EZCORP (EZPW) Financials: Revenue & Earnings
EZPW$29.53-0.02 -0.07%
$1.73B
Market Cap
11.14
P/E
13.53
Forward P/E
69
Score
EZCORP (EZPW) Financials: Revenue & Earnings
EZPW price $29.53 -0.02 -0.07%
- Ticker
- EZPW
- Price
- $29.53
- Change
- -0.02 -0.07%
- Market cap ?
- $1.73B
- P/E ?
- 11.14
- Forward P/E ?
- 13.53
- Dividend yield ?
- 0.00%
- Beta ?
- 0.71
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Stocklytics score
- 69
- Value
- 68
- Quality
- 60
- Growth
- 80
Stocklytics score rationale: value 68, quality 60, growth 80.
Financials
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| 730505000 | 747951000 | 812156000 | 847229000 | 822777000 | 729551000 | 886225000 | 1049041000 | 1161602000 | 1274280000 |
EZCORP, Inc. operates primarily by offering collateralized loans, commonly known as pawn loans, to individuals in both the United States and various Latin American countries. These loans are secured by a wide array of personal items, including but not limited to jewelry, consumer electronics, tools, sporting equipment, and musical instruments. Beyond its lending activities, the company also engages in the retail…
Fair value
EZPW fair value $58.68. Price $29.53. Price is 50% below fair value.
Below fair value, and cheaper than usual. A larger discount than on 98% of days in the past 5 years.
Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.
Calculated with a 10-year free-cash-flow discount. Starting free cash flow 140.44M. Growth 20.00%. When analyst earnings forecasts are available, free cash flow in those years is forecast earnings times the company's usual conversion of earnings into free cash flow, kept between 60% and 130%. Years with fewer than 3 analyst estimates are left out. Growth then fades in a straight line to terminal growth by year 10, starting from the last well-covered year's growth, or from the pace across those years when the final year slows sharply, kept between 0% and 20%. Without those forecasts, year-1 growth is analyst revenue growth for the next full fiscal year, or 5-year historical revenue growth when that forecast is missing, held for five years, then fading in a straight line to terminal growth by year 10. Terminal growth 3.00%. Discount rate 8.70% (beta 0.8). Beta is kept between 0.8 and 2.0, which on its own would make the discount rate 8.7% to 15.3%. The rate is then capped at 12%. A cap is used because a discount above 12% pushes higher-beta stocks further from the price. The discount rate stays at least 5 percentage points above terminal growth. Shares 58.47M. Net debt 294.52M. The earnings value is next-12-months earnings per share, or trailing earnings when that forecast is missing, times the stock's own 10-year median P/E, kept between 8 and 40. Fewer than five years of history uses the sector's typical P/E. Fair value is the average of the cash-flow value and the earnings value when both exist. Model uncertainty is high when fair value is more than 60% from the price, or when most of the cash-flow value sits after year 10.
Earnings
| Date | EPS actual | EPS estimate | Revenue | Revenue estimate |
|---|---|---|---|---|
| 2026-11-18 | — | 0.42 | — | 427.57M |
| 2026-08-05 | 0.47 | 0.41 | 418.75M | 425.83M |
| 2026-05-06 | 0.58 | 0.36 | 446.88M | 390.66M |
| 2026-02-04 | 0.55 | 0.40 | 382.00M | 361.20M |
| 2025-11-13 | 0.34 | 0.29 | 336.81M | 347.95M |
| 2025-07-30 | 0.33 | 0.23 | 310.98M | 324.93M |
| 2025-04-28 | 0.34 | 0.32 | 306.32M | 301.50M |
| 2025-02-05 | 0.42 | 0.35 | 320.17M | 322.83M |
| 2024-11-13 | 0.26 | 0.26 | 294.55M | 288.49M |
| 2024-07-31 | 0.23 | 0.22 | 281.42M | 288.24M |
| 2024-05-01 | 0.29 | 0.26 | 285.64M | 282.19M |
| 2024-01-31 | 0.36 | 0.29 | 299.99M | 296.13M |
| 2023-11-15 | 0.23 | 0.19 | 270.48M | 263.02M |
| 2023-08-02 | 0.20 | 0.15 | 255.81M | 262.78M |
| 2023-05-03 | 0.23 | 0.16 | 258.42M | 246.88M |
| 2023-02-01 | 0.28 | 0.22 | 264.33M | 244.86M |
| 2022-11-16 | 0.15 | 0.12 | 233.41M | 209.09M |
| 2022-08-03 | 0.16 | 0.05 | 215.84M | 196.89M |
| 2022-05-04 | 0.22 | 0.14 | 215.98M | 210.58M |
| 2022-02-02 | 0.22 | 0.19 | 220.99M | 200.13M |
| 2021-11-17 | 0.11 | 0.02 | 192.44M | 197.72M |
| 2021-08-04 | -0.03 | -0.03 | 174.03M | 169.95M |
| 2021-05-05 | 0.17 | -0.12 | 184.94M | 183.13M |
| 2021-02-03 | 0.13 | -0.11 | 178.13M | 194.63M |
| 2020-12-14 | 0.07 | -0.12 | 166.86M | — |
| 2020-08-04 | -0.01 | 0.07 | 210.23M | 1.47B |
| 2020-05-11 | 0.17 | 0.17 | 223.28M | 223.28M |
| 2020-02-03 | 0.16 | 0.19 | 222.44M | 305.85M |
| 2019-12-05 | 0.19 | 0.17 | 214.34M | 214.34M |
| 2019-07-31 | 0.18 | 0.15 | 202.47M | 191.22M |
| 2019-05-08 | 0.22 | 0.24 | 214.73M | 224.49M |
| 2019-01-30 | 0.31 | 0.23 | 215.85M | 153.07M |
| 2018-11-14 | 0.17 | 0.16 | 206.33M | 156.95M |
| 2018-08-01 | 0.14 | 0.15 | 199.94M | 213.86M |
| 2018-05-02 | 0.21 | 0.19 | 202.73M | 183.12M |
| 2018-01-31 | 0.28 | 0.19 | 204.51M | 168.69M |
| 2017-11-15 | 0.21 | 0.11 | 182.07M | 138.26M |
| 2017-07-31 | 0.10 | 0.10 | 183.63M | 183.60M |
| 2017-05-03 | 0.15 | 0.14 | 189.63M | 176.96M |
| 2017-02-02 | 0.15 | 0.17 | 192.62M | 218.28M |
Dividends
Yield 0.00%. Payout ratio 0.00%. Frequency Quarterly.
Safety score 49/100 · Watch. Payout ratio is 0% of earnings. Free-cash-flow coverage is not available, so this part stays neutral. Dividends were paid in 3 separate years. There is no dividend yield.
| Ex-date | Dividend | Record | Payment | Frequency |
|---|---|---|---|---|
| 2000-02-04 | $0.00 | 2000-02-08 | 2000-02-22 | Quarterly |
| 1999-11-29 | $0.00 | 1999-12-01 | 1999-12-15 | Quarterly |
| 1999-08-06 | $0.00 | 1999-08-10 | 1999-08-24 | Quarterly |
| 1999-05-07 | $0.00 | 1999-05-11 | 1999-05-25 | Quarterly |
| 1999-02-05 | $0.00 | 1999-02-09 | 1999-02-23 | Quarterly |
| 1998-11-20 | $0.00 | 1998-11-24 | 1998-12-07 | Quarterly |
| 1998-08-07 | $0.00 | 1998-08-11 | 1998-08-25 | Quarterly |
Insider trades
| Date | Insider | Action | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-09-16 | Hernandez Lucy | Other | 1.05K | — | — |
| 2026-08-24 | Bryant Ellen H | Sell | 30.00K | $34.77 | 1.04M |
| 2026-07-06 | ESPINOSA PABLO LAGOS | Sell | 10.00K | $35.54 | 355.43K |
| 2026-06-05 | ESPINOSA PABLO LAGOS | Sell | 10.00K | $32.00 | 320.04K |
| 2026-05-20 | APPEL MATTHEW W | Sell | 15.04K | $33.25 | 499.98K |
| 2026-05-12 | Kulas Jason A. | Sell | 20.00K | $33.56 | 671.22K |
| 2026-03-26 | Kulas Jason A. | Buy | 6.64K | $25.60 | 170.01K |
| 2026-03-26 | Tillett Gary | Buy | 6.64K | $25.60 | 170.01K |
| 2026-03-26 | Arnold Zena Srivatsa | Buy | 6.64K | $25.60 | 170.01K |
| 2026-03-26 | APPEL MATTHEW W | Buy | 6.64K | $25.60 | 170.01K |
| 2026-03-26 | ESPINOSA PABLO LAGOS | Buy | 6.64K | $25.60 | 170.01K |
| 2026-03-26 | Kulas Jason A. | Buy | 6.64K | $25.60 | 170.01K |
| 2026-03-02 | Sajnani Sunil | Sell | 18.35K | $26.76 | 491.13K |
| 2026-02-23 | Tillett Gary | Sell | 10.00K | $25.50 | 255.00K |
| 2026-02-19 | ESPINOSA PABLO LAGOS | Sell | 20.00K | $25.00 | 500.00K |
| 2026-02-18 | Tillett Gary | Sell | 10.00K | $25.00 | 250.00K |
| 2026-02-17 | Swies Nicole | Sell | 24.14K | $24.75 | 597.42K |
| 2026-02-17 | Bryant Ellen H | Sell | 20.00K | $25.00 | 500.00K |
| 2025-11-19 | VANROEKEL LISA | Buy | 16.32K | $19.04 | 310.68K |
| 2025-11-19 | VANROEKEL LISA | Buy | 57.85K | $17.82 | 1.03M |
| 2025-11-19 | VANROEKEL LISA | Sell | 22.77K | $17.82 | 405.73K |
| 2025-11-19 | VANROEKEL LISA | Sell | 57.85K | $17.82 | 1.03M |
| 2025-11-19 | Given Lachlan P | Buy | 110.16K | $19.04 | 2.10M |
| 2025-11-19 | Given Lachlan P | Buy | 352.79K | $17.82 | 6.29M |
| 2025-11-19 | Given Lachlan P | Sell | 56.27K | $17.82 | 1.00M |
| 2025-11-19 | Given Lachlan P | Sell | 352.79K | $17.82 | 6.29M |
| 2025-11-19 | Jugmans Timothy | Buy | 29.48K | $19.04 | 561.34K |
| 2025-11-19 | Jugmans Timothy | Sell | 88.19K | $17.82 | 1.57M |
| 2025-11-19 | Jugmans Timothy | Buy | 88.19K | $17.82 | 1.57M |
| 2025-11-19 | Jugmans Timothy | Sell | 35.20K | $17.82 | 627.28K |
| 2025-11-19 | Powell John Blair Jr. | Buy | 46.65K | $19.04 | 888.18K |
| 2025-11-19 | Powell John Blair Jr. | Sell | 145.52K | $17.82 | 2.59M |
| 2025-11-19 | Powell John Blair Jr. | Buy | 145.52K | $17.82 | 2.59M |
| 2025-11-19 | Powell John Blair Jr. | Sell | 57.27K | $17.82 | 1.02M |
| 2025-11-19 | Swies Nicole | Buy | 60.01K | $17.82 | 1.07M |
| 2025-11-19 | Swies Nicole | Buy | 15.31K | $19.04 | 291.50K |
| 2025-11-19 | Swies Nicole | Sell | 22.42K | $17.82 | 399.45K |
| 2025-11-19 | Swies Nicole | Sell | 60.01K | $17.82 | 1.07M |
| 2025-11-19 | Bryant Ellen H | Buy | 53.62K | $17.82 | 955.54K |
| 2025-11-19 | Bryant Ellen H | Buy | 16.02K | $19.04 | 305.02K |
| 2025-11-19 | Bryant Ellen H | Sell | 21.10K | $17.82 | 376.06K |
| 2025-11-19 | Bryant Ellen H | Sell | 53.62K | $17.82 | 955.54K |
| 2025-11-19 | Sajnani Sunil | Buy | 13.15K | $19.04 | 250.43K |
| 2025-11-19 | Sajnani Sunil | Buy | 49.39K | $17.82 | 880.09K |
| 2025-11-19 | Sajnani Sunil | Sell | 12.03K | $17.82 | 214.34K |
| 2025-11-19 | Sajnani Sunil | Sell | 49.39K | $17.82 | 880.09K |
| 2025-11-19 | Croney Michael James | Buy | 702 | — | — |
| 2025-11-12 | Croney Michael James | Buy | 5.51K | — | — |
| 2025-11-12 | VANROEKEL LISA | Buy | 26.26K | — | — |
| 2025-11-12 | Given Lachlan P | Buy | 210.08K | — | — |
| 2025-11-12 | Swies Nicole | Buy | 13.92K | — | — |
| 2025-11-12 | Jugmans Timothy | Buy | 73.53K | — | — |
| 2025-11-12 | Sajnani Sunil | Buy | 14.71K | — | — |
| 2025-11-12 | Fugitt James W. | Buy | 18.38K | — | — |
| 2025-11-12 | Powell John Blair Jr. | Buy | 84.03K | — | — |
| 2025-11-12 | Bryant Ellen H | Buy | 30.20K | — | — |
| 2025-09-19 | APPEL MATTHEW W | Sell | 9.04K | $18.02 | 162.84K |
| 2025-09-08 | APPEL MATTHEW W | Sell | 9.00K | $17.03 | 153.23K |
| 2025-08-27 | Fugitt James W. | Other | 0 | — | — |
| 2025-06-10 | Powell John Blair Jr. | Sell | 3.50K | $13.81 | 48.34K |
| 2025-05-22 | Powell John Blair Jr. | Sell | 10.00K | $13.26 | 132.60K |
| 2025-05-15 | Powell John Blair Jr. | Sell | 10.00K | $13.73 | 137.30K |
| 2025-05-13 | Powell John Blair Jr. | Sell | 20.00K | $14.17 | 283.40K |
| 2025-05-08 | Powell John Blair Jr. | Sell | 42.50K | $14.55 | 618.38K |
| 2025-03-13 | ESPINOSA PABLO LAGOS | Buy | 12.72K | $13.36 | 170.01K |
| 2025-03-13 | Kulas Jason A. | Buy | 12.72K | $13.36 | 170.01K |
| 2025-03-13 | Tillett Gary | Buy | 12.72K | $13.36 | 170.01K |
| 2025-03-13 | APPEL MATTHEW W | Buy | 12.72K | $13.36 | 170.01K |
| 2025-03-13 | Arnold Zena Srivatsa | Buy | 12.72K | $13.36 | 170.01K |
| 2025-02-10 | Croney Michael James | Other | 11.04K | $11.21 | 123.75K |
| 2025-01-01 | Vigiolto Damon | Other | 0 | — | — |
| 2025-01-01 | Vigiolto Damon | Other | 58.07K | — | — |
| 2024-12-05 | Swies Nicole | Sell | 10.00K | $12.47 | 124.70K |
| 2024-11-22 | Sajnani Sunil | Sell | 34.49K | $12.42 | 428.40K |
| 2024-11-15 | Given Lachlan P | Buy | 267.62K | — | — |
| 2024-11-15 | Powell John Blair Jr. | Buy | 107.05K | — | — |
| 2024-11-15 | Jugmans Timothy | Buy | 80.28K | — | — |
| 2024-11-15 | VANROEKEL LISA | Buy | 35.68K | — | — |
| 2024-11-15 | Hicks Robert J | Buy | 6.69K | — | — |
| 2024-11-15 | Bryant Ellen H | Buy | 40.14K | — | — |
| 2024-11-15 | Swies Nicole | Buy | 23.64K | — | — |
| 2024-11-15 | Sajnani Sunil | Buy | 24.98K | — | — |
| 2024-11-12 | Given Lachlan P | Sell | 60.77K | $11.77 | 715.22K |
| 2024-11-12 | Sajnani Sunil | Buy | 2.24K | — | — |
| 2024-11-12 | Sajnani Sunil | Buy | 2.40K | — | — |
| 2024-11-12 | Sajnani Sunil | Buy | 4.07K | — | — |
| 2024-11-12 | Sajnani Sunil | Buy | 53.01K | $11.77 | 623.97K |
| 2024-11-12 | Sajnani Sunil | Sell | 12.91K | $11.77 | 151.94K |
| 2024-11-12 | Sajnani Sunil | Sell | 53.01K | — | — |
| 2024-11-12 | VANROEKEL LISA | Buy | 2.80K | — | — |
| 2024-11-12 | VANROEKEL LISA | Buy | 2.81K | — | — |
| 2024-11-12 | VANROEKEL LISA | Buy | 4.57K | — | — |
| 2024-11-12 | VANROEKEL LISA | Buy | 59.53K | $11.77 | 700.73K |
| 2024-11-12 | VANROEKEL LISA | Sell | 59.53K | — | — |
| 2024-11-12 | VANROEKEL LISA | Sell | 23.43K | $11.77 | 275.74K |
| 2024-11-12 | Powell John Blair Jr. | Buy | 9.60K | — | — |
| 2024-11-12 | Powell John Blair Jr. | Buy | 7.06K | — | — |
| 2024-11-12 | Powell John Blair Jr. | Buy | 10.45K | — | — |
| 2024-11-12 | Powell John Blair Jr. | Buy | 136.17K | $11.77 | 1.60M |
| 2024-11-12 | Powell John Blair Jr. | Sell | 136.17K | — | — |
Institutional holders
Latest filed quarter: Q2 2026.
Institutions holding: 328, holders +24 vs prior quarter. Ownership 115.15%.
| Holder | Shares | Change | Change % | Value |
|---|---|---|---|---|
| FMR LLC | 8.28M | 1.54M | +22.86% | 286.36M |
| BLACKROCK, INC. | 6.81M | -230.64K | -3.27% | 235.51M |
| CAPITAL RESEARCH GLOBAL INVESTORS | 3.53M | 14.31K | +0.41% | 121.93M |
| DIMENSIONAL FUND ADVISORS LP | 3.06M | -361.60K | -10.56% | 105.92M |
| VANGUARD CAPITAL MANAGEMENT LLC | 2.50M | 43.90K | +1.78% | 86.56M |
| TWO SIGMA INVESTMENTS, LP | 2.50M | -25.86K | -1.03% | 86.30M |
| RENAISSANCE TECHNOLOGIES LLC | 2.00M | -155.10K | -7.19% | 69.22M |
| UBS GROUP AG | 1.91M | -5.08K | -0.27% | 65.92M |
| MORGAN STANLEY | 1.54M | 273.32K | +21.60% | 53.19M |
| OPHIR ASSET MANAGEMENT PTY LTD | 1.49M | -126.91K | -7.85% | 51.50M |
| ATLAS FRM LLC | 1.45M | 0 | 0.00% | 50.13M |
| STATE STREET CORP | 1.35M | 59.10K | +4.58% | 46.62M |
| GOLDMAN SACHS GROUP INC | 1.32M | -153.04K | -10.41% | 45.55M |
| INVESCO LTD. | 1.18M | 26.68K | +2.30% | 40.96M |
| BNP PARIBAS FINANCIAL MARKETS | 1.06M | -5.23K | -0.49% | 36.51M |
| CAPITAL WORLD INVESTORS | 1.05M | 1.05M | New | 36.35M |
| STEPHENS INVESTMENT MANAGEMENT GROUP LLC | 1.04M | -395.60K | -27.58% | 35.91M |
| GEODE CAPITAL MANAGEMENT, LLC | 1.03M | 4.38K | +0.43% | 35.69M |
| QUBE RESEARCH & TECHNOLOGIES LTD | 966.84K | -400.02K | -29.27% | 33.42M |
| ROYCE & ASSOCIATES LP | 851.91K | 267.87K | +45.86% | 29.45M |
| JUPITER TOPCO LLC | 823.14K | 823.14K | New | 28.46M |
| JPMORGAN CHASE & CO | 824.02K | 382.69K | +86.71% | 27.46M |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 723.23K | 1.40K | +0.19% | 25.00M |
| SILVERCREST ASSET MANAGEMENT GROUP LLC | 712.70K | -76.25K | -9.67% | 24.64M |
| HEARTLAND ADVISORS INC | 705.91K | 0 | 0.00% | 24.40M |
Earnings and financials
EZCORP, Inc. (EZPW) trades at $29.53, with a market cap of $1.73B and a trailing P/E of 11.14. Revenue below is the annual history on file. It describes what the business has already reported. It is not a forecast and it is not a recommendation.
Financials
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| 730505000 | 747951000 | 812156000 | 847229000 | 822777000 | 729551000 | 886225000 | 1049041000 | 1161602000 | 1274280000 |
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