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EZPWEZCORP, Inc.
$35.44$2.1B
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EZPW logoEZCORP, Inc.(EZPW)Earnings, Financials & Key Ratios

EZPW•NASDAQ
$35.44
25.0× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryDebt Collection and Collateral Lending
AboutEZCORP, Inc. provides pawn loans in the United States and Latin America. It offers pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. The company also sells merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. In addition, it offers Lana and EZ+ web-based engagement platforms to manage pawn loans. As of September 30, 2021, the company owned and operated 516 pawn stores in the United States; 508 pawn stores in Mexico; and 124 pawn stores in Guatemala, El Salvador, and Honduras. EZCORP, Inc. was founded in 1989 and is headquartered in Austin, Texas.Show more
  • EBITDA$182M+24.8%
  • Net Income$110M+31.9%
  • EPS (Diluted)1.42+29.1%
  • Gross Margin58.55%-0.3%
  • EBITDA Margin14.26%+13.8%
  • Operating Margin11.71%+20.8%
  • Net Margin8.6%+20.2%
  • ROE11.98%+11.8%

EZPW Price & Volume

EZCORP, Inc. (EZPW) stock price & volume — 10-year historical chart

Loading chart...

Pawn Portfolio Expansion Drives Revenue Growth Momentum

Investment Thesis • Updated 2026Q2

VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Robust
Primary Risk:Regulatory interest rate caps

Key Thesis Takeaways

  • EZCORP is successfully scaling its pawn operations, evidenced by revenue growth from $281.4 million in 2024Q3 to $446.9 million in 2026Q2.
  • While the company maintains a healthy liquidity buffer of $354.2 million, investors should monitor the impact of rising goodwill, which reached $473.5 million, and the potential for regulatory interest rate caps to compress future margins.
  • The firm's ability to convert top-line gains into free cash flow, which reached an 8.5% margin in 2026Q2, remains a critical factor for long-term valuation support.

Verdict Logic

while the company shows accelerating revenue growth and a 16.05 forward P/E, the volatility in cash conversion and the $473.5 million goodwill balance warrant a cautious approach regarding future earnings quality.

EZPW Growth Metrics

EZCORP, Inc. (EZPW) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years5.87%
5 Years9.14%
3 Years12.87%
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years29.77%
TTM63.72%

EPS CAGR

10 Years-
5 Years-
3 Years26.59%
TTM2175%

Return on Capital

10 Years5.17%
5 Years7.17%
3 Years8.83%
Last Year10.03%

EZPW Recent Earnings

EZCORP, Inc. (EZPW) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
May 6, 2026
Metric
Actual
Est
EPS
$0.58+61.1%
$0.36
Rev
$447M+14.4%
$391M
Q2 2026
Apr 27, 2026
Metric
Actual
Est
EPS
$0.58+61.1%
$0.36
Rev
$447M+14.4%
$391M
Q1 2026
Feb 4, 2026
Metric
Actual
Est
EPS
$0.55+37.5%
$0.40
Rev
$382M+5.8%
$361M
Q4 2025
Nov 13, 2025
Metric
Actual
Est
EPS
$0.34+17.2%
$0.29
Rev
$337M-3.2%
$348M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 6, 2026
$0.58vs $0.36+61.1%
$447Mvs $391M+14.4%
Q2 2026Apr 27, 2026
$0.58vs $0.36+61.1%
$447Mvs $391M+14.4%
Q1 2026Feb 4, 2026
$0.55vs $0.40+37.5%
$382Mvs $361M+5.8%
Q4 2025Nov 13, 2025
$0.34vs $0.29+17.2%
$337Mvs $348M-3.2%
Based on last 12 quarters of dataView full earnings history →

Latest EZPW News

Recent stock market news and headlines for EZCORP, Inc. (EZPW)

The Motley Fool·2 days ago
3 Stocks to Buy and Hold Even if There's a Stock Market Sell-Off in the Second Half of 2026

Pawn lending, funeral services, and water utilities generate demand regardless of economic conditions. EZCORP, Carriage Services, and York Water are three companies proving that's the case.

Seeking Alpha·Jun 27, 2026
Ezcorp: Still Cheap Enough For The Growth

EZCORP has surged 148% in the past year, yet remains attractively valued given robust earnings growth and operating momentum. Q2 delivered record revenue, 76% EBITDA growth, and a 33% rise in pawn loans outstanding, with both organic and acquisition-driven gains. The SMG acquisition expands scale and offers operational improvement opportunities, while core pawn metrics and service charges remain strong.

Investors Business Daily·Jun 27, 2026
Eli Lilly Leads 5 Stocks Near Buy Points As The Market Rally Rotates

The top stocks flourish buy points and relative strength. Two are defensive growth names.

Zacks Investment Research·Jun 15, 2026
Best Momentum Stocks to Buy for June 15th

EZPW, NVT, and LFUS made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on June 15, 2026.

Peers Comparison

Key metrics vs top competitors for EZCORP, Inc. (EZPW)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
EZPW logoEZPWEZCORP, Inc.Current
$35.44$2.08B24.969.7%8.6%11.98%—
FCFS logoFCFSFirstCash Holdings, Inc
$223.25$9.85B30.098.04%9.14%15.91%—
CASH logoCASHPathward Financial, Inc.
$90.44$1.91B11.492.44%24.52%22.36%—
WRLD logoWRLDWorld Acceptance Corporation
$199.11$923.93M28.943.7%5.98%9.36%—
RM logoRMRegional Management Corp.
$41.88$393.54M9.419.7%7.4%13.16%—
ENVA logoENVAEnova International, Inc.
$237.00$5.91B20.4718.58%9.95%24.88%—

Compare EZPW vs Peers

EZCORP, Inc. (EZPW) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FCFS

Most directly comparable listed peer for EZPW.

Scale Benchmark

vs NEM

Larger-name benchmark to compare EZPW against a more recognizable public peer.

Peer Set

Compare Top 5

vs FCFS, CASH, WRLD, RM

EZPW SEC Filings & Documents

EZCORP, Inc. (EZPW) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 18, 2026·SEC

Material company update

May 6, 2026·SEC

Material company update

Mar 27, 2026·SEC

10-K Annual Reports

3
FY 2025

Nov 13, 2025·SEC

FY 2024

Nov 13, 2024·SEC

FY 2023

Nov 15, 2023·SEC

10-Q Quarterly Reports

6
FY 2026

May 6, 2026·SEC

FY 2026

Feb 4, 2026·SEC

FY 2025

Jul 30, 2025·SEC

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EZPW Frequently Asked Questions

EZCORP, Inc. (EZPW) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is EZCORP, Inc.'s revenue?

EZCORP, Inc. (EZPW) reported $1.48B in revenue for fiscal year 2025.

How fast is EZCORP, Inc. growing?

EZCORP, Inc. (EZPW) grew revenue by 9.7% over the past year. This is steady growth.

Is EZPW profitable?

Yes, EZCORP, Inc. (EZPW) is profitable, generating $146.6M in net income for fiscal year 2025 (8.6% net margin).

Dividend & Returns
What is EZPW's return on equity?

EZCORP, Inc. (EZPW) has a return on equity (ROE) of 12.0%. This is reasonable for most industries.

What is EZCORP, Inc.'s free cash flow?

EZCORP, Inc. (EZPW) generated $131.2M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in EZPW back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →