EZCORP
Provides collateral-backed pawn loans and pre-owned merchandise through an international store network.
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Profile
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
Categories
Key statistics
Year to date +64.6% · Average volume (30d) 1.1M
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Jul 8, 2026 | Jefferies | Reiterate | Buy | $8.50 | $45 |
| May 8, 2026 | Roth Capital | Target | $26 | $40 | |
| May 8, 2026 | Canaccord Genuity | Target | $34 | $44 | |
| Feb 6, 2026 | Stephens | Target | $26 | ||
| Feb 6, 2026 | Canaccord Genuity | Reiterate | Buy | $28 | $34 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next 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% |
Financial highlights
| 12 quarters | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 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 margin | 58.3% | 59.1% | 59.0% | 58.4% | 56.0% | 58.8% | |
| Operating margin | 11.2% | 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
Revenue by geography · Q3 FY26
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
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
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| FMR LLC | 8.28M | 14.14% | 13F | Aug 13, 2026 |
| BlackRock, Inc. | 6.81M | 11.63% | 13F | Aug 7, 2026 |
| Capital Research Global Investors | 3.53M | 6.02% | 13F | Aug 12, 2026 |
| Dimensional Fund Advisors LP | 3.06M | 5.23% | 13F | Aug 11, 2026 |
| Vanguard Capital Management | 2.94M | 5.02% | 13G | Jul 31, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 24, 2026 | Ellen H. Bryant | officer: Chief Legal Officer | −30,000 | $34.77 |
| Jul 6, 2026 | Pablo Lagos Espinosa | director | −10,000 | $35.54 |
| Jun 5, 2026 | Pablo Lagos Espinosa | director | −10,000 | $32.00 |
| May 20, 2026 | Matthew W. Appel | director | −15,037 | $33.25 |
| May 12, 2026 | Jason A. Kulas | director | −20,000 | $33.56 |
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
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| EZCORP | $33.00 | −0.03% | $1.93B | 16.8 | 16.4 | 1.2 | +34.7% |
| FirstCash | $219.21 | +0.08% | $9.51B | 25.0 | 18.1 | 2.3 | +29.4% |
| eBay | $105.17 | −0.42% | $46.90B | 21.9 | 16.8 | 3.9 | +14.8% |
| Upbound Group | $19.22 | 0.00% | $1.12B | 12.5 | 4.4 | 0.2 | +0.5% |
| Enova International | $232.30 | −0.09% | $5.79B | 17.3 | 12.0 | 1.9 | +21.6% |
| Oportun Financial | $7.36 | −0.14% | $337.8M | 18.4 | 4.1 | 0.5 | +42.1% |
| Median | 18.4 | 12.0 | 1.9 | +21.6% |







