(EZPW) EZCORP - Overview
Stock: Pawn Loans, Retail Merchandise, Web App, Collateral Items
| Risk 5d forecast | |
|---|---|
| Volatility | 29.1% |
| Relative Tail Risk | -10.3% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.98 |
| Alpha | 85.35 |
| Character TTM | |
|---|---|
| Beta | 0.091 |
| Beta Downside | 0.324 |
| Drawdowns 3y | |
|---|---|
| Max DD | 20.51% |
| CAGR/Max DD | 2.15 |
EPS (Earnings per Share)
Revenue
Description: EZPW EZCORP February 25, 2026
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.
Piotroski VR‑10 (Strict, 0-10) 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 (-218.9m) to EBITDA (218.9m): -1.00 < 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: 6.63 > 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 -3.76
| 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 -4.52%, over one month by -1.17%, over three months by +24.72% and over the past year by +89.88%.
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 | 32.8 | 29.5% |
| Analysts Target Price | 32.8 | 29.5% |
EZPW Fundamental Data Overview March 04, 2026
P/E Forward = 15.3139
P/S = 1.2546
P/B = 1.5653
P/EG = 0.3487
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 = 247.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -218.9m USD (from netDebt column, last quarter)
Enterprise Value = 1.46b USD (1.68b + Debt 247.0m - CCE 465.9m)
Interest Coverage Ratio = 6.63 (Ebit TTM 186.0m / Interest Expense TTM 28.0m)
EV/FCF = 11.81x (Enterprise Value 1.46b / FCF TTM 123.4m)
FCF Yield = 8.47% (FCF TTM 123.4m / Enterprise Value 1.46b)
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 = 0.73 (Enterprise Value 1.46b / Total Assets 1.99b)
Interest Expense / Debt = 3.31% (Interest Expense 8.17m / Debt 247.0m)
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 = 0.23 (Debt 247.0m / totalStockholderEquity, last quarter 1.07b)
Debt / EBITDA = -1.00 (Net Debt -218.9m / EBITDA 218.9m)
Debt / FCF = -1.77 (Net Debt -218.9m / 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 = 5.77% (E(1.68b)/V(1.92b) * Re(6.25%) + D(247.0m)/V(1.92b) * Rd(3.31%) * (1-Tc(0.25)))
Discount Rate = 6.25% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -2.05%
[DCF] Terminal Value 88.43% ; FCFF base≈108.4m ; Y1≈133.7m ; Y5≈227.6m
[DCF] Fair Price = 116.6 (EV 6.63b - Net Debt -218.9m = Equity 6.85b / Shares 58.7m; r=5.90% [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 (2026-06-30): EPS=0.40 | Chg7d=+0.064 | Chg30d=+0.062 | Revisions Net=+5 | Analysts=5
EPS current Year (2026-09-30): EPS=1.84 | Chg7d=+0.351 | Chg30d=+0.347 | Revisions Net=+5 | Growth EPS=+28.5% | Growth Revenue=+23.5%
EPS next Year (2027-09-30): EPS=2.03 | Chg7d=+0.326 | Chg30d=+0.320 | Revisions Net=+5 | Growth EPS=+10.5% | Growth Revenue=+10.9%
[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 = +23.6% (Analyst 25.7% - Implied 2.2%)