EZCORP, Inc. (EZPW) AI Stock Analysis

EZCORP, Inc. provides pawn services across the United States and Latin America through three primary segments: U.S. Pawn, Latin America Pawn, and Other Investments. The company offers pawn loans secured by tangible personal assets such as jewelry, electronics, tools, and musical instruments. It also generates retail sales by selling forfeited collateral and pre-owned merchandise. Digital operations are supported by its EZ+ platform, which allows customers to manage pawn transactions, layaways, and loyalty rewards online. As of September 30, 2022, EZCORP operated 515 pawn stores in the United States, 528 in Mexico, and 132 across Guatemala, El Salvador, and Honduras.

EZCORP grew revenue from $729.6M in FY2021 to $1.27B in FY2025, producing a 5-year revenue CAGR of 9.1% from FY2020 to FY2025. Annual net income improved from $8.6M in FY2021 to $109.6M in FY2025, as operating margin increased from 4.3% to 11.7% over the same timeframe. Annual gross margin was 58.5% in FY2025, alongside diluted EPS of $1.43. Over the trailing twelve months, revenue reached $1.58B with a profit margin of 10.0% and EPS of $1.99. In the latest quarter ended June 30, 2026, quarterly revenue grew 34.7% year-over-year, and quarterly earnings grew 41.2%.

As of June 30, 2026, EZCORP held $311.0M in cash and short-term investments against total debt of $810.7M, resulting in net debt of $499.7M. Total assets stood at $2.17B and shareholders' equity was $1.16B, reflecting a debt-to-equity ratio of 0.70 and a current ratio of 4.81. In FY2025, the business generated $149.0M in operating cash flow and $110.4M in free cash flow. Cash outlays during FY2025 included $38.6M for capital expenditures, $7.0M for share buybacks, and $3.6M for dividends paid.

EZCORP trades at a trailing P/E of 16.6x and a forward P/E of 13.7x, compared to the median of its US-listed Financial Services peers of 12.1x and 10.8x, respectively. Its enterprise value of $2.35B reflects an EV to EBITDA multiple of 8.3x, below the peer median of 11.7x. The company's price-to-sales ratio is 1.3x versus the peer median of 3.2x, while its PEG ratio sits at 0.28. Over the past year, the stock returned 76.4%, outperforming the S&P 500 (SPY) return of 16.8%.

Wall Street coverage consists of 3 Strong Buy, 1 Buy, and 1 Hold ratings, with zero Sell ratings. The mean price target is $41.00, representing a 24.2% upside compared to the last close of $33.00. For the fiscal year ending September 30, 2026, consensus estimates project revenue of $1.68B and EPS of $2.03, reflecting 42.1% expected EPS growth. EZCORP has beaten EPS estimates in each of the last 4 quarters, with its next earnings report scheduled for November 12, 2026.

This page is an AI-written research summary of EZCORP, Inc. (EZPW). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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