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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 $32.25, about 58.7% overvalued vs fair value, +97.0% 1Y return, ranked 605/1037 in sector.
Metrics P/E 14.5× Rev Growth 9.7% ROE 12.0% Gross Margin 58.6%
$32.25
0.72%
As of April 28, 2026
Previous close • Vol 90d: 35.8%
52-Week Range
Market Cap
$1.99B
Enterprise Value
$2.29B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 89%
Updated: Mar 8
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: $32.25 -59% 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

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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
54
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
57
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Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 95% Coverage
Trade-Off Triangle Visualization A ternary plot showing EZPW's balance between Growth (35.8%), Profitability (31.3%), and Safety (32.8%). Growth 36% Safety 33% Profitability 31%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

55th percentile vs peers
56
Key Signals
Asset Growth YoY 30.7% 92p Equity Growth YoY 27.5% 92p Loan Growth YoY 12.2% 50p EPS Growth YoY 33.6% 56p NII Growth YoY -1.76 1p
Strengths
  • Asset Growth YoY in top 20% of peers (30.7%, 92th percentile)
  • Equity Growth YoY in top 20% of peers (27.5%, 92th percentile)
  • Equity/Assets in top 20% of peers (52.6%, 86th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (-1.76)

Profitability

48th percentile vs peers
49
Key Signals
Strengths
Risks
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Safety

51th percentile vs peers
51
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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Bear
-
- - -
- upside
-
Base
$13.31
- - -
-58.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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