EZCORP, Inc. (EZPW) Stock Price & Analysis
EZCORP, Inc. (EZPW) closed at USD 28.7 on Friday, October 23, 2026, down 2.21% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 29.35; the Oct 23, 2026 session ranged USD 27.77–29.48 on volume of 1,914,804 shares. Market capitalization is $1.76B, with a 52-week range of USD 16.5–37.13 (NMS). Source: Nexqual, retrieved October 24, 2026 at 11:32 UTC.
Also available as compact Markdown for AI agents: nexqual.com/EZPW.md
Key facts (EZPW)
- Last four reported quarters (through Jun 30, 2026): revenue $1.58B, net income $158M (10.0% margin), free cash flow $138M (SEC filings).
- Valuation: P/E 11.1x (avg 14.4x at the last 3 fiscal year-ends), EV/EBITDA 7.7x, net debt $208M.
- Insider open-market sales, last ~7 months: 5 Form 4 filings, $2.9M; 2 not under a Rule 10b5-1 plan ($1.2M); 1 by opportunistic insiders (1 outside 10b5-1 plans), 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Analysts: Buy (mean 2.00 on a 1–5 scale) (5 analysts), mean target USD 41 (range 36–45).
- Total return with dividends: 1Y +58.0% vs S&P 500 +13.4%; 5Y +284.7% vs S&P 500 +76.9%.
- Next earnings: 2026-11-18, EPS estimate USD 0.43, revenue estimate $428M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (EZPW)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $730M | $886M | $1.05B | $1.16B | $1.27B | $1.58B |
| Gross profit | $449M | $528M | $610M | $682M | $746M | — |
| Operating income | $31.2M | $74.9M | $92.2M | $113M | $149M | $220M |
| Net income | $8.6M | $50.2M | $38.5M | $83.1M | $110M | $158M |
| EPS (diluted) | $0.15 | $0.70 | $0.53 | $1.10 | $1.42 | — |
| Free cash flow | $22.8M | $34.6M | $61.4M | $77.8M | $110M | $138M |
| Gross margin | 61.6% | 59.6% | 58.1% | 58.7% | 58.5% | — |
| Operating margin | 4.3% | 8.5% | 8.8% | 9.7% | 11.7% | 13.9% |
| Net margin | 1.2% | 5.7% | 3.7% | 7.2% | 8.6% | 10.0% |
| Revenue growth | -11.3% | +21.5% | +18.4% | +10.7% | +9.7% | — |
| Cash + short-term investments | $254M | $206M | $221M | $171M | $470M | — |
| Total debt | $311M | $313M | $360M | $327M | $518M | — |
Fiscal years end Sep. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (EZPW)
P/E 11.1x · P/S 1.1x · EV/EBITDA 7.7x · EV/Sales 1.2x · P/FCF 12.7x · P/B 1.5x · FCF yield 7.84% · Earnings yield 8.98% · Buyback yield (TTM) 0.51% · Net debt $208M · EV $1.97B
P/E at fiscal year-ends: Sep 2025 14.5x, Sep 2024 11.4x, Sep 2023 17.3x.
Insider sales (SEC Form 4, open-market, last ~7 months) (EZPW)
3 of 5 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-08-24 | Bryant Ellen H | Chief Legal Officer | 30,000 | $1.0M | 20.3% | Yes | Too little history (no open-market trades in 2023–2025) |
| 2026-07-06 | Espinosa Pablo Lagos | Director | 10,000 | $355K | 4.6% | Yes | Too little history (no open-market trades in 2023 or 2025) |
| 2026-06-05 | Espinosa Pablo Lagos | Director | 10,000 | $320K | 4.4% | Yes | Too little history (no open-market trades in 2023 or 2025) |
| 2026-05-20 | Appel Matthew W | Director | 15,037 | $500K | 10.7% | No | Opportunistic (traded every year 2023–2025, no repeating month) |
| 2026-05-12 | Kulas Jason A. | Director | 20,000 | $671K | 10.4% | No | Too little history (no open-market trades in 2023–2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Analysts (EZPW)
Consensus Buy (mean 2.00 on a 1–5 scale), 5 analysts; mean target USD 41 (low 36, high 45).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-15 | Canaccord Genuity | Target raised | Buy | $44 → $45 |
| 2026-07-08 | Jefferies | Target raised | Buy | $40 → $45 |
Total return (dividends reinvested) (EZPW)
| 1Y (from 2025-10-24) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +58.0% | +284.7% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +58.3% | +31.0% |
| Volatility (annualized) | 43.2% | 33.7% |
| Max drawdown | -24.2% (Jul 2026→Aug 2026) | -30.9% (Nov 2021→Mar 2022) |
EZPW revenue by business segment (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| U.S. Pawn | $251.2M | 60.0% | +14.2% |
| Latin American Pawn | $124.4M | 29.7% | +36.7% |
| SMG | $43.1M | 10.3% | — |
| Total revenue | $418.7M | 100% | — |
EZPW revenue by product line (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Merchandise sales | $209.7M | 50.1% | +24.3% |
| Pawn service charges | $152.5M | 36.4% | +32.2% |
| Jewelry scrap sales | $56.6M | 13.5% | +109.8% |
| Other revenues | $43,000 | 0.0% | -10.4% |
| Total revenue | $418.7M | 100% | — |
EZPW revenue by region (fiscal year ended Sep 30, 2025)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| United States | $912.5M | 71.6% | +9.1% |
| Mexico | $267.3M | 21.0% | +8.0% |
| Latin America | $94.5M | 7.4% | +21.3% |
| Total revenue | $1.27B | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
EZPW analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $0.43 | $0.45 | -5.3% | $428.2M | 4 |
| Next quarter (ends Dec 2026) | $0.63 | $0.61 | +2.9% | $465.7M | 4 |
| Current fiscal year (ends Sep 2026) | $2.03 | $2.00 | +1.8% | $1.68B | 4 |
| Next fiscal year (ends Sep 2027) | $2.22 | $2.14 | +3.5% | $1.83B | 4 |
EZPW options: expected move
Options price a move of about ±11.6% (±$3.40) by Nov 20, 2026, which includes earnings on Nov 18, 2026. Over the last 8 reports the stock moved ±3.6% on average.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Nov 20, 2026 | 27 | 50.1% | ±11.6% |
| Dec 18, 2026 | 55 | 50.9% | ±16.2% |
| Mar 19, 2027 | 146 | 47.9% | ±24.3% |
| Jun 17, 2027 | 236 | 49.8% | ±31.7% |
30-day implied volatility 53.4% vs 48% realized over the last 30 trading days. Put/call ratio (volume) 0.43. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 24, 2026 at 11:32 UTC)
| Price | USD 28.7 |
|---|---|
| Change | ▼ 2.21% (down) |
| Previous Close | USD 29.35 |
| Open | USD 28.62 |
| Day Range | USD 27.77 – 29.48 |
| 52-Week Range | USD 16.5 – 37.13 |
| Volume | 1,914,804 shares |
| Market Cap | $1.76B |
| Exchange | NMS |
Technical Analysis (EZPW)
Nexqual's technical model rates EZPW "SELL" based on 1 bullish and 5 bearish signals across 127 daily candles, as of October 24, 2026 at 11:32 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 31.83 (neutral) |
| vs SMA50 | Below (USD 31.59) |
| MACD | -0.04 (negative) |
Analyst Ratings (EZPW)
Wall Street analysts rate EZPW "Buy" based on 5 analysts, with a mean price target of USD 41 (range USD 36–45), per Nexqual as of October 24, 2026 at 11:32 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 5 |
| Mean Target | USD 41 |
| High Target | USD 45 |
| Low Target | USD 36 |
| Buy / Hold / Sell | 4 / 1 / 0 |
Earnings (EZPW)
| Next Earnings Date | 2026-11-18 |
|---|---|
| EPS Estimate | USD 0.43 |
| Revenue Estimate | $428.15M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.47 vs est 0.41 ▲ beat |
| 2026-03-31 | USD 0.58 vs est 0.41 ▲ beat |
| 2025-12-31 | USD 0.55 vs est 0.43 ▲ beat |
| 2025-09-30 | USD 0.34 vs est 0.3 ▲ beat |
Source: Nexqual, October 24, 2026 at 11:32 UTC.
Financials & Fundamentals (EZPW)
| Total Revenue | $1.58B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +34.70% |
| Gross Margin | +58.55% |
| Operating Margin | +13.10% |
| Profit Margin | +9.99% |
| ROE | +14.74% |
| Debt / Equity | 0.7 |
| Current Ratio | 4.81 |
| Total Cash | $311.03M |
| Total Debt | $811.86M |
| Free Cash Flow (last four quarters to Jun 2026, SEC 10-Q / 10-K) | $138.32M (8.7% of revenue) |
Source: Nexqual, October 24, 2026 at 11:32 UTC.
Financial Health Score (EZPW)
Nexqual rates EZCORP, Inc.'s overall financial health "Solid" across five dimensions, as of October 24, 2026 at 11:32 UTC.
| Growth | Solid — Revenue +10% YoY (annual) |
|---|---|
| Profitability | Strong — Gross margin 59%, operating 13% (last 12 months) |
| Balance Sheet | Strong — $311M cash and investments vs $519M debt (Jun 2026, SEC) |
| Cash Flow | Solid — FCF $138M (last 4 quarters to Jun 2026, SEC), 9% margin |
| Efficiency | Mixed — ROE 15%, ROA 6.9% |
Ownership (EZPW)
| Insider Ownership | +4.44% |
|---|---|
| Institutional Ownership | +125.82% |
| Shares Outstanding | 58.47M |
| Float | 55.70M |
| Short % of Float | +27.23% |
Source: Nexqual, October 24, 2026 at 11:32 UTC.
Leadership (EZPW)
EZCORP, Inc. is led by Lachlan P. Given BBus, CEO & Director, per Nexqual as of October 24, 2026 at 11:32 UTC.
| CEO & Director | Lachlan P. Given BBus |
|---|---|
| Executive Chairman | Phillip Ean Cohen B.Com. |
| Chief Financial Officer | Timothy K. Jugmans |
| Chief Operating Officer | John Blair Powell |
| Chief Technology Officer | James W. Fugitt |
Major Backers & Investors (EZPW)
Notable institutional backers of EZCORP, Inc. include FMR, LLC, Fidelity, SmallCap World Fund Inc, according to Nexqual as of October 24, 2026 at 11:32 UTC.
Active Investors
| Investor | Stake |
|---|---|
| FMR, LLC | 14.17% |
| Fidelity | 9.32% |
| SmallCap World Fund Inc | 7.62% |
| Capital Group | 6.03% |
| Two Sigma Investments, LP | 4.27% |
| Renaissance Technologies | 3.42% |
| UBS Group AG | 3.26% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 11.65% |
| Dimensional Fund Advisors | 5.24% |
| Vanguard Group | 4.28% |
Source: Nexqual, October 24, 2026 at 11:32 UTC.
From EZCORP, Inc.'s Latest SEC 10-K Filing (filed 2025-11-13)
Key Strengths & Strategy (as disclosed to the SEC)
- Our engagement score is eleven points higher than the global benchmark, assembled from data of over 1,200 companies of varying size across a variety of industries (Finance, Healthcare, Manufacturing, Professional Services, Retail, Technology and Utilities) and includes results from over 11 million respondents located in over 160 countries.
Legal & Regulatory Risks (Item 1A, quoted)
- Changes in, or failure to comply with, laws and regulations affecting our products and services could have a material adverse effect on our operations and financial performance.
- We have significant operations in Latin America, and changes in the business, regulatory, political or social climate could impact our operations there, which could adversely affect our results of operations and growth plans.
- Litigation and regulatory proceedings could have a material adverse impact on our business.
- We may be exposed to liabilities under applicable anti-bribery, anti-corruption, anti-money laundering and other general business laws and regulations, and any determination that we violated these laws or regulations could have a material adverse effect on our business.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
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Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 24, 2026 at 11:32 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt