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EZCORP, Inc.

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
$1.16B
P/E (TTM)
11.1
28
Dividend Yield
--
52W High
$20.29
52W Low
$11.56
52W Range
97%
Rank47Top 48.2%
3.8
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.8 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q4 2025 Data

Revenue

$336.81M+14.35%
4-Quarter Trend

EPS

$0.44-132.12%
4-Quarter Trend

FCF

$35.75M+46.24%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Jumps 32% Net income reached $109.6M USD, reflecting substantial 32% increase over prior fiscal year results, driven by strong operations.
Gross Profit Rises 9% Total gross profit grew 9% to $746.1M USD; jewelry scrap gross profit surged 188% due to increased gold prices.
Store Count and PLO Growth Total locations reached 1,360, adding 63 net stores; Pawn Loans Outstanding increased 12% to $307.5M USD.
Cash Position Strengthened Cash and equivalents balance grew to $469.5M USD, driven by financing activities including new senior notes issuance.

Risk Factors

Industry Characterization Risks Negative industry characterizations could increase legislative activity, potentially harming operations and depressing publicly traded stock value.
Gold Value Volatility Impact Earnings highly dependent on gold values; sudden declines in gold prices or transaction volumes could materially impact margins.
Texas/Florida Business Concentration Over 62% of U.S. pawn stores are concentrated in Texas and Florida, susceptible to regional regulatory changes or weather.
New Senior Notes Impact Issuance of $300.0M 2032 Senior Notes increases interest expense and limits future financing flexibility and cash flow uses.

Outlook

Continued Store Expansion Plans Strategy focuses on growing locations via de novo openings and acquisitions in both Latin America and the U.S. markets.
New Share Repurchase Program Board approved new $50M share repurchase program for Class A stock over the next three years, replacing expired plan.
Core Strategy Execution Focus Focus remains on strengthening the core pawn business, driving cost efficiency, and modernizing IT and data assets.
Long-Term Incentive Structure Fiscal 2026 LTI awards emphasize performance-based vesting (80% of units) tied to sustained earnings growth targets.

Peer Comparison

Revenue (TTM)

Navient CorporationNAVI
$3.41B
-25.0%
Atlanticus Holdings CorporationATLC
$1.36B
+28.7%
EZCORP, Inc.EZPW
$1.27B
+9.7%

Gross Margin (Latest Quarter)

Atlanticus Holdings CorporationATLC
96.3%
-0.2pp
Navient CorporationNAVI
95.9%
+19.4pp
Oaktree Specialty Lending CorporationOCSL
84.4%
+31.2pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
CSWC$1.26B14.09.8%21.0%
NAVI$1.25B-24.6-2.0%10.0%
OCSL$1.20B35.32.3%49.5%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
1.7%
Moderate Growth
4Q Net Income CAGR
-4.9%
Stable Profitability
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Reports
All Years

  • Form 10-K - FY 2025

    Period End: Sep 30, 2025|Filed: Nov 13, 2025|
    Revenue: $1.27B+9.7%
    |
    EPS: $1.91+13.0%
    Beat

  • Form 10-Q - Q3 2025

    Period End: Jun 30, 2025|Filed: Jul 30, 2025|
    Revenue: $310.98M+10.5%
    |
    EPS: $0.45+21.6%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Mar 31, 2025|Filed: Apr 28, 2025|
    Revenue: $306.32M+7.2%
    |
    EPS: $0.46+17.9%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Dec 31, 2024|Filed: Feb 5, 2025|
    Revenue: $320.17M+6.7%
    |
    EPS: $0.57+9.6%
    Beat

  • Form 10-K - FY 2024

    Period End: Sep 30, 2024|Filed: Nov 13, 2024|
    Revenue: $1.16B+10.7%
    |
    EPS: $1.69+119.5%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Jun 30, 2024|Filed: Jul 31, 2024|
    Revenue: $281.42M+10.0%
    |
    EPS: $0.37+12.1%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Mar 31, 2024|Filed: May 1, 2024|
    Revenue: $285.64M+10.5%
    |
    EPS: $0.39-425.0%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Dec 31, 2023|Filed: Jan 31, 2024|
    Revenue: $299.99M+13.5%
    |
    EPS: $0.52+62.5%
    Beat