EZCORP

EZCORP

Consumer Finance
EZCORP Inc is a United States-based company engaged in offering pawn loans in the United States and Mexico. It also offers short-term unsecured loans and other consumer financial products, and buys and sells second-hand goods. The operating segments of the company are U.S. Pawn, Latin America Pawn, and Other Investments. The U.S. Pawn segment includes all pawn activities in the United States. The Latin America Pawn segment includes all pawn activities in Mexico and other parts of Latin America. The company generates revenue from merchandise sales, jewelry scrapping sales, and pawn service charges, of which key revenue is derived from the merchandise sales, which are mainly collateral forfeited from pawn lending operations and used merchandise purchased from the customers.

$1.9B

Market Cap • 10/2/2026

1989

(37 years)

Founded

1991

(35 years ago)

IPO

NASDAQ

Listing Exchange

Flag of United States

United States

Country

Valuation

P/B

1,6

P/S

1,2

P/EBITDA

7,2

P/OCF

10,2

P/FCF

13,4

P/E

15,3

BVPS

19

EPS

2

Market Cap

Market Cap

1,9B

EV

2,4B

EV/Revenue

1,5

EV/EBITDA

9,2

EV/EBIT

10,7

Payout

Dividend Per Share

0

Dividend Yield

0%

Buyback Yield

0,8%

Total Yield

0,8%

Payout

0%

Retained Earnings

739,4M

Profitability

Gross Margin

58,6%

EBITDA Margin

16,2%

EBIT Margin

13,9%

Net Margin

10%

D&A/EBITDA

14,1%

R&D/Revenue

0%

Capex/Revenue

2,7%

Capex/D&A

119,7%

Capex/OCF

23,8%

SBC/OCF

8,8%

% PPE

17,1%

% Goodwill

21,9%

ROE

14,7%

ROIC

11%

Growth

CAGR Revenue 5Y

17,6%

CAGR OCF 5Y

47,7%

Leverage

N.D./EBITDA

1,9

Debt/Equity

0%

Current Ratio

4,8

Quick Ratio

3,3

Interest Coverage

667,1%

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