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Company Analysis

EZCORP, Inc. EZPW

A comprehensive view of key metrics, scores, and financial health for EZCORP, Inc.

Overview of EZCORP, Inc.

EZPW NMS
Financial Services Credit Services Small Cap
EZCORP, Inc. (EZPW), is a Small Cap company, in the Credit Services industry, last closed at $25.87, about 48.6% overvalued vs fair value, +87.3% 1Y return, ranked 609/1004 in sector.
$25.87
-0.42%
As of March 13, 2026
Previous close • Vol 90d: 35.2%
52-Week Range
Market Cap
$1.60B
Enterprise Value
$1.90B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.ezcorp.com
HQ Austin, TX
Employees 8,500
Fiscal year Sep 30

Next Events

Earnings Apr 29 Estimated

Fair Value Snapshot

Bear Base Bull
$7
$13
$25
Current: $25.87 -49% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$14.7M
39.2%%
Interest Expense
$23.0M
Net Interest Income
$-8.3M
-176%%
Total Revenue
$1.3B
9.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.7%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$10.6M
9.7% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating EZCORP, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
55
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
58
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing EZPW's balance between Growth (36.2%), Profitability (27.2%), and Safety (36.6%). Growth 36% Safety 37% Profitability 27%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

60th percentile vs peers
61
Key Signals
Revenue CAGR 3Y 12.9% 69p Rev Growth YoY 9.7% 46p EPS CAGR 3Y 29.3% 93p EPS Growth YoY 33.6% 55p TSR 2.6% 43p
Strengths
  • Eps Cagr 3Y in top 20% of peers (29.3%, 93th percentile)
  • Interest Coverage Ratio in top 20% of peers (7.37, 80th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Growth above peer median with strong metric coverage (100%)
Risks

No significant risks identified for this axis.

Profitability

45th percentile vs peers
46
Key Signals
Strengths
Risks
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Safety

61th percentile vs peers
61
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for EZCORP, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
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Base
$13.31
- - -
-48.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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