ezcorp inc. - EZPW
EZPW
Close Chg Chg %
19.89 -0.20 -1.01%
Pre-Market
19.69
-0.20 (1.01%)
Volume: 407.51K
Last Updated:
Dec 30, 2025, 4:00 PM EDT
Company Overview: ezcorp inc. - EZPW
EZPW Key Data
| Open $19.90 | Day Range 19.68 - 19.99 |
| 52 Week Range 11.60 - 21.49 | Market Cap $1.21B |
| Shares Outstanding 60.89M | Public Float 54.87M |
| Beta 0.52 | Rev. Per Employee N/A |
| P/E Ratio 13.97 | EPS $1.91 |
| Yield 0.00% | Dividend $0.01 |
| EX-DIVIDEND DATE Feb 4, 2000 | SHORT INTEREST N/A |
| AVERAGE VOLUME 1.33M |
EZPW Performance
| 1 Week | 0.25% | ||
| 1 Month | 3.16% | ||
| 3 Months | 9.41% | ||
| 1 Year | 62.77% | ||
| 5 Years | 315.24% |
EZPW Analyst Ratings
- Sell
- Under
- Hold
- Over
- Buy
Number of Ratings
7
Full Ratings ➔
About ezcorp inc. - EZPW
EZCORP, Inc. engages in the provision of pawn services. The firm also sells merchandise, primarily collateral forfeited from pawn lending operations and used merchandise purchased from customers. It operates through the following segments: U.S. Pawn, Latin America Pawn, and Other Investments. The U.S. Pawn segment includes EZPAWN, Value Pawn and Jewelry, and other branded pawn operations. The Latin America Pawn segment consists of Empeño Fácil, Cash Apoyo Efectivo, and other branded pawn operations in Mexico, as well as GuatePrenda and MaxiEfectivo pawn operations in Guatemala, El Salvador, and Honduras. The company was founded in 1989 and is headquartered in Rollingwood, TX.
EZPW At a Glance
EZCORP, Inc.
2500 Bee Cave Road
Rollingwood, Texas 78746
| Phone | 1-512-314-3400 | Revenue | 1.27B | |
| Industry | Finance/Rental/Leasing | Net Income | 109.61M | |
| Sector | Finance | 2025 Sales Growth | 9.7% | |
| Fiscal Year-end | 09 / 2026 | Employees | 8,500 | |
| View SEC Filings |
EZPW Valuation
| P/E Current | 13.972 |
| P/E Ratio (with extraordinary items) | N/A |
| P/E Ratio (without extraordinary items) | 13.408 |
| Price to Sales Ratio | 1.246 |
| Price to Book Ratio | 1.131 |
| Price to Cash Flow Ratio | 10.40 |
| Enterprise Value to EBITDA | 10.376 |
| Enterprise Value to Sales | 1.478 |
| Total Debt to Enterprise Value | 0.406 |
EZPW Efficiency
| Revenue/Employee | 149,915.294 |
| Income Per Employee | 12,895.647 |
| Receivables Turnover | 3.202 |
| Total Asset Turnover | 0.74 |
EZPW Liquidity
| Current Ratio | 5.614 |
| Quick Ratio | 4.375 |
| Cash Ratio | 2.344 |
EZPW Profitability
| Gross Margin | 55.995 |
| Operating Margin | 11.687 |
| Pretax Margin | 11.518 |
| Net Margin | 8.602 |
| Return on Assets | 6.365 |
| Return on Equity | 11.979 |
| Return on Total Capital | 6.121 |
| Return on Invested Capital | 7.461 |
EZPW Capital Structure
| Total Debt to Total Equity | 74.624 |
| Total Debt to Total Capital | 42.734 |
| Total Debt to Total Assets | 39.22 |
| Long-Term Debt to Equity | 68.59 |
| Long-Term Debt to Total Capital | 39.279 |
- Income Statement
- Balance Sheet
- Cash Flow Statement
Annual Financials for Ezcorp Inc. - EZPW
Collapse All in section
| All values USD millions. | 2022 | 2023 | 2024 | 2025 | 5-year trend |
|---|---|---|---|---|---|
Sales/Revenue
| 886.23M | 1.05B | 1.16B | 1.27B | |
Sales Growth
| +21.48% | +18.37% | +10.73% | +9.70% | |
Cost of Goods Sold (COGS) incl D&A
| 390.22M | 471.33M | 512.40M | 560.75M | |
COGS excluding D&A
| - | - | - | - | - |
Depreciation & Amortization Expense
| 84.34M | 32.13M | 33.07M | 32.54M | |
Depreciation
| 72.64M | 22.13M | 21.47M | 21.84M | |
Amortization of Intangibles
| 11.70M | 10.00M | 11.60M | 10.70M | |
COGS Growth
| +25.58% | +20.79% | +8.71% | +9.44% | |
Gross Income
