EZCORP, Inc.

EZPW

Financial ServicesSmall CapUS Equities · NYSE / NASDAQ

AI Agents

Company Profile

EZCORP, Inc. provides pawn services in the United States, Mexixo, and Latin America. It operates through U.S. Pawn, Latin America Pawn, and Other Investments segments. The company retails merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. It also provides pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. In addition, the company offers EZ+, a web-based application that allow customers to manage their pawn transactions, layaways, and loyalty rewards online. Further, the company operates under the EZPAWN, Value Pawn & Jewelry, Empeño Fácil, Cash Apoyo Efectivo, GuatePrenda, and MaxiEfectivo brands. EZCORP, Inc. was incorporated in 1989 and is headquartered in Austin, Texas.

Valuation

Market Cap$2.0B

Current Price$33.19as of Jun 23, 2026

P/E Ratio18.05

P/B Ratio1.93

EV / EBITDA11.23

EV / Sales1.78

Profitability

Operating Margin11.7%

Net Profit Margin8.6%

EBITDA Margin15.9%

Returns

ROE10.7%

ROCE8.5%

ROIC %-

ROA5.6%

Solvency

Current Ratio5.61

Debt / Equity0.75

Debt / Assets0.39

CFO / Net Profit1.36

Price History▲ 151.82% over 1Y

Technical Chart

Historical Performance Charts

5-year financial trends. Figures in USD millions.

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Latest fiscal year: 2025

Revenue$1.3B▲ 9.7%

EBITDA$202M▲ 24.7%

Net Profit$110M▲ 31.9%

Cash from Ops (CFO)$149M▲ 31.1%

Free Cash Flow (FCF)$110M▲ 41.9%

Revenue CAGR 3Y12.9%

Revenue CAGR 5Y-

Net Profit CAGR 3Y29.8%

Net Profit CAGR 5Y-

Historical Growth

Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)

Year	Revenue	EBITDA	Net Profit	FCF	ROE	Rev Growth 1Y	NP Growth 1Y
2025	$1.3B	$202M	$110M	$110M	10.7%	9.7%	31.9%
2024	$1.2B	$162M	$83M	$78M	10.3%	10.7%	116.0%
2023	$1.0B	$100M	$38M	$61M	5.2%	18.4%	-23.3%
2022	$886M	$110M	$50M	$35M	7.2%	-	-
2021	-	-	-

Financial Statements

Income statement, balance sheet, and cash flow as reported

Consolidated Figures in USD Millions.

Metric	2021	2022	2023	2024	2025
Total Revenue	-	886.22	1,049.04	1,161.60	1,274.28
Operating Revenue	-	885.78	1,048.75	1,161.36	1,274.11
Cost Of Revenue	-	358.08	439.20	479.33	528.22
Gross Profit	-	528.15	609.84	682.27	746.06
Operating Expense	-	453.90	518.23	569.68	597.15
Selling General And Administration	-	64.34	67.53	75.56	83.50
Total Expenses	-	811.98	957.44	1,049.01	1,125.36
Operating Income	-	74.25	91.60	112.59	148.92
Total Operating Income As Reported	-	74.92	92.15	112.53	149.17
EBITDA	-	109.82	100.22	162.26	202.34
Normalized EBITDA	-	109.15	104.77	163.09	203.35
EBIT	-	77.68	68.09	129.19	169.80
Interest Income	-	0.82	7.47	10.58	14.72
Interest Expense	-	9.97	16.46	13.58	23.03
Net Interest Income	-	-9.15	-8.99	-3.01	-8.31
Other Non Operating Income Expenses	-	0.17	2.02	2.14	1.02
Other Income Expense	-	2.62	-30.98	6.03	6.16
Interest Income Non Operating	-	0.82	7.47	10.58	14.72
Interest Expense Non Operating	-	9.97	16.46	13.58	23.03
Net Non Operating Interest Income Expense	-	-9.15	-8.99	-3.01	-8.31
Pretax Income	-	67.71	51.63	115.61	146.77
Tax Provision	-	17.55	13.17	32.51	37.16
Tax Rate For Calcs	-	0	0	0	0
Tax Effect Of Unusual Items	-	0.18	-1.18	-0.23	-0.25
Net Income Continuous Operations	-	50.16	38.46	83.10	109.61
Net Income From Continuing And Discontinued Operation	-	50.16	38.46	83.10	109.61
Net Income From Continuing Operation Net Minority Interest	-	50.16	38.46	83.10	109.61
Net Income	-	50.16	38.46	83.10	109.61
Net Income Common Stockholders	-	50.16	38.46	83.10	109.61
Net Income Including Noncontrolling Interests	-	50.16	38.46	83.10	109.61
Normalized Income	-	49.66	41.83	83.69	110.37
Diluted NI Availto Com Stockholders	-	57.65	42.79	93.04	118.40
Basic Average Shares	-	56.50	55.59	54.94	57.47
Diluted Average Shares	-	82.40	80.86	84.45	83.38
Reconciled Depreciation	-	32.14	32.13	33.07	32.54
Reconciled Cost Of Revenue	-	358.08	439.20	479.33	528.22
Total Unusual Items	-	0.67	-4.55	-0.83	-1.01
Total Unusual Items Excluding Goodwill	-	0.67	-4.55	-0.83	-1.01
Minority Interests	0	-	-	-	-
Net Income Discontinuous Operations	0	-	-	-	-
Special Income Charges	-	0.67	-4.55	-0.83	-1.01
Write Off	-	0	4.34	0.84	0.88
Impairment Of Capital Assets	0	0	-	-	-
Depreciation Amortization Depletion Income Statement	-	32.14	32.13	33.07	32.54
Depreciation And Amortization In Income Statement	-	32.14	32.13	33.07	32.54
General And Administrative Expense	-	64.34	67.53	75.56	83.50
Other Gand A	-	64.34	67.53	75.56	83.50
Gain On Sale Of Ppe	-	0.67	-0.21	0.02	-0.14
Other Operating Expenses	-	357.42	418.57	461.06	481.11
Earnings From Equity Interest	-	1.78	-28.46	4.71	6.15
Average Dilution Earnings	-	7.49	4.33	9.95	8.79

Peer Comparison

Financial Services sector peers, ranked by market cap

Company	Ticker	Market Cap	P/E	P/B	ROE	EV/EBITDA
EZCORP, Inc.this co.	EZPW	$2.0B	18.05↑ premium	1.93	10.7%	11.23
Banco Latinoamericano de Comercio Exterior, S. A.	BLX	$2.1B	9.17	1.24	13.5%	-
Northwest Bancshares, Inc.	NWBI	$2.1B	16.45	1.10	6.7%	-
LendingClub Corporation	LC	$2.0B	14.94	1.35	9.0%	-
Federal Agricultural Mortgage Corporation	AGM

Learn while you research

Hand-picked academy chapters to deepen your understanding of EZCORP, Inc. and the metrics that matter.

01 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read 02 Stock Market Risks

Loading…

Year

Revenue

EBITDA

Net Profit

FCF

ROE

Rev Growth 1Y

NP Growth 1Y

2025

$1.3B

$202M

$110M

10.7%

9.7%

31.9%

2024

$1.2B

$162M

$83M

$78M

10.3%

10.7%

116.0%

2023

$1.0B

$100M

$38M

$61M

5.2%

18.4%

-23.3%

2022

$886M

$110M

$50M

$35M

7.2%

2021

Metric

2021

2022

2023

2024

2025

Total Revenue

886.22

1,049.04

1,161.60

1,274.28

Operating Revenue

885.78

1,048.75

1,161.36

1,274.11

Cost Of Revenue

358.08

439.20

479.33

528.22

Gross Profit

528.15

609.84

682.27

746.06

Operating Expense

453.90

518.23

569.68

597.15

Selling General And Administration

64.34

67.53

75.56

83.50

Total Expenses

811.98

957.44

1,049.01

1,125.36

Operating Income

74.25

91.60

112.59

148.92

Total Operating Income As Reported

74.92

92.15

112.53

149.17

EBITDA

109.82

100.22

162.26

202.34

Normalized EBITDA

109.15

104.77

163.09

203.35

EBIT

77.68

68.09

129.19

169.80

Interest Income

0.82

7.47

10.58

14.72

Interest Expense

9.97

16.46

13.58

23.03

Net Interest Income

-9.15

-8.99

-3.01

-8.31

Other Non Operating Income Expenses

0.17

2.02

2.14

1.02

Other Income Expense

2.62

-30.98

6.03

6.16

Interest Income Non Operating

0.82

7.47

10.58

14.72

Interest Expense Non Operating

9.97

16.46

13.58

23.03

Net Non Operating Interest Income Expense

-9.15

-8.99

-3.01

-8.31

Pretax Income

67.71

51.63

115.61

146.77

Tax Provision

17.55

13.17

32.51

37.16

Tax Rate For Calcs

Tax Effect Of Unusual Items

0.18

-1.18

-0.23

-0.25

Net Income Continuous Operations

50.16

38.46

83.10

109.61

Net Income From Continuing And Discontinued Operation

50.16

38.46

83.10

109.61

Net Income From Continuing Operation Net Minority Interest

50.16

38.46

83.10

109.61

Net Income

50.16

38.46

83.10

109.61

Net Income Common Stockholders

50.16

38.46

83.10

109.61

Net Income Including Noncontrolling Interests

50.16

38.46

83.10

109.61

Normalized Income

49.66

41.83

83.69

110.37

Diluted NI Availto Com Stockholders

57.65

42.79

93.04

118.40

Basic Average Shares

56.50

55.59

54.94

57.47

Diluted Average Shares

82.40

80.86

84.45

83.38

Reconciled Depreciation

32.14

32.13

33.07

32.54

Reconciled Cost Of Revenue

358.08

439.20

479.33

528.22

Total Unusual Items

0.67

-4.55

-0.83

-1.01

Total Unusual Items Excluding Goodwill

0.67

-4.55

-0.83

-1.01

Minority Interests

Net Income Discontinuous Operations

Special Income Charges

0.67

-4.55

-0.83

-1.01

Write Off

4.34

0.84

0.88

Impairment Of Capital Assets

Depreciation Amortization Depletion Income Statement

32.14

32.13

33.07

32.54

Depreciation And Amortization In Income Statement

32.14

32.13

33.07

32.54

General And Administrative Expense

64.34

67.53

75.56

83.50

Other Gand A

64.34

67.53

75.56

83.50

Gain On Sale Of Ppe

0.67

-0.21

0.02

-0.14

Other Operating Expenses

357.42

418.57

461.06

481.11

Earnings From Equity Interest

1.78

-28.46

4.71

6.15

Average Dilution Earnings

7.49

4.33

9.95

8.79

Company

Ticker

Market Cap

P/E

P/B

ROE

EV/EBITDA

EZCORP, Inc.this co.

EZPW

$2.0B

18.05↑ premium

1.93

10.7%

11.23

Banco Latinoamericano de Comercio Exterior, S. A.

BLX

$2.1B

9.17

1.24

13.5%

Northwest Bancshares, Inc.

NWBI

$2.1B

16.45

1.10

6.7%

LendingClub Corporation

$2.0B

14.94

1.35

9.0%

Federal Agricultural Mortgage Corporation

AGM

EZCORP, Inc.

Valuation

Profitability

Returns

Solvency

Historical Performance Charts

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Historical Growth

Financial Statements

Peer Comparison

EZCORP, Inc.

Valuation

Profitability

Returns

Solvency

Historical Performance Charts

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Historical Growth

Financial Statements

Peer Comparison

Key concepts to brush up on