EZCORP Inc

EZCORP Inc

EZPW · NASDAQ · Financial Services / Credit Services

27.55USD+0.50 (+1.85%)

Price History

Full chart

Market Stats

Previous Close27.05
Open26.79
Day Range26.59 – 27.89
52-Week Range16.50 – 37.13
Volume1.55M
Market Cap1.86B
P/E (TTM)15.14
Forward P/E13.72
EPS2.00
Dividend Yield0.00%
Beta0.64
50-Day Avg31.06
200-Day Avg28.20

About

EZCORP, Inc. provides pawn services in the United States, Mexico, 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.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Lachlan P. Given BBus
  • Employees8.50K
  • HeadquartersBuilding One, Austin, TX, United States, 78746, USA
  • Websitehttps://www.ezcorp.com

Leadership

  • Mr. Phillip Ean Cohen B.Com., M.B.A.Executive Chairman · b. 1949
  • Mr. Lachlan P. Given BBusCEO & Director · b. 1977
  • Mr. Timothy K. JugmansChief Financial Officer · b. 1977
  • Mr. John Blair Powell Jr.Chief Operating Officer · b. 1968
  • Ms. Ellen H. BryantChief Legal Officer & Secretary · b. 1972
  • Mr. Michael J. CroneyChief Accounting Officer · b. 1979
  • Mr. James W. FugittChief Technology Officer · b. 1973

