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EZCORP (EZPW) Stock Price & Analysis
EZPW Stock Chart & Stats
- Day’s Range
- $28.96 - $30.03
- 52-Week Range
- $16.50 - $37.13
- Previous Close
- $28.74
- Volume
- N/A
- Average Volume (3M)
- 760.74K
- Market Cap
- $1.77B
- Enterprise Value
- $3.38B
- Total Cash (Recent Filing)
- $311.03M
- Total Debt (Recent Filing)
- $810.75M
- Price to Earnings (P/E)
- 11.4
- Beta
- 0.33
- Next Earnings
- Nov 18, 2026 (Est.)
- EPS Estimate
- 0.42
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Core Pawn And Revenue Growth
Strong core pawn growth, including positive same-store results, indicates broad customer demand and effective execution beyond volatile scrap sales. This supports durable revenue expansion, better operating leverage, and continued earnings growth as existing stores mature and new locations contribute.
Stronger Balance Sheet And Liquidity
Material deleveraging and substantial liquidity improve EZCORP’s financial resilience and strategic flexibility. A stronger capital base can support store expansion, acquisitions, technology investment, and shareholder returns while reducing refinancing pressure through the next several years.
Improving Cash Generation
Growing operating and free cash flow demonstrates that improved earnings are translating into meaningful funding capacity. This supports internally financed expansion, disciplined acquisitions, debt reduction, and buybacks, although ongoing conversion should remain an important operating discipline.
Bears Say
Scrap Margin Normalization
Scrap contributed meaningfully to recent earnings, but management expects its unusually high margin to revert toward historical levels. That normalization could reduce profit growth and make consolidated results less supportive even if core pawn operations continue to perform well.
Elevated Jewelry Inventory
The large inventory build increases the capital tied up in merchandise and raises execution risk around sell-through and pricing. If jewelry remains unsold, later scrapping could pressure margins, cash efficiency, and reported earnings despite current inventory turnover improvements.
Latin America Cost Pressure
Persistently higher labor and minimum-wage costs can limit operating leverage in a strategically important growth region. Although gross profit growth currently offsets some pressure, continued expense inflation could constrain segment margins and reduce the earnings benefit of store expansion.
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EZCORP Stock Smart Score
Company Description
EZCORP
EZCORP, Inc. operates primarily by offering collateralized loans, commonly known as pawn loans, to individuals in both the United States and various Latin American countries. These loans are secured by a wide array of personal items, including but not limited to jewelry, consumer electronics, tools, sporting equipment, and musical instruments. Beyond its lending activities, the company also engages in the retail sale of merchandise. This inventory largely comprises items that were once collateral for unredeemed pawn loans, as well as pre-owned goods directly acquired from customers. To further support its clientele, EZCORP provides online platforms, Lana and EZ+, designed to facilitate the management of pawn loans. As of September 30, 2021, EZCORP, Inc. maintained a substantial physical presence, with 516 company-owned and operated pawn shops in the U.S., 508 in Mexico, and an additional 124 locations spread across Guatemala, El Salvador, and Honduras. The company was founded in 1989 and has its corporate headquarters situated in Austin, Texas.
- Sector
- Financial
- Industry
- Financial - Credit Services
- CEO
- Lachlan Given
- Employees
- 8,500
- Website
- www.ezcorp.com
- Address
- Building One, Austin, TX, 78746, US
EZCORP (EZPW) Earnings & Revenues
EZPW Company Deck
EZPW Earnings Call
Earnings Call SentimentPositive
The call emphasized a very strong operating quarter led by core pawn performance, robust PLO growth, impressive margin improvements and a successful move to full ownership of SMG. While near-term headwinds exist — primarily scrap/gold price normalization, a sizable inventory build, higher labor costs in Latin America, and integration work for SMG — management framed these as expected/managed issues and highlighted strong liquidity and disciplined capital allocation. Overall, the positive operating momentum and sizeable percent gains in key metrics outweigh the identified challenges.
View all EZPW earnings summariesEZPW Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 8 | 5 | 9 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 5 | 0 | 7 |