| 496.01M | 577.71M | 649.20M | 713.53M | |
Gross Income Growth
| +18.43% | +16.47% | +12.38% | +9.91% | |
Gross Profit Margin
| +55.97% | +55.07% | +55.89% | +55.99% |
| 2022 | 2023 | 2024 | 2025 | 5-year trend | |
|---|---|---|---|---|---|
SG&A Expense
| 419.36M | 486.10M | 536.61M | 564.61M | |
Research & Development
| - | - | - | - | - |
Other SG&A
| 419.36M | 486.10M | 536.61M | 564.61M | |
SGA Growth
| +8.27% | +15.92% | +10.39% | +5.22% | |
Other Operating Expense
| - | - | - | - | - |
Unusual Expense
| 2.40M | 4.34M | 843.00K | 877.00K | |
EBIT after Unusual Expense
| 74.25M | 87.26M | 111.75M | 148.04M | |
Non Operating Income/Expense
| 3.44M | (19.17M) | 17.44M | 21.76M | |
Non-Operating Interest Income
| 817.00K | 7.47M | 10.57M | 14.72M | |
Equity in Earnings of Affiliates
| 1.78M | (28.46M) | 4.71M | 6.15M | |
Interest Expense
| 9.97M | 16.46M | 13.59M | 23.03M | |
Interest Expense Growth
| -55.03% | +65.02% | -17.45% | +69.52% | |
Gross Interest Expense
| 9.97M | 16.46M | 13.59M | 23.03M | |
Interest Capitalized
| - | - | - | - | - |
Pretax Income
| 67.71M | 51.63M | 115.61M | 146.77M | |
Pretax Income Growth
| +321.57% | -23.75% | +123.90% | +26.96% | |
Pretax Margin
| +7.64% | +4.92% | +9.95% | +11.52% | |
Income Tax
| 17.55M | 13.17M | 32.51M | 37.16M | |
Income Tax - Current - Domestic
| 12.61M | 25.97M | 31.16M | 40.24M | |
Income Tax - Current - Foreign
| - | - | - | - | - |
Income Tax - Deferred - Domestic
| 4.95M | (12.80M) | 1.35M | (3.08M) | |
Income Tax - Deferred - Foreign
| - | - | - | - | - |
Income Tax Credits
| - | - | - | - | - |
Equity in Earnings of Affiliates
| 1.78M | (28.46M) | 4.71M | 6.15M | |
Other After Tax Income (Expense)
| - | - | - | - | - |
Consolidated Net Income
| 50.16M | 38.46M | 83.09M | 109.61M | |
Minority Interest Expense
| - | - | - | - | - |
Net Income
| 50.16M | 38.46M | 83.09M | 109.61M | |
Net Income Growth
| +482.44% | -23.32% | +116.04% | +31.91% | |
Net Margin Growth
| +5.66% | +3.67% | +7.15% | +8.60% | |
Extraordinaries & Discontinued Operations
| - | - | - | - | - |
Discontinued Operations
| - | - | - | - | - |
Net Income After Extraordinaries
| 50.16M | 38.46M | 83.09M | 109.61M | |
Preferred Dividends
| - | - | - | - | - |
Net Income Available to Common
| 50.16M | 38.46M | 83.09M | 109.61M | |
EPS (Basic)
| 0.8878 | 0.6919 | 1.5126 | 1.9074 | |
EPS (Basic) Growth
| +474.63% | -22.07% | +118.62% | +26.10% | |
Basic Shares Outstanding
| 56.50M | 55.59M | 54.94M | 57.47M | |
EPS (Diluted)
| 0.6996 | 0.5292 | 1.1018 | 1.42 | |
EPS (Diluted) Growth
| +354.58% | -24.36% | +108.20% | +28.88% | |
Diluted Shares Outstanding
| 82.40M | 80.86M | 84.45M | 83.38M | |
EBITDA
| 160.99M | 123.73M | 145.66M | 181.46M | |
EBITDA Growth
| +45.82% | -23.14% | +17.72% | +24.57% | |
EBITDA Margin
| +18.17% | +11.80% | +12.54% | +14.24% |
Snapshot
| Average Recommendation | OVERWEIGHT | Average Target Price | 23.833 | |
| Number of Ratings | 7 | Current Quarters Estimate | 0.412 | |
| FY Report Date | 12 / 2025 | Current Year's Estimate | 1.472 | |
| Last Quarter’s Earnings | 0.34 | Median PE on CY Estimate | N/A | |
| Year Ago Earnings | 1.43 | Next Fiscal Year Estimate | 1.709 | |
| Median PE on Next FY Estimate | N/A |
Earnings Per Share
| This Quarter | Next Quarter | This Fiscal | Next Fiscal | |
|---|---|---|---|---|
| # of Estimates | 7 | 7 | 7 | 5 |
| Mean Estimate | 0.41 | 0.33 | 1.47 | 1.71 |
| High Estimates | 0.45 | 0.36 | 1.59 | 1.81 |
| Low Estimate | 0.36 | 0.30 | 1.39 | 1.62 |
| Coefficient of Variance | 7.32 | 7.13 | 4.28 | 5.09 |
Analysts Recommendations
| Current | 1 Month Ago | 3 Months Ago | |
|---|---|---|---|
| BUY | 5 | 5 | 4 |
| OVERWEIGHT | 0 | 0 | 0 |
| HOLD | 2 | 2 | 2 |
| UNDERWEIGHT | 0 | 0 | 0 |
| SELL | 0 | 0 | 0 |
| MEAN | Overweight | Overweight | Overweight |
SEC Filings for Ezcorp Inc. - EZPW
| Filing Date | Type | Category | Amended |
|---|---|---|---|
| No results | |||
Insider Actions for Ezcorp Inc. - EZPW
| Date | Name | Shares | Transaction | Value |
|---|---|---|---|---|
| Nov 21, 2025 | Lisa VanRoekel Chief Human Resources Officer | 172,834 | Grant, award or other acq pursuant to Rule 16b-3(d) | 0.00 |
| Nov 21, 2025 | John Blair Powell Chief Operating Officer | 371,385 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 | 0.00 |
| Nov 21, 2025 | John Blair Powell Chief Operating Officer | 516,907 | Grant, award or other acq pursuant to Rule 16b-3(d) | 0.00 |
| Nov 21, 2025 | John Blair Powell Chief Operating Officer | 234,239 | Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $17.82 per share | 4,174,138.98 |
| Nov 21, 2025 | John Blair Powell Chief Operating Officer | 291,505 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 Non-derivative transaction at $17.82 per share | 5,194,619.10 |
| Nov 21, 2025 | Sunil Sajnani Chief Audit/LP Executive | 81,754 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 | 0.00 |
| Nov 21, 2025 | Sunil Sajnani Chief Audit/LP Executive | 131,142 | Grant, award or other acq pursuant to Rule 16b-3(d) | 0.00 |
| Nov 21, 2025 | Sunil Sajnani Chief Audit/LP Executive | 103,602 | Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $17.82 per share | 1,846,187.64 |
| Nov 21, 2025 | Sunil Sajnani Chief Audit/LP Executive | 115,630 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 Non-derivative transaction at $17.82 per share | 2,060,526.60 |
| Nov 21, 2025 | Michael Croney Chief Accounting Officer | 13,242 | Grant, award or other acq pursuant to Rule 16b-3(d) | 0.00 |
| Nov 21, 2025 | Lisa VanRoekel Chief Human Resources Officer | 114,979 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 | 0.00 |
| Nov 21, 2025 | Timothy K. Jugmans Chief Financial Officer | 202,835 | Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $17.82 per share | 3,614,519.70 |
| Nov 21, 2025 | Lisa VanRoekel Chief Human Resources Officer | 120,150 | Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $17.82 per share | 2,141,073.00 |
| Nov 21, 2025 | Lisa VanRoekel Chief Human Resources Officer | 142,918 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 Non-derivative transaction at $17.82 per share | 2,546,798.76 |
| Nov 21, 2025 | Lachlan P. Given Chief Executive Officer; Director | 871,929 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 | 0.00 |
| Nov 21, 2025 | Lachlan P. Given Chief Executive Officer; Director | 1,224,715 | Grant, award or other acq pursuant to Rule 16b-3(d) | 0.00 |
| Nov 21, 2025 | Lachlan P. Given Chief Executive Officer; Director | 1,072,327 | Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $17.82 per share | 19,108,867.14 |
| Nov 21, 2025 | Lachlan P. Given Chief Executive Officer; Director | 1,128,600 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 Non-derivative transaction at $17.82 per share | 20,111,652.00 |
| Nov 21, 2025 | Timothy K. Jugmans Chief Financial Officer | 348,968 | Grant, award or other acq pursuant to Rule 16b-3(d) | 0.00 |
| Nov 21, 2025 | Timothy K. Jugmans Chief Financial Officer | 238,036 | Exercise or conversion of derivative security exempted pursuant to Rule 16b-3 Non-derivative transaction at $17.82 per share | 4,241,801.52 |