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EZPWEZCORP, Inc.
$31.72$1.9B
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EZPW logoEZCORP, Inc.(EZPW)Earnings, Financials & Key Ratios

EZPW•NASDAQ•Banking & Credit
22.3× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryDebt Collection and Collateral Lending
AboutEZCORP, Inc. provides pawn loans in the United States and Latin America. It offers pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. The company also sells merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. In addition, it offers Lana and EZ+ web-based engagement platforms to manage pawn loans. As of September 30, 2021, the company owned and operated 516 pawn stores in the United States; 508 pawn stores in Mexico; and 124 pawn stores in Guatemala, El Salvador, and Honduras. EZCORP, Inc. was founded in 1989 and is headquartered in Austin, Texas.Show more
  • Net Interest Income-$8M-176.0%
  • Total Revenue$1.27B+9.7%
  • Net Income$110M+31.9%
  • Return on Equity11.98%+11.8%
  • Net Interest Margin-0.43%-111.2%
  • Efficiency Ratio46.84%-4.5%
  • ROA6.36%+13.4%
  • Equity / Assets52.56%-2.5%
  • Book Value per Share12.30+29.1%

EZPW Key Insights

EZCORP, Inc. (EZPW) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 46.8% efficiency ratio
  • ✓Momentum leader: RS Rating 86 (top 14%)
  • ✓Well capitalized: 52.6% equity/assets
  • ✓Diversified revenue: 98.8% from non-interest income

✗Weaknesses

  • ✗Weak NIM of -0.4%

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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EZPW Price & Volume

EZCORP, Inc. (EZPW) stock price & volume — 10-year historical chart

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EZPW Growth Metrics

EZCORP, Inc. (EZPW) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years5.87%
5 Years9.14%
3 Years12.87%
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years29.77%
TTM43.51%

EPS CAGR

10 Years-
5 Years-
3 Years26.59%
TTM3800%

Return on Capital

10 Years5.17%
5 Years7.17%
3 Years8.83%
Last Year10.03%

EZPW Recent Earnings

EZCORP, Inc. (EZPW) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
May 6, 2026
Metric
Actual
Est
EPS
$0.58+61.1%
$0.36
Rev
$447M+14.4%
$391M
Q2 2026
Apr 27, 2026
Metric
Actual
Est
EPS
$0.58+61.1%
$0.36
Rev
$447M+14.4%
$391M
Q1 2026
Feb 4, 2026
Metric
Actual
Est
EPS
$0.55+37.5%
$0.40
Rev
$382M+5.8%
$361M
Q4 2025
Nov 13, 2025
Metric
Actual
Est
EPS
$0.34+17.2%
$0.29
Rev
$337M-3.2%
$348M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 6, 2026
$0.58vs $0.36+61.1%
$447Mvs $391M+14.4%
Q2 2026Apr 27, 2026
$0.58vs $0.36+61.1%
$447Mvs $391M+14.4%
Q1 2026Feb 4, 2026
$0.55vs $0.40+37.5%
$382Mvs $361M+5.8%
Q4 2025Nov 13, 2025
$0.34vs $0.29+17.2%
$337Mvs $348M-3.2%
Based on last 12 quarters of dataView full earnings history →

EZPW Peer Comparison

EZCORP, Inc. (EZPW) competitors in Debt Collection and Collateral Lending — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
FCFS logoFCFSFirstCash Holdings, IncDirect Competitor10.02B227.0530.608.04%9.14%15.91%1.24
CASH logoCASHPathward Financial, Inc.Direct Competitor1.79B82.0510.432.44%26.37%22.85%0.05
WRLD logoWRLDWorld Acceptance CorporationProduct Competitor896.53M177.9510.92-1.46%7.46%10.79%1.20
RM logoRMRegional Management Corp.Product Competitor349.57M37.208.369.7%7.4%13.16%4.65
ENVA logoENVAEnova International, Inc.Product Competitor5.05B202.5517.4918.58%9.95%24.88%3.41
NEM logoNEMNewmont CorporationSupply Chain115B103.7916.1919.08%30.54%15.58%0.01
EBAY logoEBAYeBay Inc.Supply Chain49.47B108.2424.947.95%17.58%44.12%1.60
SLM logoSLMSLM CorporationOften Compared4.56B23.036.664.1%33.13%31.01%2.39

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

EZPW Income Statement

EZCORP, Inc. (EZPW) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricSep'17Sep'18Sep'19Sep'20Sep'21Sep'22Sep'23Sep'24Sep'25TTM
Net Interest Income
-15.7M-10.79M-21.55M-19.3M-19.7M-9.15M-8.99M-3.01M-8.31M-10.61M
NII Growth %
4.24%31.25%-99.68%10.45%-2.08%53.53%1.85%66.5%-176.01%-946.59%
Net Interest Margin %
-1.53%-0.87%-1.99%-1.61%-1.55%-0.68%-0.61%-0.2%-0.43%-0.53%
Interest Income
12.1M17.04M11.09M3.17M2.48M817K7.47M10.57M14.72M17.44M
Interest Expense
27.8M27.83M32.64M22.47M22.18M9.97M16.46M13.59M23.03M28.05M
Loan Loss Provision
284.64M302.77M320.14M351.1M257.89M348.11M422.75M465.74M505.19M524.45M
Non-Interest Income
735.85M795.12M836.14M819.6M727.07M885.41M1.04B1.15B1.26B1.32B
Non-Interest Income %
98.38%97.9%98.69%99.61%99.66%99.91%99.29%99.09%98.84%98.69%
Total Revenue
747.95M▲ 0%
812.16M▲ 8.6%
847.23M▲ 4.3%
822.78M▼ 2.9%
729.55M▼ 11.3%
886.23M▲ 21.5%
1.05B▲ 18.4%
1.16B▲ 10.7%
1.27B▲ 9.7%
1.34B▲ 0%
Revenue Growth %
2.39%8.58%4.32%-2.89%-11.33%21.48%18.37%10.73%9.7%51.41%
Non-Interest Expense
382.47M414.43M447.44M497.58M418.32M453.23M517.69M569.74M596.9M615.79M
Efficiency Ratio
51.14%51.03%52.81%60.48%57.34%51.14%49.35%49.05%46.84%46.09%
Operating Income
53.04M▲ 0%
67.12M▲ 26.6%
47.01M▼ 30.0%
-48.38M▼ 202.9%
31.17M▲ 164.4%
74.92M▲ 140.4%
92.15M▲ 23.0%
112.53M▲ 22.1%
149.17M▲ 32.6%
167.84M▲ 0%
Operating Margin %
7.09%8.26%5.55%-5.88%4.27%8.45%8.78%9.69%11.71%12.56%
Operating Income Growth %
81.81%26.56%-29.97%-202.93%164.42%140.37%22.99%22.12%32.56%-
Pretax Income
42.68M▲ 0%
55.54M▲ 30.1%
4.17M▼ 92.5%
-70.09M▼ 1779.3%
16.06M▲ 122.9%
67.71M▲ 321.6%
51.63M▼ 23.7%
115.61M▲ 123.9%
146.77M▲ 27.0%
164.56M▲ 0%
Pretax Margin %
5.71%6.84%0.49%-8.52%2.2%7.64%4.92%9.95%11.52%12.32%
Income Tax
11.09M18.39M2.41M-1.63M7.45M17.55M13.17M32.51M37.16M41.66M
Effective Tax Rate %
25.99%33.11%57.64%2.33%46.38%25.92%25.51%28.12%25.32%25.32%
Net Income
31.41M▲ 0%
37.28M▲ 18.7%
2.54M▼ 93.2%
-68.46M▼ 2794.3%
8.61M▲ 112.6%
50.16M▲ 482.4%
38.46M▼ 23.3%
83.09M▲ 116.0%
109.61M▲ 31.9%
122.9M▲ 0%
Net Margin %
4.2%4.59%0.3%-8.32%1.18%5.66%3.67%7.15%8.6%9.2%
Net Income Growth %
138.9%18.69%-93.18%-2794.33%112.58%482.44%-23.32%116.04%31.91%43.51%
Net Income (Continuing)
31.59M37.15M1.77M-68.46M8.61M50.16M38.46M83.09M109.61M122.9M
EPS (Diluted)
0.62▲ 0%
0.67▲ 8.1%
0.03▼ 95.3%
-1.24▼ 4024.1%
0.15▲ 112.1%
0.70▲ 366.7%
0.53▼ 24.3%
1.10▲ 107.5%
1.42▲ 29.1%
1.48▲ 0%
EPS Growth %
141.89%8.06%-95.28%-4024.05%112.1%366.67%-24.29%107.55%29.09%3800%
EPS (Basic)
0.620.720.03-1.240.150.890.771.691.91-
Diluted Shares Outstanding
54.37M57.9M55.98M55.31M55.95M82.4M80.86M84.45M83.38M83.28M

EZPW Balance Sheet

EZCORP, Inc. (EZPW) balance sheet — assets, liabilities & shareholders' equity

MetricSep'17Sep'18Sep'19Sep'20Sep'21Sep'22Sep'23Sep'24Sep'25TTM
Cash & Short Term Investments
164.39M285.31M157.57M304.54M253.67M206.03M220.59M170.51M469.52M1.91B
Cash & Due from Banks
164.39M285.31M157.57M304.54M253.67M206.03M220.59M170.51M469.52M465.91M
Short Term Investments
0000000000
Total Investments
43.32M49.5M34.52M32.46M37.72M61.95M47.21M13.33M70.03M25.72M
Investments Growth %
16.67%14.27%-30.27%-5.96%16.22%64.23%-23.8%-71.76%425.37%520.77%
Long-Term Investments
43.32M49.5M34.52M32.46M37.72M61.95M47.21M13.33M70.03M227.27M
Accounts Receivables
51.06M49.86M42.69M27.57M38.66M41.91M51.68M60.49M63.84M63.54M
Goodwill & Intangibles
287.18M354.17M368.57M316.22M347.86M343.65M360.59M364.93M383.72M390.66M
Goodwill
254.76M299.25M300.53M257.58M285.76M286.83M302.37M306.48M324.89M331.08M
Intangible Assets
32.42M54.92M68.04M58.64M62.1M56.82M58.22M58.45M58.83M59.58M
PP&E (Net)
57.96M73.65M67.36M240.79M254.8M278.13M302.48M292.57M311.79M312.51M
Other Assets
38.09M7.09M5.5M5.37M5.92M7.84M12.01M68.04M30.26M83.66M
Total Current Assets
580.96M749.38M605.76M593.25M610.86M644.16M719.72M729M1.13B1.15B
Total Non-Current Assets
443.41M492.39M477.94M603.77M656.05M703.72M747.99M764.24M825.25M842.1M
Total Assets
1.02B▲ 0%
1.24B▲ 21.2%
1.08B▼ 12.7%
1.2B▲ 10.5%
1.27B▲ 5.8%
1.35B▲ 6.4%
1.47B▲ 8.9%
1.49B▲ 1.7%
1.95B▲ 30.7%
1.99B▲ 0%
Asset Growth %
4.18%21.22%-12.73%10.46%5.84%6.39%8.89%1.74%30.67%109.25%
Return on Assets (ROA)
3.13%3.29%0.22%-6%0.7%3.84%2.73%5.61%6.36%6.42%
Accounts Payable
13.06M10.5M25.95M19.11M22.46M24.06M23.02M20.85M22.92M16.92M
Total Debt
284.81M416.88M238.59M454.01M477.78M545.99M610.48M566.94M764.04M765.52M
Net Debt
120.41M131.57M81.03M149.47M224.11M339.96M389.89M396.43M294.52M299.61M
Long-Term Debt
284.81M226.7M238.38M251.02M264.19M312.9M325.85M224.26M518.08M518.55M
Short-Term Debt
0190.18M214K213K0034.27M103.07M00
Other Liabilities
7.05M6.89M7.3M10.85M10.38M8.75M10.5M12.34M19.77M20.1M
Total Current Liabilities
72.58M259.96M91.09M132.47M155.09M152.87M191.97M269.38M200.57M190.05M
Total Non-Current Liabilities
291.86M242.41M247.67M415.43M439.58M502.78M529.97M419.29M725.15M726.73M
Total Liabilities
364.44M502.37M338.75M547.9M594.67M655.65M721.94M688.67M925.72M916.78M
Total Equity
659.93M▲ 0%
739.41M▲ 12.0%
744.95M▲ 0.7%
649.13M▼ 12.9%
672.24M▲ 3.6%
692.23M▲ 3.0%
745.77M▲ 7.7%
804.57M▲ 7.9%
1.03B▲ 27.5%
1.07B▲ 0%
Equity Growth %
11.06%12.04%0.75%-12.86%3.56%2.97%7.73%7.88%27.46%87.34%
Equity / Assets (Capital Ratio)
64.42%59.54%68.74%54.23%53.06%51.36%50.81%53.88%52.56%53.87%
Return on Equity (ROE)
5.01%5.33%0.34%-9.82%1.3%7.35%5.35%10.72%11.98%12.48%
Book Value per Share
12.1412.7713.3111.7412.028.409.229.5312.3012.86
Tangible BV per Share
6.866.656.726.025.804.234.765.217.708.17
Common Stock
544K546K556K551K560K564K549K546K609K617K
Additional Paid-in Capital
348.53M397.93M407.63M398.48M403.31M345.33M346.18M348.37M450.89M447.94M
Retained Earnings
351.67M386.62M389.16M318.17M326.78M402.01M431.14M507.21M612.69M656.99M
Accumulated OCI
-38.37M-42.36M-52.4M-68.07M-58.41M-55.67M-32.1M-51.55M-38.7M-34.84M
Treasury Stock
0000000000
Preferred Stock
0000000000

EZPW Cash Flow Statement

EZCORP, Inc. (EZPW) cash flow — operating, investing & free cash flow history

MetricSep'17Sep'18Sep'19Sep'20Sep'21Sep'22Sep'23Sep'24Sep'25TTM
Cash from Operations
50.67M88.98M103.52M49.08M46.44M66.53M101.83M113.6M148.99M163.85M
Operating CF Growth %
-25.61%75.62%16.34%-52.59%-5.38%43.28%53.05%11.55%31.15%216.88%
Net Income
29.76M36.29M1.31M-68.46M8.61M50.16M38.46M83.09M109.61M122.9M
Depreciation & Amortization
23.66M25.48M28.8M76.48M79.15M32.14M89.07M33.07M32.54M32.96M
Deferred Taxes
6.1M7.92M1.62M-8.39M3.28M4.95M-12.8M1.35M-3.08M-3.47M
Other Non-Cash Items
8.16M17.23M44.52M71.13M1.81M55.48M35.62M56.99M54.63M61.66M
Working Capital Changes
-22.88M-8.73M17.52M-16.57M-50.36M-81.24M-58.05M-71.32M-57.18M-59.26M
Cash from Investing
-13.4M-134.21M-27.83M109.9M-84.61M-113.28M-110.89M-111.85M-117.86M-136.49M
Purchase of Investments
00000-16.5M-15M-15.68M0-718K
Sale/Maturity of Investments
0000000000
Net Investment Activity
00000-16.5M-15M-15.68M0-718K
Acquisitions
-2.25M-107.2M-8.12M0-19.02M-8.78M-17.01M-13.24M-21.48M-29.91M
Other Investing
7.7M13.47M19.13M138.42M-41.99M-56.11M-38.43M-47.16M-57.82M-72.91M
Cash from Financing
53.35M167.59M-198.32M-6.25M-16.25M-2.83M23.69M-50.18M274.42M275M
Dividends Paid
000000000-3.52M
Share Repurchases
000-5.16M0-2.04M-16.99M-12.01M-7M-10.35M
Stock Issued
0000000000
Net Stock Activity
000-5.16M0-2.04M-16.99M-12.01M-7M-10.35M
Debt Issuance (Net)
1000K1000K-1000K714K-1000K01000K-1000K1000K-330K
Other Financing
-767K-311K-3.29M-1.81M-839K-792K-10.56M-3.29M-11.56M3.49M
Net Change in Cash
91.34M▲ 0%
121.71M▲ 33.3%
-123.14M▼ 201.2%
150.11M▲ 221.9%
-48.93M▼ 132.6%
-49.26M▼ 0.7%
14.6M▲ 129.6%
-49.16M▼ 436.7%
304.91M▲ 720.2%
296.85M▲ 0%
Exchange Rate Effect
724K-654K-507K-2.61M5.5M325K-41K-725K-637K-5.51M
Cash at Beginning
72.53M163.87M285.58M162.44M312.55M263.62M214.37M228.97M179.81M484.71M
Cash at End
163.87M285.58M162.44M312.55M263.62M214.37M228.97M179.81M484.71M486.12M
Interest Paid
9.07M8.41M12.9M8.49M8.23M8.23M11.14M12.07M11.08M0
Income Taxes Paid
8.87M13.68M11.13M9.75M3.7M15.9M11.41M25.74M39.46M0
Free Cash Flow
25.66M▲ 0%
48.51M▲ 89.0%
64.68M▲ 33.3%
20.55M▼ 68.2%
22.84M▲ 11.1%
34.64M▲ 51.7%
61.39M▲ 77.2%
77.84M▲ 26.8%
110.42M▲ 41.9%
123.44M▲ 0%
FCF Growth %
-53.21%89%33.34%-68.22%11.12%51.68%77.22%26.79%41.87%44.02%

EZPW Banking Ratios

EZCORP, Inc. (EZPW) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
Return on Equity (ROE)
5.01%5.33%0.34%-9.82%1.3%7.35%5.35%10.72%11.98%12.48%
Return on Assets (ROA)
3.13%3.29%0.22%-6%0.7%3.84%2.73%5.61%6.36%6.42%
Net Interest Margin
-1.53%-0.87%-1.99%-1.61%-1.55%-0.68%-0.61%-0.2%-0.43%-0.53%
Efficiency Ratio
51.14%51.03%52.81%60.48%57.34%51.14%49.35%49.05%46.84%46.09%
Equity / Assets
64.42%59.54%68.74%54.23%53.06%51.36%50.81%53.88%52.56%53.87%
Book Value / Share
12.1412.7713.3111.7412.028.49.229.5312.312.86
NII Growth
4.24%31.25%-99.68%10.45%-2.08%53.53%1.85%66.5%-176.01%-225.04%
Dividend Payout
---------0%
Related:EZPW Dividend History·EZPW Revenue History·EZPW Price History·EZPW P/E History·EZPW Financial Ratios·EZPW Institutional Holders

EZPW SEC Filings & Documents

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

8-K Announcements

6
Material company update

Mar 27, 2026·SEC

Material company update

Feb 4, 2026·SEC

Material company update

Jan 5, 2026·SEC

10-K Annual Reports

4
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

Feb 4, 2026·SEC

FY 2025

Jul 30, 2025·SEC

FY 2025

Apr 28, 2025·SEC

EZPW Frequently Asked Questions

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

Growth & Financials

EZCORP, Inc. (EZPW) grew revenue by 9.7% over the past year. This is steady growth.

Yes, EZCORP, Inc. (EZPW) is profitable, generating $122.9M in net income for fiscal year 2025 (8.6% net margin).

Dividend & Returns

EZCORP, Inc. (EZPW) has a return on equity (ROE) of 12.0%. This is reasonable for most industries.

Industry Metrics

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

EZCORP, Inc. (EZPW) has an efficiency ratio of 46.8%. 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

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How much would $100/month in EZPW be worth today?

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