Financials

Income Statement

Currency: USD1991-09-301992-09-301993-09-301994-09-301995-09-301996-09-301997-09-301998-09-301999-09-302000-09-302001-09-302002-09-302003-09-302004-09-302005-09-302006-09-302007-09-302008-09-302009-09-302010-09-302011-09-302012-09-302013-09-302014-09-302015-09-302016-09-302017-09-302018-09-302019-09-302020-09-302021-09-302022-09-302023-09-302024-09-302025-09-30
Total Revenue23.80M51.20M108.60M167.90M175.70M173.60M180.30M197.40M232.00M197.40M186.17M196.90M206.35M227.80M254.16M315.85M372.21M457.40M597.46M733.04M852.80M960.72M809.52M745.77M720.00M730.50M747.95M812.16M847.23M822.78M729.55M886.23M1.05B1.16B1.27B
Growth (%)-+115.13%+112.11%+54.60%+4.65%-1.20%+3.86%+9.48%+17.53%-14.91%-5.69%+5.76%+4.80%+10.39%+11.57%+24.27%+17.84%+22.89%+30.62%+22.69%+16.34%+12.65%-15.74%-7.88%-3.46%+1.46%+2.39%+8.58%+4.32%-2.89%-11.33%+21.48%+18.37%+10.73%+9.70%
Cost of Revenue9.50M19.60M48.20M88.30M99.40M89.00M84.50M94.10M113.80M88.05M79.09M84.94M86.10M88.20M90.68M106.87M118.01M139.40M237.52M286.76M326.50M364.79M329.09M323.91M316.98M302.27M312.44M330.61M352.78M373.58M280.07M358.08M439.20M479.33M528.22M
Gross Profit14.30M31.60M60.40M79.60M76.30M84.60M95.80M103.30M118.20M109.34M107.08M111.96M120.25M139.59M163.48M208.98M254.21M318.00M359.93M446.28M526.30M595.92M480.43M421.86M403.02M428.23M435.51M481.55M494.45M449.20M449.49M528.15M609.84M682.27M746.07M
Gross Margin60.08%61.72%55.62%47.41%43.43%48.73%53.13%52.33%50.95%55.39%57.52%56.86%58.27%61.28%64.32%66.16%68.30%69.52%60.24%60.88%61.71%62.03%59.35%56.57%55.97%58.62%58.23%59.29%58.36%54.60%61.61%59.60%58.13%58.74%58.55%
Operating Expense12.20M27.60M51.60M75.30M97.20M77.30M81.70M87.20M106.10M115.09M99.40M103.97M111.16M125.32M141.25M165.99M198.60M244.32M258.46M304.39M350.86M400.28M401.58M403.76M418.62M399.06M382.47M414.43M447.44M497.58M418.32M453.23M517.69M569.74M596.90M
Operating Income2.10M4.00M8.80M4.30M-20.90M7.30M14.10M16.10M12.10M-5.75M7.68M7.99M9.09M14.27M22.23M42.98M55.61M73.68M101.48M141.89M175.44M195.64M78.86M18.09M-15.60M29.17M53.04M67.12M47.01M-48.38M31.17M74.92M92.15M112.53M149.17M
Operating Margin8.82%7.81%8.10%2.56%-11.90%4.21%7.82%8.16%5.22%-2.91%4.13%4.06%4.41%6.27%8.75%13.61%14.94%16.11%16.99%19.36%20.57%20.36%9.74%2.43%-2.17%3.99%7.09%8.26%5.55%-5.88%4.27%8.45%8.78%9.69%11.71%
EBITDA2.70M5.20M11.50M8.80M-16.50M14.90M21.70M23.70M21.50M4.51M17.79M18.08M17.87M21.79M30.34M51.59M65.42M90.84M119.48M156.88M194.08M220.66M82.73M54.43M-12.79M45.49M94.14M108.86M65.61M28.85M117.39M109.83M100.22M162.26M202.34M
EBITDA Margin11.34%10.16%10.59%5.24%-9.39%8.58%12.04%12.01%9.27%2.28%9.56%9.18%8.66%9.56%11.94%16.34%17.58%19.86%20.00%21.40%22.76%22.97%10.22%7.30%-1.78%6.23%12.59%13.40%7.74%3.51%16.09%12.39%9.55%13.97%15.88%
Net Income1.10M2.90M6.10M1.80M-15.80M3.50M8.40M9.20M5.50M-32.57M-568.00K2.20M362.00K9.12M14.75M29.26M37.87M52.43M68.47M97.29M122.16M136.84M22.31M-67.72M-89.19M-80.74M31.41M37.28M2.54M-68.46M8.61M50.16M38.46M83.09M109.61M
Net Income Margin4.62%5.66%5.62%1.07%-8.99%2.02%4.66%4.66%2.37%-16.50%-0.31%1.12%0.18%4.00%5.80%9.26%10.18%11.46%11.46%13.27%14.32%14.24%2.76%-9.08%-12.39%-11.05%4.20%4.59%0.30%-8.32%1.18%5.66%3.67%7.15%8.60%
R&D--------------------00000000-------
R&D as % of Total Revenue--------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense000000001.40M0002.01M000281.00K420.00K1.43M1.39M1.69M2.48M16.19M7.91M16.39M16.48M27.80M27.83M32.64M22.47M22.18M9.97M16.46M13.59M23.03M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.60%0.00%0.00%0.00%0.97%0.00%0.00%0.00%0.08%0.09%0.24%0.19%0.20%0.26%2.00%1.06%2.28%2.26%3.72%3.43%3.85%2.73%3.04%1.13%1.57%1.17%1.81%

Balance Sheet

Currency: USD1991-09-301992-09-301993-09-301994-09-301995-09-301996-09-301997-09-301998-09-301999-09-302000-09-302001-09-302002-09-302003-09-302004-09-302005-09-302006-09-302007-09-302008-09-302009-09-302010-09-302011-09-302012-09-302013-09-302014-09-302015-09-302016-09-302017-09-302018-09-302019-09-302020-09-302021-09-302022-09-302023-09-302024-09-302025-09-30
Total Assets45.90M76.90M137.30M174.00M164.60M140.40M151.10M189.90M234.10M203.79M178.56M165.97M153.69M164.32M165.45M197.86M251.19M308.72M492.52M606.41M756.45M1.22B1.33B1.40B1.19B983.24M1.02B1.24B1.08B1.20B1.27B1.35B1.47B1.49B1.95B
Total Liabilities5.80M7.70M13.40M48.90M55.20M27.40M29.60M59.30M98.40M101.12M76.60M61.43M48.21M47.59M31.91M27.72M35.26M35.67M76.83M86.98M92.20M329.50M437.08M528.28M521.26M389.04M364.44M502.37M338.75M547.90M594.67M655.65M721.94M688.67M925.72M
Total Equity40.10M69.20M123.90M125.10M109.40M113.00M121.50M130.60M135.70M102.67M101.96M104.54M105.48M116.73M133.54M170.14M215.93M273.05M415.69M519.43M664.25M834.83M895.88M876.64M667.73M594.21M659.93M742.74M744.95M649.13M672.24M692.23M745.77M804.57M1.03B
Cash19.40M5.00M15.40M6.30M4.60M1.40M800.00K1.30M2.90M3.13M2.19M1.49M2.50M2.51M4.17M29.94M22.53M27.44M44.76M25.85M23.97M52.81M29.10M56.33M56.24M65.74M164.39M285.31M157.57M304.54M253.67M206.03M220.59M170.51M469.52M
Total Debt3.40M2.40M5.40M37.10M43.10M16.40M19.10M48.10M83.10M81.11M60.19M42.24M31.00M25.00M7.00M---35.00M25.00M18.51M221.51M247.30M403.14M272.32M343.09M324.48M416.88M238.59M454.01M477.78M545.99M610.48M566.94M764.04M
Net Debt-16.00M-2.60M-10.00M30.80M38.50M15.00M18.30M46.80M80.20M77.99M58.01M40.75M28.50M22.49M2.83M-29.94M-22.53M-27.44M-9.76M-854.00K-6.47M168.70M218.20M311.19M216.08M217.87M120.41M131.57M81.03M149.47M224.11M339.96M389.89M396.43M294.52M

Cash Flow

Currency: USD1991-09-301992-09-301993-09-301994-09-301995-09-301996-09-301997-09-301998-09-301999-09-302000-09-302001-09-302002-09-302003-09-302004-09-302005-09-302006-09-302007-09-302008-09-302009-09-302010-09-302011-09-302012-09-302013-09-302014-09-302015-09-302016-09-302017-09-302018-09-302019-09-302020-09-302021-09-302022-09-302023-09-302024-09-302025-09-30
Operating Cash Flow5.30M8.20M23.40M29.60M8.20M22.10M10.40M10.80M600.00K10.94M11.67M15.64M15.34M27.23M31.72M43.24M53.41M62.34M80.62M124.72M153.27M139.12M120.47M74.70M79.40M68.10M50.67M88.98M103.52M49.08M46.44M66.53M101.83M113.60M148.99M
Investing Cash Flow-13.50M-47.90M-62.90M-71.50M-1.30M-13.70M-39.20M-33.40M-8.40M8.31M1.61M-3.09M-21.26M-12.97M-15.90M-62.91M-58.40M-73.02M-137.10M-141.24M-214.76M-155.20M-80.06M-67.69M3.02M-13.40M-134.21M-27.83M109.90M-84.61M-113.28M-110.89M-111.85M-117.86M
Financing Cash Flow27.40M25.20M49.90M32.80M6.00M-26.70M2.70M28.80M34.40M-2.31M-20.92M-17.95M-11.24M-5.96M-17.09M-1.57M2.10M969.00K9.73M-6.53M-13.76M90.61M23.65M32.52M2.40M-63.16M53.35M167.59M-198.32M-6.25M-16.25M-2.83M23.69M-50.18M274.42M
Capital Expenditure2.10M7.70M10.90M15.10M10.80M5.80M5.50M22.40M27.60M18.53M4.46M2.04M2.49M7.96M9.23M11.05M13.74M18.16M19.26M25.74M34.12M45.80M46.70M22.96M23.72M13.25M25.00M40.47M38.84M28.53M23.60M31.89M40.45M35.76M38.56M
Free Cash Flow3.20M500.00K12.50M14.50M-2.60M16.30M4.90M-11.60M-27.00M-7.60M7.21M13.60M12.85M19.26M22.50M32.19M39.67M44.19M61.35M98.98M119.14M93.32M73.77M51.74M55.68M54.85M25.66M48.51M64.68M20.55M22.84M34.64M61.39M77.84M110.42M
Dividends Paid-------200.00K600.00K300.00K--523.00K---1.27M1.76M1.63M3.84M7.27M3.84M10.63M5.13M4.84M2.20M1.15M0---3.37M3.59M3.54M3.61M
FCF to OCF60.38%6.10%53.42%48.99%-31.71%73.76%47.12%-107.41%-4500.00%-69.45%61.81%86.95%83.76%70.75%70.91%74.44%74.27%70.87%76.10%79.36%77.74%67.08%61.24%69.26%70.12%80.54%50.66%54.51%62.48%41.88%49.18%52.06%60.28%68.52%74.12%
Dividend Paid to FCF--------1.72%-2.22%-3.95%--4.07%---3.21%3.98%2.66%3.88%6.11%4.12%14.41%9.91%8.70%4.01%4.49%0.00%---9.72%5.85%4.54%3.27%

Earnings

Report DateJan 20, 1993Apr 27, 1993Jul 19, 1993Nov 12, 1993Jan 25, 1994Apr 20, 1994Jul 12, 1994Nov 9, 1994Jan 31, 1995Apr 25, 1995Jul 25, 1995Nov 11, 1997Dec 31, 1998Apr 27, 1999Jun 30, 1999Dec 31, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jun 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002Apr 22, 2003Jul 22, 2003Nov 10, 2003Jan 19, 2004Apr 20, 2004Jul 20, 2004Nov 9, 2004Jan 20, 2005Apr 20, 2005Jul 20, 2005Nov 10, 2005Jan 24, 2006Apr 25, 2006Jul 25, 2006Nov 9, 2006Jan 23, 2007Apr 24, 2007Jul 24, 2007Nov 8, 2007Jan 24, 2008Apr 24, 2008Jul 24, 2008Nov 6, 2008Jan 22, 2009Apr 23, 2009Jul 23, 2009Nov 5, 2009Jan 21, 2010Apr 22, 2010Jul 22, 2010Nov 4, 2010Jan 20, 2011Apr 21, 2011Jul 21, 2011Nov 8, 2011Jan 19, 2012Apr 19, 2012Jul 24, 2012Nov 6, 2012Jan 22, 2013Apr 30, 2013Jul 30, 2013Nov 7, 2013Jan 28, 2014Apr 29, 2014Jul 29, 2014Nov 6, 2014Jan 27, 2015May 18, 2015Jul 29, 2015Nov 9, 2015Feb 8, 2016May 9, 2016Aug 9, 2016Dec 7, 2016Feb 2, 2017May 3, 2017Jul 31, 2017Nov 15, 2017Jan 31, 2018May 2, 2018Aug 1, 2018Nov 14, 2018Jan 30, 2019May 8, 2019Jul 31, 2019Dec 5, 2019Feb 3, 2020May 11, 2020Aug 4, 2020Dec 14, 2020Feb 3, 2021May 5, 2021Aug 4, 2021Nov 17, 2021Feb 2, 2022May 4, 2022Aug 3, 2022Nov 16, 2022Feb 1, 2023May 3, 2023Aug 2, 2023Nov 15, 2023Jan 31, 2024May 1, 2024Jul 31, 2024Nov 13, 2024Feb 5, 2025Apr 28, 2025Jul 30, 2025Nov 13, 2025Feb 4, 2026May 6, 2026Aug 5, 2026Nov 12, 2026
EPS Estimate0.040.050.070.040.060.060.060.060.03-0.010.000.06-0.06---------------0.030.070.050.020.060.090.090.030.090.150.180.120.210.330.230.150.260.280.300.250.340.340.360.300.410.430.430.400.530.640.580.540.700.810.760.610.750.580.620.410.430.390.370.240.270.350.340.270.32-0.06-0.11-0.020.060.170.140.100.110.190.190.160.160.220.230.170.190.220.170.10-0.08-0.04-0.07-0.02-0.030.190.140.050.120.240.150.160.190.280.260.220.260.370.310.250.300.430.410.390.40
EPS Actual0.050.050.030.050.070.060.060.030.020.00-0.020.080.070.060.010.01-0.04-0.06-0.450.030.00-0.010.040.03-0.010.01-0.160.040.000.040.080.080.010.120.110.100.050.090.170.190.130.200.230.230.160.260.290.300.250.370.340.370.290.420.520.480.400.560.690.630.530.720.780.730.560.750.590.660.490.560.490.360.210.270.260.02-0.860.09-0.110.020.050.060.150.150.100.240.230.210.140.210.310.220.180.190.160.17-0.010.070.130.17-0.030.110.220.220.160.150.280.230.200.230.360.280.230.260.420.340.330.340.550.580.47-
Surprise25.00%0.00%-57.14%25.00%16.67%0.00%0.00%-50.00%-33.33%100.00%-33.33%-0.00%---------------33.33%14.29%60.00%-50.00%100.00%22.22%11.11%66.67%0.00%13.33%5.56%8.33%-4.76%-30.30%0.00%6.67%0.00%3.57%0.00%0.00%8.82%0.00%2.78%-3.33%2.44%20.93%11.63%0.00%5.66%7.81%8.62%-1.85%2.86%-3.70%-3.95%-8.20%0.00%1.72%6.45%19.51%30.23%25.64%-2.70%-12.50%0.00%-25.71%-92.71%-418.52%-71.88%-83.33%118.18%350.00%0.00%-11.76%7.14%0.00%118.18%21.05%10.53%-12.50%31.25%40.91%-4.35%5.88%0.00%-27.27%0.00%-110.00%187.50%425.00%342.86%-50.00%466.67%15.79%57.14%220.00%25.00%16.67%53.33%25.00%21.05%28.57%7.69%4.55%0.00%13.51%9.68%32.00%13.33%27.91%41.46%20.51%-
Timing------------------------------After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours--After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-

Key Statistics & Ratios

Market Cap1.86B
Enterprise Value2.35B
Trailing P/E15.14
Forward P/E13.72
PEG Ratio0.28
Price / Sales1.17
Price / Book1.59
EPS2.00
Book Value18.95
Revenue (TTM)1.58B
Gross Profit (TTM)927.76M
EBITDA258.13M
Profit Margin9.99%
Operating Margin13.10%
Return on Equity14.75%
Return on Assets6.85%
Shares Outstanding58.47M
Shares Float55.64M
Beta0.64
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Analyst Ratings

Buy
Based on 5 analystsTarget 40.80
  • Strong Buy
    2
  • Buy
    1
  • Hold
    2

Ownership Breakdown

Institutions
123.61%
Insiders
4.44%
Retail / Other
0.00%

Top Institutional Holders

  • BlackRock Inc
    7.04M11.46%
  • FMR Inc
    6.74M10.97%
  • Capital Research Global Investors
    3.53M5.74%
  • Dimensional Fund Advisors, Inc.
    3.06M4.99%
  • Two Sigma Investments LLC
    2.50M4.06%
  • Vanguard Capital Management, LLC
    2.46M4.00%
  • Renaissance Technologies Corp
    2.16M3.51%
  • UBS Group AG
    1.91M3.11%
  • Ophir Asset Management Pty Ltd
    1.62M2.63%
  • The Goldman Sachs Group Inc
    1.47M2.39%
  • Atlas FRM LLC
    1.45M2.36%
  • Qube Research & Technologies
    1.37M2.22%
  • State Street Corp
    1.29M2.10%
  • Morgan Stanley - Brokerage Accounts
    1.27M2.06%
  • Amvescap Plc.
    1.16M1.88%

Top Fund Holders

  • American Funds SMALLCAP World A
    4.46M7.25%
  • iShares Core S&P Small-Cap ETF
    3.57M5.81%
  • Vanguard MStar Total Stk Mkt Idx Invest
    1.78M2.90%
  • Fidelity Value
    1.34M2.18%
  • Fidelity Small Cap Growth
    1.25M2.03%

Dividends

20001×
0.00Feb 4, 2000
19994×
0.00Nov 29, 19990.00Aug 6, 19990.00May 7, 19990.00Feb 5, 1999
19982×
0.00Nov 20, 19980.00Aug 7, 1998

Stock Splits

  • Dec 12, 20063:1