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Operates pawn shops in the US and Latin America, offering small collateralized loans and retail of pawned merchandise.
Operates pawn shops in the US and Latin America, offering small collateralized loans and retail of pawned merchandise.
Lends against items left as collateral, earning fees and interest when loans are repaid and selling the item when they are not, so the loan never chases the borrower. Jewellery is a large part of what it holds, so gold prices affect resale and scrap earnings. Latin America, mostly Mexico, is where new stores are added.
Moat: narrow (scale, distribution, regulatory licence). Store network density and pawn licensing requirements create local scale advantages.
Headquarters: Austin, Texas, US · Founded: 1989 · Employees: 8,500
Size EZCORP (EZPW) is a United States Financials company (Finance/Rental/Leasing) with a market value of $1.75B, the 1882nd largest of 3,117 United States companies the cockpit tracks. Shares closed at $28.55 on 6 Nov 2026.
Performance Over six months the shares fell 14.9%, against -3.9% for the median peer and -1.1% for the United States market (cap-weighted) — 6th lowest of 21 in its peer set.
Growth Revenue grew 28.6% over the last twelve months (peer median +7.1%); the operating margin is 14.0% (peer median 11.1%).
Valuation It trades at 1.51× book value against a peer median of 1.69× (10th cheapest of 21).
Price implies The share price implies a return on equity of about 11.5%; EZCORP delivers 14.7%, so the price asks less than the business earns today.
Short interest Short interest is 21.9% of the free float (15 Oct 2026).
Next results Next results expected around 18 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $1.58B | $1.27B | $1.16B | $1.05B | $886M |
| Revenue growth | — | +10% | +11% | +18% | — |
| Gross profit | $892M | $714M | $649M | $578M | $496M |
| EBITDA | $258M | $181M | $146M | $124M | $161M |
| Net income | $158M | $110M | $83.1M | $38.5M | $50.2M |
| Free cash flow | $142M | $114M | $81.4M | $65.0M | $34.6M |
| Capital expenditure | $43.3M | $38.6M | $35.8M | $40.4M | $31.9M |
| Total debt | $812M | $765M | $567M | $610M | $546M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| EZCORP EZPW | $1.75B | -15% | +29% | 15% | 1.51× | 11.5% |
| FirstCash FCFS | $7.96B | -18% | +23% | 18% | 3.50× | 19.9% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | EZPW | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -8.4% | -0.5% | 4th lowest of 21 |
| 6-month return | -14.9% | -3.9% | 6th lowest of 21 |
| Return on equity | 14.7% | 6.9% | 7th highest of 21 |
| Price / book | 1.51× | 1.69× | 10th cheapest of 21 |
| Trailing P/E | 14.5× | 17.3× | 9th cheapest of 19 |
| ROE the price implies | 11.5% | 17.4% | 7th least demanding of 21 |
| ROE delivered | 14.7% | 7.1% | 6th highest of 18 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| EZCORP EZPW | United States | $1.75B | -15% | +29% | 15% | 1.51× | 11.5% | 14.7% |
| IFCI IFCI.NS | India | $1.75B | -4% | -3% | 2% | 1.85× | 36.2% | n/a |
| Zip ZIP.AX | Australia | $1.74B | -17% | +24% | 17% | 3.74× | 66.6% | 16.8% |
| Greatoo Intelligent Equipment 002031.SZ | China | $1.68B | -11% | -20% | -13% | 6.07× | 54.9% | -13.5% |
| CreditAccess Grameen CREDITACC.NS | India | $1.84B | -27% | +17% | 20% | 1.95× | 20.5% | 19.7% |
| Metro Bank MTRO.L | United Kingdom | $1.63B | +22% | +1% | 4% | 0.94× | 12.1% | 4.3% |
| Federal Agricultural Mortgage AGM | United States | $1.90B | 0% | +31% | 13% | 1.56× | 14.0% | 13.5% |
| Sammaan Capital SAMMAANCAP.NS | India | $1.61B | -13% | -60% | -35% | 0.80× | 14.2% | n/a |
| AEON Financial Service 8570.T | Japan | $1.95B | -9% | +8% | 5% | 0.67× | 5.2% | 4.9% |
| LOTTE rental 089860.KS | South Korea | $1.56B | +74% | +4% | 8% | 1.34× | 6.3% | 7.7% |
| Aadhar Housing Finance AADHARHFC.NS | India | $1.99B | -14% | +18% | 16% | 2.48× | 31.1% | n/a |
| PROG PRG | United States | $1.47B | +4% | +10% | 17% | 1.82× | 23.0% | 17.3% |
| Custom Truck One Source CTOS | United States | $2.12B | -4% | +6% | 4% | 2.58× | 26.7% | 3.7% |
| Upstart UPST | United States | $2.17B | -24% | +39% | 8% | 2.44× | 37.8% | 8.0% |
| Upbound UPBD | United States | $1.41B | +29% | +3% | 16% | 1.88× | 23.5% | 15.5% |
| Zigup ZIG.L | United Kingdom | $1.41B | +14% | +3% | 7% | 0.96× | 12.8% | 7.1% |
| Duskin 4665.T | Japan | $1.40B | +20% | +3% | 7% | 1.43× | 5.4% | 6.7% |
| Atlanticus ATLC | United States | $1.38B | +8% | +84% | 23% | 1.97× | 24.5% | 22.9% |
| Haitong Unitrust International Financial Leasing 1905.HK | Hong Kong | $1.38B | +57% | -20% | 6% | 0.52× | 4.2% | 6.5% |
| Zhejiang Haikong Nanke Huatie Digital Technology 603300.SS | China | $1.34B | -31% | +12% | 5% | 1.29× | 9.8% | 5.3% |
| Walker & Dunlop WD | United States | $1.34B | -28% | +9% | 2% | 0.76× | 10.0% | 2.2% |