EZCORP INC (EZPW)
Financials · consumer finance / specialty lending · NASDAQ
EZCORP provides pawn loans and retail merchandise, serving as a provider of short-term liquidity and high-value consumer goods in the US and Latin America.
What EZCORP INC does
EZCORP, Inc. is a provider of pawn transactions in the United States and Latin America. The company operates through a network of pawn stores, offering collateralized loans to individuals and selling a variety of merchandise, including jewelry, consumer electronics, tools, sporting goods, and musical instruments. Additionally, the company engages in the sale of precious metals (jewelry scrap).
Themes: alternative credit, short-term lending, pawn brokerage, secondary market retail, precious metals
Fundamentals
- Price$33.20 as of 2026-10-21 close
- Market cap$2.0B as of 2026-07-30 (share count; price 2026-10-21)
- 1-year return+88.5% 2025-10-21 close $17.61 → 2026-10-21 close $33.20
- P/E16.68 as of 2026-10-21
- Net margin+8.6% FY2025, SEC XBRL
- Gross margin+58.5% FY2025, SEC XBRL
- ROE+10.7% FY2025, SEC XBRL
- ROIC+10.9% NOPAT / (debt + equity - cash), average capital — 10-K FY2025 (year ended 2025-09-30)
- Debt / equity0.45 borrowings, leases excluded / equity — 10-Q/10-K balance sheet 2026-06-30
- Revenue growth (YoY)+9.7% FY2025, SEC XBRL
- Revenue CAGR (3y)+12.9% SEC XBRL
- Beta0.48 as of 2026-09-03
- Last reported earnings2026-08-05 SEC EDGAR Form 8-K (Item 2.02)
How EZPW compares in its sector
- price-to-earnings ratiomiddle range 487 covered Financials peers, as of 2026-10-21
- net profit marginmiddle range 343 covered Financials peers, as of 2026-09-03
- operating marginmiddle range 121 covered Financials peers, as of 2026-09-03
- gross marginmiddle range 31 covered Financials peers, as of 2026-09-03
- return on equitymiddle range 558 covered Financials peers, as of 2026-09-03
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
EZPW is not currently in any published Top 10 list. Its scores are below.
Top 10 score
60.5 #204 of 1,265 scored · #65 of 174 in Financials
Trend 79th (a "golden cross" — its 50-day average is above its 200-day) and valuation 66th (price to book 1.1, price to earnings 16.7); weakest is capital return (40th, consecutive years of dividend increases 0 years, net share count bought back over the year 1.3).
Scores as of 21 Oct 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 4.
Quarterly results
| Quarter | Revenue | Gross profit | Operating income | Net income | Diluted EPS | Operating cash flow | Capex |
|---|---|---|---|---|---|---|---|
| Q3 FY2026 2026-06-30 | $419M | $246M | $55M | $38M | $0.48 | $43M† | $10M† |
| Q2 FY2026 2026-03-31 | $447M | $260M | $68M | $49M | $0.61 | $48M† | $10M† |
| Q1 FY2026 2025-12-31 | $382M | $223M | $61M | $44M | $0.55 | $39M | $7M |
| Q4 FY2025 2025-09-30 | $337M† | $199M† | $37M† | $27M† | $0.34† | $51M† | $16M† |
| Q3 FY2025 2025-06-30 | $311M | $184M | $36M | $27M | $0.34 | $35M† | $9M† |
| Q2 FY2025 2025-03-31 | $306M | $178M | $34M | $25M | $0.33 | $37M† | $8M† |
| Q1 FY2025 2024-12-31 | $320M | $185M | $42M | $31M | $0.40 | $26M | $6M |
| Q4 FY2024 2024-09-30 | $295M† | $175M† | $26M† | $15M† | $0.21† | $43M† | $19M† |
† Not filed as a discrete quarter: derived from the company's own year-to-date figures (for example the fourth quarter as the fiscal year minus the first nine months). A derived per-share figure is approximate, because the share count moves within the year.
Balance sheet at 2026-06-30
- Cash and equivalents$311M
- Total debt$519M borrowings only; leases excluded
- Net debt$208M total debt − cash − short-term investments
From the company's own SEC 10-Q and 10-K filings (XBRL), re-read every week. Figures in US dollars as filed; informational only — not financial advice.
How EZCORP INC looks technically
EZCORP INC (EZPW) is trading 14.1% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 687 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 15, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 61, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 10 trading days ago (its momentum flipped positive). It just made a new 20-day high, its first since 2026-09-04, pushing above its recent trading range. Trading volume is unusually light — only about 49% of its 30-day average.
Trend
8
| Distance from the 200-day | it is trading 14.1% above its 200-day average, the long-term trend line — a longer-term uptrend | +14.1% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $31.58 | $31.58 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $29.10 | $29.10 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 20 calendar days ago — the swings before that are what the structure reading is measured on | 20 sessions |
| Wave structure | its recent swings can be read as a completed five-part downward sequence — the pattern Elliott-wave chartists call an impulse — which on that reading would now be due a pullback rather than more of the same; the labelling fails if price closes below 29.25. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible five-wave downward sequence, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 687 trading days ago — a "golden cross", a bullish long-term signal | 687 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 15, below the 25 that marks a real trend) | 15.0 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 61, neither overbought (above 70) nor oversold (below 30) | 61.3 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($29.81 to $34.23) — its "stochastic" reading is 77 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 76.7 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 10 trading days ago (its momentum flipped positive) | 10 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $37.13 | $37.13 |
|---|---|---|
| From the 52-week high | it is 10.6% below its 52-week high (its highest price of the past year) | -10.6% |
| Above the 52-week low | it is 101.2% above its 52-week low (its lowest price of the past year) | +101.2% |
| Below the 52-week high | it is 10.6% below its highest point of the past year | 10.6% |
| Since a 20-day breakout | it just made a new 20-day high, its first since 2026-09-04, pushing above its recent trading range | 1 session |
| Since a 55-day breakout | it made a new 55-day low about 51 trading days ago | 51 sessions |
| All-time high | its highest closing price on record is $38.66 (set on 2011-07-06) | $38.66 |
| Given back of the 52-week move | over the past year its closes ranged ($17.41 to $35.59), and it has given back only a small part of its rise from last year’s low — 13% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $23.77 to $24.35. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 13.2% |
| From the all-time high | it is 14.1% below its all-time high | -14.1% |
| Nearest price level | it is trading 4.8% above a support level at $31.62 — a price it turned at five times since 2026-05-07, most recently on 2026-09-28. Since 2024-10-21 it has 15 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -4.8% |
| All-time low | its lowest closing price on record is $2.44 (set on 2016-02-12) | $2.44 |
| Above the all-time low | it is 1260.7% above its all-time low | +1,261% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 41st percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.10 between its high and its low — about 3.3% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.10 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $29.08 and $34.01 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $29.08 – $31.55 – $34.01 |
| Typical daily range (% of price) | its price moves about 3.3% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 3.3% |
| Stretch from the 200-day average | it is trading 3.7 daily ranges above its 200-day average price (14.1% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 3.7 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is unusually light — only about 49% of its 30-day average | 0.49× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
1
| Since a bullish engulfing | 9 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 9 sessions ago |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-10-21 1.5% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +1.4% |
|---|---|---|
| Gap filled | a 4.3% gap down opened on 2026-08-06 has been "filled" 53 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 53 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +1.37% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 10.3 percentage points (the stock gained 10.3% while the market lost 0.1%) | +10.3% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 1.3 percentage points (the stock gained 2.1% while the market gained 3.3%) | -1.3% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 1.3 percentage points (the stock gained 8.5% while the market gained 9.8%) | -1.3% |
| vs market, 12 months | over the past 12 months this stock beat the market by 73.4 percentage points (the stock gained 88.5% while the market gained 15.2%) | +73.4% |
Signal agreement
2
| Bullish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, a fresh 20-day high, MACD momentum is positive, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: lagging the market over 6 months — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 5.0% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-15 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 0.5% of the share price, which is taken to mean a barrier that gives way easily. | +5.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 14% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $29.12 — a volume-weighted average of daily closes over 198 sessions, not a true tick-by-tick VWAP. | +14.0% |
|---|---|---|
| Vs the average paid since it last reported | the price is 7% above the average price paid since it last reported on 2026-08-05 (its 10-Q), so the typical buyer over that stretch is showing a gain. That average is $31.13 — a volume-weighted average of daily closes over 55 sessions, not a true tick-by-tick VWAP. | +6.7% |
Price levels it has turned at before
EZPW last closed at $33.20 on 2026-10-21. Since 2024-10-21 it has turned at 15 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $31.62 | Support | 4.8% below the last close | turned there five times · 2026-05-07 to 2026-09-28 |
| $36.88 | Resistance | 11.1% above the last close | turned there twice · 2026-05-07 to 2026-07-06 |
| $29.20 | Support | 12.1% below the last close | turned there three times · 2026-06-11 to 2026-10-01 |
| $28.22 | Support | 15.0% below the last close | turned there twice · 2026-07-30 to 2026-08-20 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $29.25.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
This reading has stood for 10 trading days, since 2026-10-08.
