EZCORP, Inc. (EZPW) — Estimates & Forecasts
Proprietary EPS, revenue & margin forecasts — FY+1 to FY+4
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Proprietary EPS, revenue & margin forecasts — FY+1 to FY+4
| Metric | 2023 | 2024 | 2025 | 2026E | 2027E | 2028E | 2029E |
|---|---|---|---|---|---|---|---|
| Net Income | $38M | $83M | $110M | $101M | $114M | $119M | $133M |
| EPS (Diluted) | $0.53 | $1.10 | $1.42 | $1.23 | $1.41 | $1.48 | $1.68 |
| YoY Growth | — | +116.0% | +31.9% | -7.7% | +12.9% | +4.1% | +12.1% |
| Net Margin | 3.7% | 7.2% | 8.6% | 7.1% | 7.3% | 7.0% | 7.2% |
| Metric | 2025A | 2026E | 2027E | 2028E | 2029E |
|---|---|---|---|---|---|
| Revenue | $1.3B | $1.4B | $1.6B | $1.7B | $1.9B |
| Net Income | $110M | $101M | $114M | $119M | $133M |
| EPS (Diluted) | $1.42 | $1.23 | $1.41 | $1.48 | $1.68 |
| Free Cash Flow | $110M | $130M | $148M | $164M | $184M |
Forecast is usable, but expect normal estimate drift around earnings and macro events.
EZCORP, Inc.'s projected EPS for the next fiscal year is $1.23. This estimate blends our quantitative model with Wall Street analyst consensus and carries a confidence score of 55/100. The model factors in revenue trajectory, margin path, and share buyback trends to arrive at this figure.
Our scenario-based model produces three price targets for EZCORP, Inc.: Bear case $-6, Base case $26, and Bull case $26. These targets are derived by applying the median historical P/E ratio to forward EPS estimates under each growth scenario. They are not buy/sell recommendations.
EZCORP, Inc.'s projected revenue growth for the next fiscal year is 11.7%, reaching approximately $1.4B in total revenue. Growth estimates are probability-weighted and blend analyst consensus with our CAGR extrapolation model. Outer years (FY+3, FY+4) fade toward industry median growth rates.
Accuracy depends on several measurable factors. Our model confidence score of 55/100 is computed from revenue predictability (25% weight), margin stability (20%), historical earnings beat rate (20%), data depth (15%), analyst coverage (10%), and model-consensus agreement (10%). Currently expanding margins support higher forecast reliability. No forecast model is perfect — always cross-reference with your own analysis.
EZCORP, Inc.'s forward operating margin is estimated at 9.8% for the next fiscal year. The margin trend is currently "expanding". Our model tracks margin mean-reversion patterns and adjusts for sector-specific cost dynamics. Operating leverage is a key driver of EPS growth beyond top-line revenue expansion.
The v2 model uses a multi-step process: (1) Revenue is projected via blended CAGR with probability weighting, (2) Operating and net margins follow a mean-reversion path calibrated to sector norms, (3) EPS is derived from net income divided by projected diluted shares (accounting for buyback trends), (4) For FY+1 and FY+2, estimates are blended with analyst consensus based on coverage depth, (5) Price targets apply median historical P/E to forward EPS under bear/base/bull growth scenarios. All inputs are from public filings and third-party data providers.
The bear case ($-6) assumes P25 revenue growth, worst-case margins, and multiple compression. Key risks include: unexpected margin contraction, revenue deceleration below model floor, regulatory headwinds, macro deterioration, or competitive disruption. A confidence score below 60 suggests higher estimate volatility. Always size positions according to the full scenario range, not just the base case.
Our model is below Wall Street consensus with a 31.4% gap. For FY+1, analyst estimates blend with our model at 15% analyst weight. By FY+3 and FY+4, estimates are purely model-driven as analyst coverage thins out at longer horizons.