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Target Price Range
Recommendation Rating
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 5.51 | 7.70 | 8.20 | 11.60 | — | — | — |
Low Price
|
| ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡ | 10.68 | 9.73 | 12.85 | 21.49 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 7,000 | 7,500 | 8,000 | 8,500 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.13 | 0.14 | 0.15 | 0.15 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 886.23 | 1,049.04 | 1,161.60 | 1,274.28 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 59.60% | 58.13% | 58.74% | 58.55% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 67.71 | 51.63 | 115.61 | 146.77 | ‡‡‡‡‡ | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 7.64% | 4.92% | 9.95% | 11.52% | ‡‡‡ | ‡‡‡ | ‡‡‡ |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 50.16 | 38.46 | 83.10 | 109.61 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 33.57 | 33.69 | 34.67 | 34.26 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 15.69 | 18.87 | 21.15 | 22.17 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Revenue/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | 0.89 | 0.69 | 1.51 | 1.91 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.18 | 1.83 | 2.07 | 2.59 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.56) | (0.73) | (0.65) | (0.67) | ‡‡‡ | ‡‡‡ | ‡‡‡ |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.61 | 1.10 | 1.42 | 1.92 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 12.25 | 13.42 | 14.65 | 17.85 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 56.50 | 55.59 | 54.94 | 57.47 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Shares
|
| ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | 8.66 | 11.87 | 7.38 | 9.92 | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.49 | 0.44 | 0.53 | 0.86 | ‡‡‡ | ‡‡‡ | ‡‡‡ |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.63 | 0.62 | 0.77 | 1.07 | ‡‡‡ | ‡‡‡ | ‡‡‡ |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.42 | 0.33 | 0.42 | 0.74 | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.86 | 5.66 | 6.29 | 8.49 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 66.54 | 101.83 | 113.60 | 148.99 | ‡‡‡ | ‡‡‡ | ‡‡‡ |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (31.89) | (40.45) | (35.76) | (38.56) | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 34.64 | 61.39 | 77.84 | 110.42 | ‡‡‡‡‡ | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 491.30 | 527.75 | 459.62 | 925.38 | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 364.90 | 360.11 | 327.33 | 518.08 | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (59.47) | (114.62) | (126.56) | (259.47) | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 692.23 | 745.77 | 804.57 | 1,025.49 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.84% | 2.73% | 5.61% | 6.36% | ‡‡‡‡‡ | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 7.40% | 9.13% | 10.37% | 12.17% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 7.35% | 5.35% | 10.72% | 11.98% | ‡‡‡‡‡ | — | — |
ROE
|
Analyst Commentary (Summary)
EZCORP, Inc. (EZPW) Latest News
6 Sep
EZCORP beat earnings expectations. Questions persist on whether its stock remains undervalued. Earnings beat may lift near-term sentiment without altering long-term trajectory.
13 Aug
EZCORP reports record quarterly results and completes SMG deal, enabling faster expansion plans. Record results combined with SMG acquisition position EZCORP for accelerated growth and stronger market position.
12 Aug
EZCORP (EZPW) held its Q3 2026 earnings call, presenting quarterly financial results, operational updates, and forward guidance to investors. Quarterly earnings call delivers key financial metrics and guidance that typically drive notable shifts in stock valuation and investor sentiment.
7 Aug
EZCORP Q3 earnings call underscored strength in core pawn operations. Q3 earnings call highlights core pawn strength pointing to moderate positive effects on performance and sentiment.
6 Aug
EZCORP Inc reported record PLO and 48% EBITDA growth in its Q3 2026 earnings call, highlighting strong operational results. Record PLO and 48% EBITDA surge point to major positive shifts in financial performance and investor outlook.
EZCORP Q3 earnings call covered financial results, operational updates, and outlook for the company. Q3 earnings updates typically influence short-term sentiment without major strategic shifts.
EZCORP Q3 earnings beat estimates on higher revenues while expenses increased year over year. Q3 earnings beat on revenue growth with rising expenses points to moderate effects on future performance.
5 Aug
EZCORP (EZPW) beat analyst estimates for Q3 earnings and revenue. Q3 earnings and revenue beat can lift near-term stock sentiment and reflect stronger operating results.
EZCORP reported third quarter fiscal 2026 results. Quarterly earnings updates supply fresh financial data that can shift near-term investor views and stock movement.
3 Aug
EZCORP prepares to release Q3 earnings, with focus on factors that may shape results and market reaction. Upcoming earnings releases often drive notable stock moves and shifts in investor sentiment for the company.
8 Jul
Rising pawn demand and gold prices boost EZCORP profits, positioning its stock as one to watch. Pawn demand growth and gold price increases directly lift EZCORP profits and market attention.
EZCORP shares rally strongly, drawing scrutiny to the company's valuation and earnings outlook. Strong stock rally focuses attention on EZCORP valuation metrics and earnings projections.
EZCORP stock benefits from pawn business growth, ongoing expansion and sustained margin strength. Pawn growth, expansion and margin gains can moderately lift financial results and sentiment.
23 Jun
EZCORP, Inc. (EZPW) named IBD Stock of the Day after executing a major strategic move as a pawnshop operator. Positive IBD coverage may lift short-term investor attention and trading volume but does not alter core operations.
19 Jun
EZCORP (EZPW) gains from consumer stress increasing demand for short-term loans and elevated gold prices enhancing profitability in its pawn operations. Consumer stress boosts EZCORP lending demand while high gold prices raise inventory value and sales margins.
11 Jun
EZCORP, Inc. (EZPW) is named among new strong buy stocks for June 11th. Strong buy listing may lift short-term investor interest and share price without altering core operations.
22 May
EZCORP, Inc. (EZPW) receives Strong Buy rating upgrade from analysts. Analyst upgrade to Strong Buy can lift short-term investor sentiment and share price but lacks major strategic or operational shifts.
19 May
EZCORP Inc. stock has surged 135%. An investment fund disclosed a new $39 million stake in the company. Fund stake disclosure may lift near-term investor sentiment and trading volume without altering core operations.
7 May
EZCORP, Inc. (EZPW) released Q2 earnings call highlights detailing financial results, operational updates, and future outlook. Q2 earnings highlights directly influence quarterly financial performance and investor sentiment without fundamentally altering long-term trajectory.
6 May
EZCORP (EZPW) Q2 earnings and revenues beat analyst estimates. Beating Q2 earnings and revenue estimates signals strong financial performance, likely driving positive investor sentiment and stock price gains.
EZCORP, Inc. (EZPW) reported second quarter fiscal 2026 results. Quarterly financial results influence key financial performance metrics and investor sentiment.
22 Apr
EZCORP (EZPW) Q4 2024 earnings call transcript covers quarterly financial results, pawn loan growth, retail sales performance, and fiscal 2025 guidance. Q4 earnings results and FY2025 outlook directly shape investor expectations for revenue growth, profitability, and stock valuation.
21 Apr
EZCORP, Inc. (EZPW) Q4 2025 earnings call transcript covers quarterly financial results, operational updates, and forward-looking guidance from management. Q4 earnings transcript discloses financial performance and strategic outlook, likely driving significant shifts in investor sentiment and market valuation.
6 Mar
Wall Street analysts estimate 28.55% upside potential remaining in EZCORP (EZPW) stock. Analyst projections of 28.55% upside for EZPW signal moderately positive market sentiment without fundamental changes.
25 Feb
Luxury pawn expert outlines strategies for profiting from surging gold prices, noting increased pawn loan values, higher demand for gold collateral, and boosted resale margins for operators like EZCORP. Surging gold prices significantly enhance EZCORP's core pawn operations through higher collateral values and gold liquidation profits.
13 Feb
EZCORP, Inc. (EZPW) shares rose 6.1% following the release of strong Q1 results and the announcement of a new buyback plan. The company's financial performance exceeded expectations, prompting discussions about the potential for a bullish outlook among investors. Analysts are evaluating whether these developments could lead to a significant shift in the company's market position and future growth prospects. Strong Q1 results and a new buyback plan are likely to significantly impact investor sentiment and the company's future performance.
EZCORP, Inc. reported strong Q1 results, leading to upgraded earnings expectations. The company's performance exceeded analyst forecasts, driven by increased demand for its pawn and consumer lending services. This positive momentum has prompted analysts to revise their earnings estimates upward, reflecting confidence in EZCORP's growth trajectory. Investors are optimistic about the company's ability to capitalize on market opportunities, enhancing its competitive position in the industry. Strong Q1 results and upgraded earnings expectations indicate significant potential for future performance improvement.
11 Feb
EZCORP, Inc. (EZPW) is projected to potentially increase by 27.32% to meet Wall Street analysts' expectations. The company's performance is under scrutiny as analysts evaluate its growth prospects and market position. Investors are keenly watching for any developments that could influence EZCORP's stock trajectory in the near future. Analysts' expectations indicate a moderately noticeable influence on EZCORP's financial performance and market sentiment.
10 Feb
EZCORP, Inc. (EZPW) is positioned for growth due to three key factors: a strong recovery in pawn lending, expansion into new markets, and a focus on enhancing customer experience. The company has shown resilience in its financial performance, with increasing revenues and a strategic approach to capitalize on market opportunities. Investors are encouraged to consider EZPW as a viable option for growth in the pawn industry. The company's strategic moves and market expansion are likely to significantly impact its future performance and investor sentiment.
EZCORP, Inc. (EZPW) has been upgraded to a Strong Buy by analysts, indicating a positive outlook for the company's stock performance. This upgrade suggests that analysts expect significant growth potential and improved financial results in the near future. Investors may view this as a strong signal to consider purchasing shares, potentially leading to increased demand and a rise in stock price. The upgrade to Strong Buy indicates significant positive sentiment and potential for improved financial performance.
EZCORP, Inc. (EZPW) emerges as a standout in the resilient pawnbroking and consumer finance sector, with revenue surging 59% from $731 million in 2016 to $1.16 billion in 2024, accelerating to 11% year-over-year growth amid strategic expansions and a post-COVID pivot to high-margin pawn loans. Profitability has staged a dramatic turnaround, flipping EBT from a $71 million loss to $116 million, with margins exploding from -8.5% to 9.95% and ROIC climbing to 10.4%. A fortified balance sheet—cash-rich with $460 million working capital and shareholders’ equity up 35%—underpins this momentum, fueling free cash flow growth of 91% per share.
Trading at deeply discounted valuations (PS ratio of 0.53, PE at 7.4, EV/FCF at 6.3), EZPW offers compelling upside, with analyst price targets implying 38% mean appreciation from recent levels, up to 48% from the high end and at least 7% from the low. Forecasts project revenue reaching $1.89 billion by 2028, EPS at $2.30 (52% above 2024), driven by employee productivity gains, store expansions in Texas and Mexico, and macro tailwinds like inflation-boosted pawn demand.
While insider sells temper short-term enthusiasm, the absence of panic and robust fundamentals signal a multi-year compounding opportunity in an underserved market ripe for fintech disruption. With recession buffers via 59% gross margins and a cash fortress, EZPW’s breakout potential demands attention for investors seeking undervalued growth in cyclical finance.