Overview Dividends

(EZPW) EZCORP - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US3023011063

Pawn Loans, Retail Merchandise, Jewelry, Consumer Electronics, Web App

Consumer Finance
Market Cap in USD: 1,281m
IPO / Inception: 1991-08-27
Return 12m vs S&P 500: 43.5%

EPS (Earnings per Share)

EPS (Earnings per Share) of EZPW over the last years for every Quarter: "2020-12": 0.13, "2021-03": 0.17, "2021-06": -0.03, "2021-09": 0.11, "2021-12": 0.22, "2022-03": 0.22, "2022-06": 0.16, "2022-09": 0.15, "2022-12": 0.28, "2023-03": 0.23, "2023-06": 0.2, "2023-09": 0.23, "2023-12": 0.36, "2024-03": 0.29, "2024-06": 0.23, "2024-09": 0.26, "2024-12": 0.4, "2025-03": 0.34, "2025-06": 0.33, "2025-09": 0.34,
EPS CAGR: 12.31%
EPS Trend: 73.8%
Last SUE: 1.37
Qual. Beats: 4

Revenue

Revenue of EZPW over the last years for every Quarter: 2020-12: 178.135, 2021-03: 184.939, 2021-06: 174.033, 2021-09: 192.444, 2021-12: 220.994, 2022-03: 215.982, 2022-06: 215.842, 2022-09: 233.407, 2022-12: 264.327, 2023-03: 258.423, 2023-06: 255.812, 2023-09: 270.479, 2023-12: 299.991, 2024-03: 285.639, 2024-06: 281.421, 2024-09: 294.551, 2024-12: 320.17, 2025-03: 306.316, 2025-06: 310.981, 2025-09: 336.813,
Rev. CAGR: 11.89%
Rev. Trend: 95.2%
Last SUE: 2.70
Qual. Beats: 2

Dividends

Currently no dividends paid
Risk via 5d forecast
Volatility 28.0%
Value at Risk 5%th 41.3%
Relative Tail Risk -10.36%
Reward TTM
Sharpe Ratio 1.62
Alpha 56.95
CAGR/Max DD 1.66
Character TTM
Hurst Exponent 0.564
Beta 0.278
Beta Downside 0.185
Drawdowns 3y
Max DD 20.51%
Mean DD 6.88%
Median DD 6.26%

Description: EZPW EZCORP November 17, 2025

EZCORP, Inc. (NASDAQ: EZPW) operates a network of pawn shops across the United States and Latin America under brands such as EZPAWN, Value Pawn & Jewelry, Empeño Fácil, and others. The business provides short-term, collateralized loans on items ranging from jewelry to electronics, and monetizes forfeited collateral and pre-owned merchandise through retail sales. Its digital platform, EZ+, lets customers manage loans, layaways, and loyalty rewards online, enhancing convenience and repeat business.

Key performance metrics from FY 2023 show total revenue of roughly $1.1 billion, a net income of $70 million, and a loan portfolio of about $2.5 billion with an average loan size near $400. The company’s delinquency rate held at 3.5%, while same-store sales grew 5% year-over-year, reflecting resilience amid a tightening credit environment. Primary economic drivers include consumer discretionary spending trends, prevailing interest rates (which affect loan pricing and demand), and regional unemployment levels that influence borrowers’ ability to repay.

For a deeper dive into EZCORP’s valuation dynamics and how its fundamentals compare to peers, you might find ValueRay’s analytical tools useful.

Piotroski VR‑10 (Strict, 0-10) 4.5

Net Income (109.6m TTM) > 0 and > 6% of Revenue (6% = 76.5m TTM)
FCFTA 0.06 (>2.0%) and ΔFCFTA 0.41pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 72.62% (prev 39.57%; Δ 33.05pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.08 (>3.0%) and CFO 150.7m > Net Income 109.6m (YES >=105%, WARN >=100%)
Net Debt (294.5m) to EBITDA (202.3m) ratio: 1.46 <= 3.0 (WARN <= 3.5)
Current Ratio 5.61 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (83.2m) change vs 12m ago -0.40% (target <= -2.0% for YES)
Gross Margin 58.55% (prev 58.74%; Δ -0.19pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 73.99% (prev 77.79%; Δ -3.80pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 7.37 (EBITDA TTM 202.3m / Interest Expense TTM 23.0m) >= 6 (WARN >= 3)

Altman Z'' 5.45

(A) 0.47 = (Total Current Assets 1.13b - Total Current Liabilities 200.6m) / Total Assets 1.95b
(B) 0.31 = Retained Earnings (Balance) 612.7m / Total Assets 1.95b
(C) 0.10 = EBIT TTM 169.8m / Avg Total Assets 1.72b
(D) 0.62 = Book Value of Equity 574.6m / Total Liabilities 925.7m
Total Rating: 5.45 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 75.48

1. Piotroski 4.50pt
2. FCF Yield 7.12%
3. FCF Margin 8.80%
4. Debt/Equity 0.75
5. Debt/Ebitda 1.46
6. ROIC - WACC (= 4.11)%
7. RoE 11.88%
8. Rev. Trend 95.19%
9. EPS Trend 73.79%

What is the price of EZPW shares?

