EZCORP, Inc.
NASDAQ•EZPW
CEO: Mr. Phillip Ean Cohen B.Com., M.B.A.
Sector: Financial Services
Industry: Financial - Credit Services
Listing Date: 1991-08-27
EZCORP, Inc. provides pawn services in the United States and Latin America. The company operates through U.S. Pawn, Latin America Pawn, and Other Investments segments. The company offers pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. It also retails merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. In addition, the company provides EZ+, a web-based application that allow customers to manage their pawn transactions, layaways, and loyalty rewards online. Further, it operates under the EZPAWN, Value Pawn & Jewelry, Empeño Fácil, Cash Apoyo Efectivo, GuatePrenda, and MaxiEfectivo brands. EZCORP, Inc. was incorporated in 1989 and is headquartered in Austin, Texas.
Contact Information
Building One, Suite 200 2500 Bee Cave Road Rollingwood, Austin, TX, 78746, United States
512-314-3400
Market Cap
$1.57B
P/E (TTM)
13.3
21.1
Dividend Yield
--
52W High
$27.30
52W Low
$12.85
52W Range
Rank38Top 36.9%
4.3
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q1 2026 Data
Revenue
$382.02M+0.00%
4-Quarter Trend
EPS
$0.72+0.00%
4-Quarter Trend
FCF
$31.69M+0.00%
4-Quarter Trend
2026 Q1 Earnings Highlights
Key Highlights
Net Income Surge Net income reached $44.30M, marking a strong 43% increase over the prior comparable period.
Total Revenue Growth Total revenues grew to $382.02M, reflecting nearly 20% expansion across pawn and merchandise sales.
U.S. Pawn Profit U.S. Pawn segment contribution increased 30% to $70.73M driven by higher average PLO.
Operating Cash Flow Net cash provided by operating activities rose 51% to $39.15M this quarter.
Risk Factors
Interest Expense Spikes Interest expense increased 159% to $8.17M, primarily driven by new 2032 Senior Notes issuance.
Gold Price Volatility Results remain influenced by market price fluctuations of gold and jewelry collateral.
Founders Acquisition Risk Preliminary purchase price allocation for Founders acquisition is subject to change pending final valuation.
Debt Refinancing Need Ability to repay longer term debt obligations may require future refinancing activities.
Outlook
Founders Consolidation Acquired controlling interest in Founders One, consolidating results starting January 2, 2026.
Store Expansion Active Net store count increased 21 in quarter via 14 acquisitions and 7 de novo openings.
Strategic Pillars Focus Focus remains on core execution, cost efficiency, and broadening customer engagement.
Liquidity Forecast Cash on hand expected to fund operations, debt service, and planned growth next twelve months.
Peer Comparison
Revenue (TTM)
$3.20B
$1.52B
$1.34B
Gross Margin (Latest Quarter)
193.4%
119.8%
94.0%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| EZPW | $1.57B | 13.3 | 12.5% | 38.5% |
| CSWC | $1.33B | 12.3 | 11.2% | 19.6% |
| OBK | $1.27B | 16.7 | 6.2% | 0.4% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
7.6%
Steady Growth
4Q Net Income CAGR
20.4%
Profitability Improved
Cash Flow Stability
100%
Strong Cash Flow
Deep Research
Next earnings:Apr 27, 2026
EPS:$0.36
|Revenue:$393.42M
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data