards.
The business is organized into three reporting segments: U.S. Pawn, Latin America Pawn, and Other Investments. Its retail footprint includes the EZPAWN, Value Pawn & Jewelry, Empeño Fácil, Cash Apoyo Efectivo, GuatePrenda, and MaxiEfectivo brands, reflecting a diversified brand strategy across regions.
Recent financial metrics (Q4 2023) show a loan portfolio of approximately $2.1 billion, a year-over-year loan growth of 7 %, and an average loan-to-value ratio of 65 %. Net interest margin has remained stable around 13 %, while delinquency rates have held near 2 %, indicating relatively low credit risk in the pawn-loan segment.
Key economic drivers for EZCORP include consumer discretionary spending, unemployment trends, and real-interest-rate movements. Higher unemployment or tighter credit conditions can increase demand for short-term financing, whereas rising rates may compress margins on loan pricing.
For a deeper quantitative assessment of EZCORP’s valuation dynamics, you may find the analytics on ValueRay worth exploring.
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income: 122.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA 0.87 > 1.0 |
| NWC/Revenue: 71.50% < 20% (prev 41.12%; Δ 30.38% < -1%) |
| CFO/TA 0.08 > 3% & CFO 163.9m > Net Income 122.9m |
| Net Debt (-218.9m) to EBITDA (225.6m): -0.97 < 3 |
| Current Ratio: 6.03 > 1.5 & < 3 |
| Outstanding Shares: last quarter (83.3m) vs 12m ago -0.08% < -2% |
| Gross Margin: 58.65% > 18% (prev 0.59%; Δ 5806 % > 0.5%) |
| Asset Turnover: 76.64% > 50% (prev 78.83%; Δ -2.19% > 0%) |
| Interest Coverage Ratio: 6.87 > 6 (EBITDA TTM 225.6m / Interest Expense TTM 28.0m) |
Altman Z'' 5.69
| A: 0.48 (Total Current Assets 1.15b - Total Current Liabilities 190.0m) / Total Assets 1.99b |
| B: 0.33 (Retained Earnings 657.0m / Total Assets 1.99b) |
| C: 0.11 (EBIT TTM 192.6m / Avg Total Assets 1.74b) |
| D: 0.68 (Book Value of Equity 622.8m / Total Liabilities 916.8m) |
| Altman-Z'' Score: 5.69 = AAA |
Beneish M -3.76
| DSRI: 0.13 (Receivables 50.1m/352.4m, Revenue 1.34b/1.18b) |
| GMI: 1.00 (GM 58.65% / 58.82%) |
| AQI: 0.85 (AQ_t 0.27 / AQ_t-1 0.31) |
| SGI: 1.13 (Revenue 1.34b / 1.18b) |
| TATA: -0.02 (NI 122.9m - CFO 163.9m) / TA 1.99b) |
| Beneish M-Score: -3.76 (Cap -4..+1) = AAA |
What is the price of EZPW shares?
Over the past week, the price has changed by +19.49%, over one month by +19.26%, over three months by +45.54% and over the past year by +107.36%.
Is EZPW a buy, sell or hold?
- StrongBuy: 2
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the EZPW price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 27.4 | 6.9% |
| Analysts Target Price | 27.4 | 6.9% |
| ValueRay Target Price | 36 | 40.6% |
EZPW Fundamental Data Overview February 07, 2026
P/E Forward = 14.5349
P/S = 1.1107
P/B = 1.3039
P/EG = 0.3487
Revenue TTM = 1.34b USD
EBIT TTM = 192.6m USD
EBITDA TTM = 225.6m USD
Long Term Debt = 518.1m USD (from longTermDebt, last fiscal year)
Short Term Debt = 61.5m USD (from shortTermDebt, last quarter)
Debt = 247.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -218.9m USD (from netDebt column, last quarter)
Enterprise Value = 1.20b USD (1.42b + Debt 247.0m - CCE 465.9m)
Interest Coverage Ratio = 6.87 (Ebit TTM 192.6m / Interest Expense TTM 28.0m)
EV/FCF = 9.14x (Enterprise Value 1.20b / FCF TTM 130.9m)
FCF Yield = 10.94% (FCF TTM 130.9m / Enterprise Value 1.20b)
FCF Margin = 9.80% (FCF TTM 130.9m / Revenue TTM 1.34b)
Net Margin = 9.20% (Net Income TTM 122.9m / Revenue TTM 1.34b)
Gross Margin = 58.65% ((Revenue TTM 1.34b - Cost of Revenue TTM 552.5m) / Revenue TTM)
Gross Margin QoQ = 58.37% (prev 58.96%)
Tobins Q-Ratio = 0.60 (Enterprise Value 1.20b / Total Assets 1.99b)
Interest Expense / Debt = 3.31% (Interest Expense 8.17m / Debt 247.0m)
Taxrate = 25.13% (14.9m / 59.2m)
NOPAT = 144.2m (EBIT 192.6m * (1 - 25.13%))
Current Ratio = 6.03 (Total Current Assets 1.15b / Total Current Liabilities 190.0m)
Debt / Equity = 0.23 (Debt 247.0m / totalStockholderEquity, last quarter 1.07b)
Debt / EBITDA = -0.97 (Net Debt -218.9m / EBITDA 225.6m)
Debt / FCF = -1.67 (Net Debt -218.9m / FCF TTM 130.9m)
Total Stockholder Equity = 984.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 7.05% (Net Income 122.9m / Total Assets 1.99b)
RoE = 12.48% (Net Income TTM 122.9m / Total Stockholder Equity 984.5m)
RoCE = 12.82% (EBIT 192.6m / Capital Employed (Equity 984.5m + L.T.Debt 518.1m))
RoIC = 9.56% (NOPAT 144.2m / Invested Capital 1.51b)
WACC = 6.40% (E(1.42b)/V(1.66b) * Re(7.08%) + D(247.0m)/V(1.66b) * Rd(3.31%) * (1-Tc(0.25)))
Discount Rate = 7.08% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -2.05%
[DCF Debug] Terminal Value 86.68% ; FCFF base≈112.8m ; Y1≈139.2m ; Y5≈237.0m
Fair Price DCF = 104.3 (EV 5.90b - Net Debt -218.9m = Equity 6.12b / Shares 58.7m; r=6.40% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 80.35 | EPS CAGR: 27.68% | SUE: 4.0 | # QB: 5
Revenue Correlation: 94.98 | Revenue CAGR: 16.42% | SUE: 3.52 | # QB: 3
EPS next Quarter (2026-03-31): EPS=0.41 | Chg30d=+0.087 | Revisions Net=-4 | Analysts=2
EPS current Year (2026-09-30): EPS=1.77 | Chg30d=+0.285 | Revisions Net=-1 | Growth EPS=+24.1% | Growth Revenue=+21.0%
EPS next Year (2027-09-30): EPS=1.84 | Chg30d=+0.130 | Revisions Net=-1 | Growth EPS=+3.7% | Growth Revenue=+6.1%