EZPW Stock Analysis: EZCORP | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 2.181m USD | 12M Return: 154.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 39.0M
EPS Trend: 98.3%
Qual. Beats: 6
Rev. Trend: 97.1%
Qual. Beats: 4
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
EZCORP, Inc. (EZPW) is a consumer finance company that operates pawn services across the United States, Mexico, and Latin America through three segments: U.S. Pawn, Latin America Pawn, and Other Investments. The business follows the dual-revenue model typical of the pawn industry, generating income from both pawn loans (collateralized by tangible personal property such as jewelry, consumer electronics, tools, sporting goods, and musical instruments) and the retail sale of merchandise, primarily items forfeited from unredeemed loans plus pre-owned goods purchased from customers. The company offers an online platform, EZ+, for managing pawn transactions, layaways, and loyalty rewards, and operates under multiple regional brands including EZPAWN, Value Pawn & Jewelry, Empeño Fácil, Cash Apoyo Efectivo, GuatePrenda, and MaxiEfectivo. Incorporated in 1989 and headquartered in Austin, Texas, EZCORP is classified within the GICS Consumer Finance sub-industry, a segment of Financials that generally serves credit-constrained borrowers outside the traditional banking system.
- Gold price swings lift jewelry resale margins
- Latin America pawn growth fueled by Mexico store openings
- US pawn loan demand rises as consumers seek alternative credit
| Net Income: 146.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 0.39 > 1.0 |
| NWC/Revenue: 58.26% < 20% (prev 66.77%; Δ -8.51% < -1%) |
| CFO/TA 0.08 > 3% & CFO 173.7m > Net Income 146.6m |
| Net Debt (724.8m) to EBITDA (256.6m): 2.82 < 3 |
| Current Ratio: 4.71 > 1.5 & < 3 |
| Outstanding Shares: last quarter (83.4m) vs 12m ago 0.32% < -2% |
| Gross Margin: 57.94% > 18% (prev 58.71%; Δ -0.77% > 0.5%) |
| Asset Turnover: 74.65% > 50% (prev 65.72%; Δ 8.93% > 0%) |
| Interest Coverage Ratio: 6.71 > 6 (EBIT TTM 222.1m / Interest Expense TTM 33.1m) |
| A: 0.40 (Total Current Assets 1.09b - Total Current Liabilities 231.7m) / Total Assets 2.13b |
| B: 0.33 (Retained Earnings 703.7m / Total Assets 2.13b) |
| C: 0.11 (EBIT TTM 222.1m / Avg Total Assets 1.98b) |
| D: 1.14 (Book Value of Equity 1.12b / Total Liabilities 984.8m) |
| Altman-Z'' = 5.68 = AAA |
| DSRI: 1.06 (Receivables 445.3m/340.7m, Revenue 1.48b/1.20b) |
| GMI: 1.01 (GM 58.71% / 57.94%) |
| AQI: 1.24 (AQ_t 0.32 / AQ_t-1 0.26) |
| SGI: 1.23 (Revenue 1.48b / 1.20b) |
| TATA: -0.01 (NI 146.6m - CFO 173.7m) / TA 2.13b) |
| Beneish M = -2.65 (Cap -4..+1) = A |
As of July 10, 2026, the stock is trading at USD 34.07 with a total of 576,667 shares traded. Over the past week, the price has changed by -4.11%, over one month by +6.24%, over three months by +19.80% and over the past year by +154.44%.
Current recommended Stop Loss: 30.60 (which is 10.2% or 2 ATR below the current price).
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
| Analysts Target Price | 39.6 | 16.2% |
P/E Trailing = 19.0538
P/E Forward = 16.2338
P/S = 1.4768
P/B = 1.9543
P/EG = 0.275
Revenue TTM = 1.48b USD
EBIT TTM = 222.1m USD
EBITDA TTM = 256.6m USD
Long Term Debt = 519.0m USD (from longTermDebt, last quarter)
Short Term Debt = 68.0m USD (from shortTermDebt, last quarter)
Debt = 1.08b USD (from shortLongTermDebtTotal, last quarter) + Leases 280.0m
Net Debt = 724.8m USD (calculated: Debt 1.08b - CCE 354.2m)
Enterprise Value = 2.91b USD (2.18b + Debt 1.08b - CCE 354.2m)
Interest Coverage Ratio = 6.71 (Ebit TTM 222.1m / Interest Expense TTM 33.1m)
EV/FCF = 22.15x (Enterprise Value 2.91b / FCF TTM 131.2m)
FCF Yield = 4.51% (FCF TTM 131.2m / Enterprise Value 2.91b)
FCF Margin = 8.88% (FCF TTM 131.2m / Revenue TTM 1.48b)
Net Margin = 9.93% (Net Income TTM 146.6m / Revenue TTM 1.48b)
Gross Margin = 57.94% ((Revenue TTM 1.48b - Cost of Revenue TTM 621.1m) / Revenue TTM)
Gross Margin QoQ = 56.04% (prev 58.37%)
Tobins Q-Ratio = 1.37 (Enterprise Value 2.91b / Total Assets 2.13b)
Interest Expense / Debt = 3.07% (Interest Expense 33.1m / Debt 1.08b)
Taxrate = 24.81% (48.5m / 195.6m)
NOPAT = 167.0m (EBIT 222.1m * (1 - 24.81%))
Current Ratio = 4.71 (Total Current Assets 1.09b / Total Current Liabilities 231.7m)
Debt / Equity = 0.96 (Debt 1.08b / totalStockholderEquity, last quarter 1.12b)
Debt / EBITDA = 2.82 (Net Debt 724.8m / EBITDA 256.6m)
Debt / FCF = 5.53 (Net Debt 724.8m / FCF TTM 131.2m)
Total Stockholder Equity = 1.05b (last 4 quarters mean from totalStockholderEquity)
RoA = 7.41% (Net Income 146.6m / Total Assets 2.13b)
RoE = 13.94% (Net Income TTM 146.6m / Total Stockholder Equity 1.05b)
RoCE = 14.14% (EBIT 222.1m / Capital Employed (Equity 1.05b + L.T.Debt 519.0m))
RoIC = 8.84% (NOPAT 167.0m / Invested Capital 1.89b)
WACC = 5.73% (E(2.18b)/V(3.26b) * Re(7.43%) + D(1.08b)/V(3.26b) * Rd(3.07%) * (1-Tc(0.25)))
Discount Rate = 7.43% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -2.22 | Cagr: -1.76%
[DCF] Terminal Value 77.97% ; FCFF base≈121.0m ; Y1≈138.7m ; Y5≈204.1m
[DCF] Fair Price = 40.07 (EV 3.07b - Net Debt 724.8m = Equity 2.35b / Shares 58.6m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 98.34 | EPS CAGR: 26.21% | SUE: 4.0 | # QB: 6
Revenue Correlation: 97.07 | Revenue CAGR: 12.09% | SUE: 4.0 | # QB: 4
EPS current Quarter (2026-06-30): EPS=0.41 | Chg30d=+0.99% | Revisions=+17% | Analysts=5
EPS current Year (2026-09-30): EPS=2.00 | Chg30d=+0.00% | Revisions=+50% | GrowthEPS=+39.6% | GrowthRev=+32.8%
EPS next Year (2027-09-30): EPS=2.14 | Chg30d=+0.00% | Revisions=+29% | GrowthEPS=+7.4% | GrowthRev=+7.8%
[Analyst] Revisions Ratio: +46% (up=8, down=2)