EZCORP, Inc.
EZPW
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Bull / bear case
Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.
- EZCORP operates in a growing credit services industry, catering to consumers who may have limited access to traditional banking services.
- In the most recent quarter, EZCORP reported a gross margin of 58.8%, an increase from 58.2% in the prior quarter.
- The company's revenue for the last quarter was $419 million, showing a solid performance despite a 6% decrease from the previous quarter.
- The company's debt-to-equity ratio stands at 69.526, indicating a higher reliance on debt financing which could pose risks in a rising interest rate environment.
- EZCORP's revenue growth for the last year was 34.7%, but the most recent quarter saw a decline of 6% compared to the previous quarter.
- The trailing P/E ratio is 15.50, which may suggest the stock is overvalued relative to its earnings growth potential.
Fundamentals
| Market cap | $1.92B | Enterprise value | $2.42B | Trailing P/E | 15.66 | Forward P/E | 14.07 |
| PEG | 0.28 | Price / book | 1.65 | Beta | 0.71 | Dividend yield | 0.00% |
| Revenue growth | 34.7% | Earnings growth | 41.2% | Gross margin | 58.6% | Operating margin | 13.1% |
| Profit margin | 10.0% | ROE | 14.7% | ROA | 6.9% | Debt / equity | 0.70 |
| Current ratio | 4.81 | Free cash flow | -$11.00M | Analyst recommendation | none | Mean target | $40.80 |
| 52w high | $37.13 | 52w low | $16.50 |
Quarterly
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | |
|---|---|---|---|---|---|---|
| Revenue | $419M | $447M | $382M | $337M | $311M | — |
| Op margin | 13.1% | 15.2% | 15.9% | 10.9% | 11.6% | — |
| Net income | $38.2M | $49.1M | $44.3M | $26.7M | $26.5M | — |
| Gross margin | 58.8% | 58.2% | 58.4% | 59.0% | 59.1% | — |
| Gross profit | $246M | $260M | $223M | $199M | $184M | — |
| Operating income | $54.8M | $67.8M | $60.7M | $36.7M | $36.0M | — |
- Revenue -6% vs prior quarter ($419M vs $447M).
- Gross margin 58.8% (was 58.2% prior quarter).
Yearly (6y)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Revenue | $1.3B | $1.2B | $1.0B | $886M |
| Op margin | 11.7% | 9.7% | 8.7% | 8.4% |
| Net income | $110M | $83.1M | $38.5M | $50.2M |
| Gross margin | 58.5% | 58.7% | 58.1% | 59.6% |
| Gross profit | $746M | $682M | $610M | $528M |
| Operating income | $149M | $113M | $91.6M | $74.2M |
No flags
• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).
News
2026-09-06 · EZCORP (EZPW) Beat Expectations, Is The Stock Still Cheap?
2026-09-06 · EZCORP (EZPW) Stock Looks Reasonable, Not a Clear Bargain
2026-09-04 · Why Is Ezcorp (EZPW) Up 14.1% Since Last Earnings Report?
2026-08-25 · Ezcorp Insider Sold Shares Worth $1,043,100, According to a Recent SEC Filing
2026-08-13 · EZCORP Eyes Faster Expansion After Record Quarter, SMG Deal
2026-08-13 · EZCORP (EZPW) Q3 2026 Earnings Call Transcript
2026-08-07 · EZCORP Q3 Earnings Call Highlights Core Pawn Strength
2026-08-06 · EZCORP Inc (EZPW) (Q3 2026) Earnings Call Highlights: Record PLO and 48% EBITDA Surge Signal ...
2026-08-06 · EZCORP Q3 Earnings Call Highlights
2026-08-06 · EZCORP Q3 Earnings Top Estimates on Higher Revenues, Expenses Rise Y/Y
2026-08-06 · Ezcorp (EZPW) Tops Q3 Earnings and Revenue Estimates
2026-08-05 · Ezcorp: Fiscal Q3 Earnings Snapshot
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