(EZPW) EZCORP - Overview

Sector: Financial Services | Industry: Credit Services | Exchange: NASDAQ (USA) | Market Cap: 1.678m USD | Total Return: 75.4% in 12m

Stock Pawn Loans, Retail Merchandise, Web App, Collateral Items
Total Rating 68
Safety 84
Buy Signal 1.94
Credit Services +1.0
Consumer Finance +1.7
Market Cap: 1,678m
Avg Trading Vol: 20.2M USD
ATR: 3.33%
Peers RS (IBD): 95.0
Risk 5d forecast
Volatility32.1%
Rel. Tail Risk-11.4%
Reward TTM
Sharpe Ratio1.78
Alpha69.86
Character TTM
Beta0.077
Beta Downside0.316
Drawdowns 3y
Max DD20.51%
CAGR/Max DD2.28
EPS (Earnings per Share) EPS (Earnings per Share) of EZPW over the last years for every Quarter: "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, "2025-12": 0.55, "2026-03": 0,
EPS CAGR: -40.31%
EPS Trend: 32.1%
Last SUE: -4.00
Qual. Beats: 0
Revenue Revenue of EZPW over the last years for every Quarter: 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, 2025-12: 382.019, 2026-03: null,
Rev. CAGR: 16.42%
Rev. Trend: 95.0%
Last SUE: 3.52
Qual. Beats: 3
Description: EZPW EZCORP

EZCORP, Inc. (NASDAQ: EZPW) operates a network of pawn shops across the United States, Mexico, and Latin America, offering collateral-backed loans on items such as jewelry, electronics, and tools, while also selling forfeited and pre-owned merchandise through its EZPAWN, Value Pawn & Jewelry, Empeño Fácil, Cash Apoyo Efectivo, GuatePrenda, and MaxiEfectivo brands. The company’s EZ+ digital platform lets customers manage loans, layaways, and loyalty rewards online.

In its most recent fiscal year (2025), EZCORP reported revenue of $1.22 billion, a 5.3% year-over-year increase, and a net income of $78 million, reflecting an operating margin of 12.1%. The loan portfolio grew to $3.48 billion, driven by a 4.0% rise in same-store loan originations, while delinquency rates remained below 5%, indicating resilient credit performance amid a high-interest-rate environment.

Key macro drivers for the consumer-finance sector include the Federal Reserve’s policy rate, which has held near 5.25% since late 2024, sustaining higher yields on short-term collateral loans, and persistent inflation that has boosted demand for alternative credit sources like pawn lending. Additionally, the industry benefits from a modest decline in unemployment (currently 3.8% in the U.S.), which supports discretionary spending on collateral assets.

For deeper insights, you may want to explore ValueRay’s analysis of EZCORP.