As of December 19, 2025, the stock is trading at USD 19.61 with a total of 706,773 shares traded.
Over the past week, the price has changed by -6.75%, over one month by +9.61%, over three months by +9.61% and over the past year by +67.61%.

Is EZPW a buy, sell or hold?

EZCORP has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy EZPW.
  • Strong Buy: 2
  • Buy: 1
  • Hold: 2
  • Sell: 0
  • Strong Sell: 0

What are the forecasts/targets for the EZPW price?

Issuer Target Up/Down from current
Wallstreet Target Price 23.6 20.3%
Analysts Target Price 23.6 20.3%
ValueRay Target Price 26.9 37.1%

EZPW Fundamental Data Overview December 12, 2025

Market Cap USD = 1.28b (1.28b USD * 1.0 USD.USD)
P/E Trailing = 14.8169
P/E Forward = 13.8504
P/S = 1.0055
P/B = 1.2493
P/EG = 0.3487
Beta = 0.524
Revenue TTM = 1.27b USD
EBIT TTM = 169.8m USD
EBITDA TTM = 202.3m USD
Long Term Debt = 518.1m USD (from longTermDebt, last quarter)
Short Term Debt = 61.2m USD (from shortTermDebt, last quarter)
Debt = 764.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 294.5m USD (from netDebt column, last quarter)
Enterprise Value = 1.58b USD (1.28b + Debt 764.0m - CCE 469.5m)
Interest Coverage Ratio = 7.37 (Ebit TTM 169.8m / Interest Expense TTM 23.0m)
FCF Yield = 7.12% (FCF TTM 112.1m / Enterprise Value 1.58b)
FCF Margin = 8.80% (FCF TTM 112.1m / Revenue TTM 1.27b)
Net Margin = 8.60% (Net Income TTM 109.6m / Revenue TTM 1.27b)
Gross Margin = 58.55% ((Revenue TTM 1.27b - Cost of Revenue TTM 528.2m) / Revenue TTM)
Gross Margin QoQ = 58.96% (prev 59.05%)
Tobins Q-Ratio = 0.81 (Enterprise Value 1.58b / Total Assets 1.95b)
Interest Expense / Debt = 1.07% (Interest Expense 8.14m / Debt 764.0m)
Taxrate = 26.36% (9.56m / 36.3m)
NOPAT = 125.0m (EBIT 169.8m * (1 - 26.36%))
Current Ratio = 5.61 (Total Current Assets 1.13b / Total Current Liabilities 200.6m)
Debt / Equity = 0.75 (Debt 764.0m / totalStockholderEquity, last quarter 1.03b)
Debt / EBITDA = 1.46 (Net Debt 294.5m / EBITDA 202.3m)
Debt / FCF = 2.63 (Net Debt 294.5m / FCF TTM 112.1m)
Total Stockholder Equity = 922.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 5.62% (Net Income 109.6m / Total Assets 1.95b)
RoE = 11.88% (Net Income TTM 109.6m / Total Stockholder Equity 922.8m)
RoCE = 11.79% (EBIT 169.8m / Capital Employed (Equity 922.8m + L.T.Debt 518.1m))
RoIC = 8.81% (NOPAT 125.0m / Invested Capital 1.42b)
WACC = 4.70% (E(1.28b)/V(2.05b) * Re(7.04%) + D(764.0m)/V(2.05b) * Rd(1.07%) * (1-Tc(0.26)))
Discount Rate = 7.04% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -100.0 | Cagr: -2.09%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈99.1m ; Y1≈122.3m ; Y5≈208.7m
Fair Price DCF = 61.27 (DCF Value 3.55b / Shares Outstanding 57.9m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 73.79 | EPS CAGR: 12.31% | SUE: 1.37 | # QB: 4
Revenue Correlation: 95.19 | Revenue CAGR: 11.89% | SUE: 2.70 | # QB: 2
EPS next Quarter (2026-03-31): EPS=0.33 | Chg30d=-0.019 | Revisions Net=-4 | Analysts=5
EPS current Year (2026-09-30): EPS=1.49 | Chg30d=+0.030 | Revisions Net=+2 | Growth EPS=+4.2% | Growth Revenue=+10.7%
EPS next Year (2027-09-30): EPS=1.71 | Chg30d=+0.066 | Revisions Net=+1 | Growth EPS=+14.9% | Growth Revenue=+8.6%

Additional Sources for EZPW Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle