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EZPW
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EZPWEZCORP, Inc.
$28.55$1.7B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
EZPW logo

EZCORP, Inc.

EZPW
NASDAQ · Consumer Finance
$28.55
At close - Nov 6, 4:00 PM EST - USD
Market Cap$1.67B
P/E15.0x
52W High$37.13
Volume802.32K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Fee-Driven Revenue Surge Offsets Persistent Negative NIM

EZCORP's growth is increasingly reliant on fee income, which constituted 99.3% of total revenue in 2026Q3, driving a 24% year-over-year revenue surge to $418.7M. The company's efficiency ratio improved to 45.7%, and EPS grew 41.2%, indicating operational leverage.

GrowthAccelerating
ProfitabilityStrong
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

EZPW price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

11/12 Beats

EPS beat 11 of last 12 quarters

02

Valuation risk

+18% Peers

P/E is 18% above peer median

03

Market leadership

RS 45 · Lag

Laggard (Underperforming 55% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystConfirmed earnings · Nov 12

Market performance

Price History →

Trailing total returns as of 11/7/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
EZPW+42.32%
S&P 500 (^GSPC)+7.63%
1-Year Return
EZPW+62.12%
S&P 500 (^GSPC)+9.69%
3-Year Return
EZPW+235.88%
S&P 500 (^GSPC)+67.51%
5-Year Return
EZPW+266.03%
S&P 500 (^GSPC)+55.70%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
15.0x
Forward P/EExpansion
14.1x
EV/EBITDA20th %ile
7.7x
FCF YieldCash Flow
8.4%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
15.0x
13.4x
60th· Fair
EV/EBITDA
7.7x
9.1x
20th· Low
Price/FCF
11.9x
14.4x
20th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$15.72-44.9%
Base (Fair)$26.12-8.5%
Bull$21.64-24.2%
$15.72 Bear$26.12 Base$21.64 Bull
Current Market Price: $28.55
Trades at a 9.3% premium to Base DCF ($26.12)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$1.25B+9.0% YoY
Net income FY25
$110M+31.9% YoY
Free cash flow FY25
$110M+41.9% YoY
Operating margin FY25
11.9%+2.1 pts YoY
ROIC (FY25)7.1%
Avg ROIC 5Y5.1%
ROE (TTM)14.4%
Piotroski Score7 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate11/12 (92%)
Revenue Beat Rate7/12 (58%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 5, 2026
$0.47+15.8%
vs $0.41
$419M-1.7%
vs $426M
Q2 2026
May 6, 2026
$0.58+61.1%
vs $0.36
$447M+14.4%
vs $391M
Q1 2026
Feb 4, 2026
$0.55+37.5%
vs $0.40
$382M+5.8%
vs $361M
Q4 2025
Nov 13, 2025
$0.34+17.2%
vs $0.29
$337M-3.2%
vs $348M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Defense World·Oct 26, 2026
71,170 Shares of EZCORP, Inc. $EZPW Bought by Robeco Institutional Asset Management B.V.

Robeco Institutional Asset Management B.V. acquired a new stake in shares of EZCORP, Inc. (NASDAQ: EZPW) in the third quarter, according to the company in its most recent filing with the SEC. The firm acquired 71,170 shares of the credit services provider's stock, valued at approximately $2,118,000. Robeco Institutional Asset Management B.V. owned

Seeking Alpha·Sep 29, 2026
Ezcorp's Strong Growth Metrics, Short-Term Loans, And Collateral-Backed Lending Excel In Elevated Inflation Environment

EZCORP is rated Buy, with a DCF-derived target price of $35.43, 13.7% above its current $31.16. Strong pawn loan and PSC growth, robust acquisitions, and organic expansion drive double-digit revenue, EBITDA, and EPS CAGRs through FY2026. EZPW outperforms peers on growth metrics while maintaining higher net income margins and asset turnover than most competitors.

Defense World·Sep 19, 2026
Squarepoint Ops LLC Sells 17,503 Shares of EZCORP, Inc. $EZPW

Squarepoint Ops LLC trimmed its position in EZCORP, Inc. (NASDAQ: EZPW) by 41.8% during the second quarter, according to its most recent 13F filing with the Securities and Exchange Commission (SEC). The firm owned 24,394 shares of the credit services provider's stock after selling 17,503 shares during the period. Squarepoint Ops LLC's holdings

Defense World·Sep 17, 2026
Tidal Investments LLC Increases Stake in EZCORP, Inc. $EZPW

Tidal Investments LLC boosted its stake in EZCORP, Inc. (NASDAQ: EZPW) by 43.8% in the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission (SEC). The firm owned 59,035 shares of the credit services provider's stock after buying an additional 17,986 shares during the period. Tidal Investments LLC

Filtered for EZCORP, Inc.More Headlines
04

Compare before deciding

Benchmark EZPW against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for EZCORP, Inc. (EZPW)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
EZPW logoEZPWEZCORP, Inc.Current
$28.55$1.67B15.038.99%10.2%14.37%—
FCFS logoFCFSFirstCash Holdings, Inc
$185.67$8.05B20.217.81%9.81%17.73%0.86%
CASH logoCASHPathward Financial, Inc.
$76.26$1.61B9.0622.05%21.35%20.8%—
WRLD logoWRLDWorld Acceptance Corporation
$149.08$694.77M13.582.6%9.13%14.16%—
RM logoRMRegional Management Corp.
$36.25$333.8M7.139.1%8.05%12.61%3.19%
ENVA logoENVAEnova International, Inc.
$172.48$4.29B11.9212.2%11.89%26.36%—

Compare EZPW vs Peers

EZCORP, Inc. (EZPW) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FCFS

Most directly comparable listed peer for EZPW.

Scale Benchmark

vs NEM

Larger-name benchmark to compare EZPW against a more recognizable public peer.

Peer Set

Compare Top 5

vs FCFS, CASH, WRLD, RM

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

EZPW SEC Filings & Documents

EZCORP, Inc. (EZPW) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 5, 2026·SEC

Material company update

May 18, 2026·SEC

Material company update

May 6, 2026·SEC

10-K Annual Reports

3
FY 2025

Nov 13, 2025·SEC

FY 2024

Nov 13, 2024·SEC

FY 2023

Nov 15, 2023·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 5, 2026·SEC

FY 2026

May 6, 2026·SEC

FY 2026

Feb 4, 2026·SEC

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EZPW Frequently Asked Questions

EZCORP, Inc. (EZPW) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is EZCORP, Inc. growing?

EZCORP, Inc. (EZPW) grew revenue by 27.8% over the trailing twelve months, compared with the twelve months before.

Is EZPW profitable?

Yes. EZCORP, Inc. (EZPW) earned $158.3M in net income over the trailing twelve months (a 10.2% net margin).

Dividend & Returns
What is EZPW's return on equity?

EZCORP, Inc. (EZPW) had a return on equity (ROE) of 14.4% over the trailing twelve months. That is in line with the market's typical 10-15%.

Industry Metrics
What is EZCORP, Inc.'s net interest margin?

EZCORP, Inc. (EZPW) has a net interest margin (NIM) of -0.4%. NIM has been under pressure due to interest rate environment.

What is EZCORP, Inc.'s efficiency ratio?

EZCORP, Inc. (EZPW) has an efficiency ratio of 47.7%. This is excellent, indicating strong cost control.

What if you invested $1,000 in EZPW back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →