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

www.ezcorp.com

Market Cap

$1.57B

P/E (TTM)

13.3

21.1

Dividend Yield

52W High

$27.30

52W Low

$12.85

52W Range

96%

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)

NAVI

$3.20B

-24.5%

ROOT

$1.52B

+28.9%

EZPW

$1.34B

+13.1%

Gross Margin (Latest Quarter)

MFIC

193.4%

-1.5pp

BBDC

119.8%

+0.0pp

NRDS

94.0%

+2.1pp

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