EZCORP (EZPW) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

EZCORP

NasdaqGS•Financial Services•Credit Services

$30.65-0.99(-0.03%)Market closed

Market Cap

$1.89B

P/E

11.9x

P/S

1.2x

P/B

1.6x

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.

How this company scores

ExcellentMetricSide Score: 85/100

Strongest: Cash & Earnings Quality (23/25); weakest: Profitability (18/25).

Profitability18/25

Growth22/25

Balance Sheet & Red Flags22/25

Cash & Earnings Quality23/25

Strengths

Growing revenueRising free cash flowRising earningsLow leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.9x5y range 7.4x – 50.1x

Currently near its 20-quarter median.

P/S · 1.2x5y range 0.4x – 1.2x

Currently above its 20-quarter median.

P/B · 1.6x5y range 0.5x – 1.6x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Share Dilution

Red Flag

Shares outstanding increased 12.6% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $1.89B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.58B
Q. Revenue: $418.75M
TTM EBITDA: $256.43M
TTM Op. Income: $220.26M
Q. Op. Income: $54.82M
TTM Net Income: $158.31M
Q. Net Income: $38.20M
EPS: $0.62
Shares Out.: $61.53M

$1.58B in TTM revenue grew 28.6% YoY, reaching $418.75M last quarter. TTM EBITDA of $256.43M and TTM operating income of $220.26M show growth is flowing through to the bottom line. TTM net income of $158.31M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 58.8%
EBITDA Margin: 15.4%
Op. Margin: 13.1%
Net Margin: 9.1%

Op. margin of 13.1% is up 1.5% YoY — cost efficiency is improving. Net margin at 9.1% and gross margin of 58.8% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has fallen for 2 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.9x
P/S Ratio: 1.2x
P/B Ratio: 1.6x

At 11.9x P/E, the stock trades below typical market levels. P/S of 1.2x and P/B of 1.6x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.17B
Cash: $311.03M
Long-Term Debt: $519.49M
Book Value: $1.16B
D/E Ratio: 0.4
Debt/EBITDA: 8.1

With $2.17B in assets and $519.49M in long-term debt, D/E is 0.4and book value is $1.16B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 5 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $42.78M
TTM Free Cash Flow: $138.32M
FCF Margin: 8.7%
FCF / Net Income: 0.9

TTM FCF of $138.32M on $42.78M in operating cash flow. The FCF / Net Income ratio of 0.9x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 4 consecutive quarters — an improving trend.