EZPW · NASDAQ · Financial - Credit Services

EZCORP

Provides collateral-backed pawn loans and pre-owned merchandise through an international store network.

$33.00
After-hours close−0.01 (−0.03%)
At close$33.01(−4.07%)
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Profile

EZCORP, Inc.EZPWFinancials

Provides pawn loans secured by personal property and sells pre-owned goods through U.S. and Latin American operations, now supplemented by the controlled SMG platform.

Pawn loans collateralized by personal property and sales of pre-owned merchandise form the operating base. Merchandise comes from forfeited collateral and goods bought from customers. The model serves people seeking short-term cash who are cash- and credit-constrained.

U.S. and Latin American pawn operations make up the established footprint. The controlled Founders One investment includes the SMG platform, which adds pawn stores in the United States and additional countries. SMG became a standalone reporting segment following the transaction.

Operations depend on regulated pawn and consumer-cash frameworks, while the Founders acquisition is reshaping the reporting structure.

Company facts

CEOLachlan (Lachie) P. Given
ListedAug 27, 1991
ExchangeNASDAQ
HeadquartersAustin, TX
CountryUnited States
Employees8,500
CIK0000876523
ISINUS3023011063

Key statistics

Market cap$1.93B
EPS (ttm)$1.96
P/E (ttm)16.84
ROE14.5%
P/B1.74
P/S1.22
Dividend yield
Beta1.18vs XLF 0.52

Year to date +64.6% · Average volume (30d) 1.1M

Analysts

Price target, next 12 months$44.00+33.3%Median of 15 analysts · vs the Aug 28 close
ConsensusBuy9 of 15 analysts rate it buy or better

Ratings

Target range

Latest analyst notes

DateFirmActionRatingPrior targetTarget
Jul 8, 2026JefferiesReiterateBuy$8.50$45
May 8, 2026Roth CapitalTarget$26$40
May 8, 2026Canaccord GenuityTarget$34$44
Feb 6, 2026StephensTarget$26
Feb 6, 2026Canaccord GenuityReiterateBuy$28$34

Earnings

EPS

Estimate$0.40
ReportedDue Nov 18, 2026

Revenue

Estimate$425.7M
ReportedDue Nov 18, 2026

History

Report dateEPS estEPSSurpriseRevenue estRevenueSurpriseNext session
Aug 5, 2026Q3 FY26$0.41$0.47+15.8%$425.8M$418.7M−1.7%−2.01%
May 6, 2026Q2 FY26$0.36$0.58+61.1%$390.7M$446.9M+14.4%−1.67%
Feb 4, 2026Q1 FY26$0.40$0.55+37.5%$361.2M$382.0M+5.8%+4.46%
Nov 13, 2025Q4 FY25$0.29$0.34+17.2%$348.0M$336.8M−3.2%+1.95%
View details

Financial highlights

12 quartersQ2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26Q3 FY26
Revenue$306.3M$311.0M$336.8M$382.0M$446.9M$418.7M
Gross profit$178.5M$183.6M$198.6M$223.0M$250.5M$246.2M
Operating income$34.2M$36.0M$37.0M$60.6M$67.8M$54.8M
Net income$25.4M$26.5M$26.7M$44.3M$49.1M$38.2M
Diluted EPS$0.33$0.34$0.34$0.55$0.59$0.48
Gross margin58.3%59.1%59.0%58.4%56.0%58.8%
Operating margin11.2%11.6%11.0%15.9%15.2%13.1%

Fiscal years (4-quarter sums)FY21 $729.6M · FY22 $886.2M · FY23 $1.05B · FY24 $1.16B · FY25 $1.27B

Revenue by product · Q3 FY26

Merchandise$209.7M · 58%
Pawn Service$152.5M · 42%
Product And Service, Other$43.0K · 0%

Revenue by geography · Q3 FY26

Latin American Pawn Segment$124.4M · 100%

Balance sheet, Jun 30, 2026Cash & short-term investments $311.0M · Total debt $810.7M · Total assets $2.17B · Shareholders' equity $1.16B

Dividends

No dividends on record.

Ownership

Institutions 124.64%Insiders 4.97%

A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.

Shares outstanding 58.57M · Float 55.56M · 94.9% free float

Top shareholders13F · 13D/G · Form 4

HolderShares% outstandingFormFiled
FMR LLC8.28M14.14%13FAug 13, 2026
BlackRock, Inc.6.81M11.63%13FAug 7, 2026
Capital Research Global Investors3.53M6.02%13FAug 12, 2026
Dimensional Fund Advisors LP3.06M5.23%13FAug 11, 2026
Vanguard Capital Management2.94M5.02%13GJul 31, 2026

Insider tradesForm 4

DateInsiderRoleSharesAvg price
Aug 24, 2026Ellen H. Bryantofficer: Chief Legal Officer−30,000$34.77
Jul 6, 2026Pablo Lagos Espinosadirector−10,000$35.54
Jun 5, 2026Pablo Lagos Espinosadirector−10,000$32.00
May 20, 2026Matthew W. Appeldirector−15,037$33.25
May 12, 2026Jason A. Kulasdirector−20,000$33.56
View details

Peers

  • FirstCash

    Direct pawn rival across the U.S., Mexico and Central America

  • eBay

    Online marketplace for pre-owned merchandise resale

  • Upbound Group

    Lease-to-own and financial tools for underserved consumers

  • Enova International

    Online lending alternative for underserved consumers

  • Oportun Financial

    Personal-loan alternative, including secured loans

CompareAfter-hours close

CompanyPriceChange
EZCORP$33.00−0.03%$1.93B16.816.41.2+34.7%
FirstCash$219.21+0.08%$9.51B25.018.12.3+29.4%
eBay$105.17−0.42%$46.90B21.916.83.9+14.8%
Upbound Group$19.220.00%$1.12B12.54.40.2+0.5%
Enova International$232.30−0.09%$5.79B17.312.01.9+21.6%
Oportun Financial$7.36−0.14%$337.8M18.44.10.5+42.1%
Median18.412.01.9+21.6%