Headlines to Watch Out For
  • Pawn loan originations fuel revenue growth
  • Gold prices impact collateral value
  • Interest rate caps limit loan profitability
  • Economic downturns increase demand for pawn services
  • Regulatory scrutiny on lending practices poses risk
Piotroski VR‑10 (Strict) 5.5
Net Income: 122.9m TTM > 0 and > 6% of Revenue
FCF/TA: 0.06 > 0.02 and ΔFCF/TA 0.49 > 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 (299.6m) to EBITDA (218.9m): 1.37 < 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 5.81k% > 0.5%)
Asset Turnover: 76.64% > 50% (prev 78.83%; Δ -2.19% > 0%)
Interest Coverage Ratio: 6.63 > 6 (EBITDA TTM 218.9m / Interest Expense TTM 28.0m)
Altman Z'' 5.66
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 186.0m / Avg Total Assets 1.74b)
D: 0.68 (Book Value of Equity 622.8m / Total Liabilities 916.8m)
Altman-Z'' Score: 5.66 = AAA
Beneish M -3.02
DSRI: 1.03 (Receivables 408.8m/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: -3.02 (Cap -4..+1) = AA
What is the price of EZPW shares? As of April 06, 2026, the stock is trading at USD 27.19 with a total of 1,418,900 shares traded.
Over the past week, the price has changed by +8.54%, over one month by +8.11%, over three months by +34.47% and over the past year by +75.42%.
Is EZPW a buy, sell or hold? EZCORP has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy EZPW.
  • StrongBuy: 2
  • Buy: 1
  • Hold: 2
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the EZPW price?
Wallstreet Target Price 32.8 20.6%
Analysts Target Price 32.8 20.6%
EZPW Fundamental Data Overview as of 04 April 2026
P/E Trailing = 17.3185
P/E Forward = 14.6628
P/S = 1.2555
P/B = 1.5005
P/EG = 0.275
Revenue TTM = 1.34b USD
EBIT TTM = 186.0m USD
EBITDA TTM = 218.9m USD
Long Term Debt = 518.6m USD (from longTermDebt, last quarter)
Short Term Debt = 61.5m USD (from shortTermDebt, last quarter)
Debt = 765.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 299.6m USD (from netDebt column, last quarter)
Enterprise Value = 1.98b USD (1.68b + Debt 765.5m - CCE 465.9m)
Interest Coverage Ratio = 6.63 (Ebit TTM 186.0m / Interest Expense TTM 28.0m)
EV/FCF = 16.02x (Enterprise Value 1.98b / FCF TTM 123.4m)
FCF Yield = 6.24% (FCF TTM 123.4m / Enterprise Value 1.98b)
FCF Margin = 9.24% (FCF TTM 123.4m / 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 = 0.99 (Enterprise Value 1.98b / Total Assets 1.99b)
Interest Expense / Debt = 1.07% (Interest Expense 8.17m / Debt 765.5m)
Taxrate = 25.13% (14.9m / 59.2m)
NOPAT = 139.2m (EBIT 186.0m * (1 - 25.13%))
Current Ratio = 6.03 (Total Current Assets 1.15b / Total Current Liabilities 190.0m)
Debt / Equity = 0.71 (Debt 765.5m / totalStockholderEquity, last quarter 1.07b)
Debt / EBITDA = 1.37 (Net Debt 299.6m / EBITDA 218.9m)
Debt / FCF = 2.43 (Net Debt 299.6m / FCF TTM 123.4m)
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 = 12.37% (EBIT 186.0m / Capital Employed (Equity 984.5m + L.T.Debt 518.6m))
RoIC = 9.11% (NOPAT 139.2m / Invested Capital 1.53b)
WACC = 4.54% (E(1.68b)/V(2.44b) * Re(6.25%) + D(765.5m)/V(2.44b) * Rd(1.07%) * (1-Tc(0.25)))
Discount Rate = 6.25% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: -100.0 | Cagr: -2.05%
[DCF] Terminal Value 88.44% ; FCFF base≈108.4m ; Y1≈133.7m ; Y5≈228.1m
[DCF] Fair Price = 107.6 (EV 6.62b - Net Debt 299.6m = Equity 6.32b / Shares 58.7m; r=6.0% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 32.15 | EPS CAGR: -40.31% | SUE: -4.0 | # QB: 0
Revenue Correlation: 94.98 | Revenue CAGR: 16.42% | SUE: 3.52 | # QB: 3
EPS next Quarter (2026-06-30): EPS=0.39 | Chg7d=+0.060 | Chg30d=+0.058 | Revisions Net=+5 | Analysts=4
EPS current Year (2026-09-30): EPS=1.84 | Chg7d=+0.357 | Chg30d=+0.353 | Revisions Net=+5 | Growth EPS=+28.9% | Growth Revenue=+24.7%
EPS next Year (2027-09-30): EPS=2.04 | Chg7d=+0.334 | Chg30d=+0.328 | Revisions Net=+5 | Growth EPS=+10.5% | Growth Revenue=+11.2%
[Analyst] Revisions Ratio: +1.00 (5 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.2% (Discount Rate 7.9% - Earnings Yield 5.8%)
[Growth] Growth Spread = +25.2% (Analyst 27.4% - Implied 2.2%)
External Resources
Dataroma Stockcircle