EZCORP, Inc. logo

EZCORP, Inc.

EZPW

NASDAQFinancial ServicesFinancial - Credit Services

Latest quote

$35.05

+$2.83 · +8.78%

Aug 24, 4:00 PM ET

EZPW company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

91

Deep Value

Momentum

71

Gaining

Sentiment

54

Mixed

Risk resilience

59

Elevated Risk

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Company profile

Company website

EZCORP, Inc. operates primarily by offering collateralized loans, commonly known as pawn loans, to individuals in both the United States and various Latin American countries. These loans are secured by a wide array of personal items, including but not limited to jewelry, consumer electronics, tools, sporting equipment, and musical instruments. Beyond its lending activities, the company also engages in the retail sale of merchandise. This inventory largely comprises items that were once collateral for unredeemed pawn loans, as well as pre-owned goods directly acquired from customers. To further support its clientele, EZCORP provides online platforms, Lana and EZ+, designed to facilitate the management of pawn loans. As of September 30, 2021, EZCORP, Inc. maintained a substantial physical presence, with 516 company-owned and operated pawn shops in the U.S., 508 in Mexico, and an additional 124 locations spread across Guatemala, El Salvador, and Honduras. The company was founded in 1989 and has its corporate headquarters situated in Austin, Texas.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
US
CEO
Lachlan Given
Listed since
Aug 27, 1991
Employees
8,500

Market position

Day range

Current $35.05

52-week range

Current $35.05

Open
$32.13
Previous close
$32.22
Volume
2.69M
2.86× average
Average volume
941.12K
Average daily volume
Market cap
2.05B USD
Beta
0.64
Market reference 1
50-day average
$31.2806
+12.05% above average
200-day average
$26.6564
+31.49% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
13.59×
P/B (TTM)
1.85×
P/S (TTM)
1.3×
Dividend yield
0.00%

Profitability & efficiency

Gross margin
57.95%
Operating margin
13.90%
Net margin
9.99%

Financial health

Debt / equity
0.7×

Earnings

EPS beat rate
91%
10 beats, 0 misses, 1 met estimate
Average EPS surprise
+21.97%
11 comparable reports
Latest EPS result
0.47
Estimate 0.41 · Beat by 15.85%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.620.480.340.2Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 5, 2025: actual 0.42, estimate 0.35, surprise +20.00%, Beat. Q2 2025, reported Apr 28, 2025: actual 0.34, estimate 0.32, surprise +6.25%, Beat. Q3 2025, reported Jul 30, 2025: actual 0.33, estimate 0.23, surprise +43.48%, Beat. Q4 2025, reported Nov 13, 2025: actual 0.34, estimate 0.29, surprise +17.24%, Beat. Q1 2026, reported Feb 4, 2026: actual 0.55, estimate 0.4, surprise +37.50%, Beat. Q2 2026, reported May 6, 2026: actual 0.58, estimate 0.36, surprise +61.11%, Beat. Q3 2026, reported Aug 5, 2026: actual 0.47, estimate 0.406, surprise +15.85%, Beat. Q4 2026, reported Nov 12, 2026: actual —, estimate 0.4, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates464.76M404.38M344M283.62MQ1 '25MissQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 5, 2025: actual 320.17M USD, estimate 322.83M USD, surprise -0.82%, Miss. Q2 2025, reported Apr 28, 2025: actual 306.32M USD, estimate 301.5M USD, surprise +1.60%, Beat. Q3 2025, reported Jul 30, 2025: actual 310.98M USD, estimate 324.93M USD, surprise -4.29%, Miss. Q4 2025, reported Nov 13, 2025: actual 336.81M USD, estimate 347.95M USD, surprise -3.20%, Miss. Q1 2026, reported Feb 4, 2026: actual 382M USD, estimate 361.2M USD, surprise +5.76%, Beat. Q2 2026, reported May 6, 2026: actual 446.88M USD, estimate 390.66M USD, surprise +14.39%, Beat. Q3 2026, reported Aug 5, 2026: actual 418.75M USD, estimate 425.83M USD, surprise -1.66%, Miss. Q4 2026, reported Nov 12, 2026: actual —, estimate 425.75M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$43.00

22.68% upside
Past 12 months12-month forecast

Price history unavailable

High $45.00Average $43.00Low $40.00

Rating distribution

15 ratings
Strong buy00%
Buy960%
Hold640%
Sell00%
Strong sell00%

Recent analyst actions

4 institutions
JefferiesmaintainBuy

Corporate actions

Corporate action history

Dividend

Ex-dividend Feb 4, 2000

$0.0125

Quarterly

Record Feb 8, 2000 · Payment Feb 22, 2000

Dividend

Ex-dividend Nov 29, 1999

$0.0125

Quarterly

Record Dec 1, 1999 · Payment Dec 15, 1999

Dividend

Ex-dividend Aug 6, 1999

$0.0125

Quarterly

Record Aug 10, 1999 · Payment Aug 24, 1999

Dividend

Ex-dividend May 7, 1999

$0.0125

Quarterly

Record May 11, 1999 · Payment May 25, 1999

Dividend

Ex-dividend Feb 5, 1999

$0.0125

Quarterly

Record Feb 9, 1999 · Payment Feb 23, 1999

Dividend

Ex-dividend Nov 20, 1998

$0.0125

Quarterly

Record Nov 24, 1998 · Payment Dec 7, 1998

EZPW peers

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