Read from daily closes as of 2026-10-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Trading above the 50-day moving average · Broke out to a new 20-day high · trendless / choppy (low ADX) · Trading above the Ichimoku cloud · Completed Elliott five-wave sequences | Learn: moving average · golden cross · adx · rsi · macd · breakout · volume and relative volume
Based on daily closing prices as of 2026-10-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (1.60 mean, 1=Strong Buy…5=Strong Sell) — 5 analysts
- Mean price target$41.00 range $36.00 – $45.00; median $40.00
Analyst estimates, as of 2026-10-22. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for EZPW
- Consensus EPS estimate$0.43 next reporting period, as of 2026-10-22
- Estimate change, 30 days+$0.004 (+0.9%) from $0.426, on 2026-09-17, 35-day window
- Readings revised upward25% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Regulatory and legal risks concerning interest rates and fees for pawn transactions.","Exposure to fluctuations in the market price of gold and other precious metals.","Dependence on store operations and potential economic downturns affecting customer borrowing and spending."]
What changed in the latest 10-Q
AI-assisted comparison of EZPW's 10-Q filed 2026-08-05 against the prior one filed 2026-05-06.
Management's Discussion & Analysis (MD&A)
- Notes:
- The newer text is truncated mid-sentence after 'See “Part I,' and the older text ends at the same point, so the available text indicates no differences but both excerpts are incomplete.
Risk Factors
- Added:
- Newer filing (2026-08-05) adds that the Company subsequently acquired non-controlling interests in Founders during the third quarter of fiscal 2026, resulting in 100% ownership of Founders and an effective 97.4% ownership interest in SMG as of June 30, 2026.
- Newer filing (2026-08-05) adds that in July 2026, the Company acquired the remaining noncontrolling interest in SMG, increasing ownership of SMG to 100%.
- Newer filing (2026-08-05) adds 'and the Caribbean' to describe the geographic scope of pawn services in the Business Overview section.
- Removed:
- Older filing (2026-05-06) states that following the Founders transaction, the Company owns 87.7% of Founders, which controls SMG with an 85.1% ownership interest; this specific ownership detail is removed in the newer filing.
- Reworded:
- Older filing (2026-05-06) describes the Company as a pawn services provider in the 'United States and Latin America'; newer filing (2026-08-05) changes this to 'United States, Latin America and the Caribbean'.
- Older filing (2026-05-06) refers to the chart as presenting sources of gross profit by 'geographic disbursement'; newer filing (2026-08-05) changes this to 'segment'.
- Older filing (2026-05-06) presents gross profit for the 'three and six months ended March 31, 2026 and 2025'; newer filing (2026-08-05) updates the periods to 'three and nine months ended June 30, 2026 and 2025'.
- Older filing (2026-05-06) uses 'Jewelry Scrap GP' (with capital 'S'); newer filing (2026-08-05) uses 'Jewelry scrap GP' (lowercase 's').
- Notes:
- The provided section in both filings is labeled 'Risk Factors' but contains MD&A-style content (Business Developments, Business Overview, Results of Operations). The comparison covers only the provided text excerpts, which appear to be from the Management's Discussion and Analysis section rather than Item 1A Risk Factors.
- The newer filing excerpt ends mid-sentence at 'provides a better understanding and evaluation of factors and', limiting full comparison of the Non-GAAP section's closing text.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 1 open-market sale by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-17. The 5 days since 2026-10-17 have not been checked yet.
- Last 90 days · read to 2026-10-170 buys · 1 sell ($1M) — 1 selling insider
- Last 180 days · read to 2026-10-170 buys · 5 sells ($3M) — 4 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-24. Based on Form 4 filings read through 2026-10-17; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about EZPW's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding EZPW as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 18,622,277
- Reported value $643,772,099
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 3 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about EZPW's institutional holders → See what each manager we track holds →
Short interest (FINRA)
EZPW had 12,339,130 shares of reported short interest as of the 2026-09-30 FINRA settlement date (delayed, bi-monthly; not real-time).
Short interest as a percent of shares outstanding is not shown for EZPW because we do not hold a verified share count to divide it by. The reported figures above are unaffected.
- Reported short interest (shares) 12,339,130
- Prior settlement (shares) 12,248,958
- Reported change 0.74%
- Days to cover (reported) 16.94
Reported to FINRA as of the 2026-09-30 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Cash America (now part of FirstCash Holdings, Inc. (FCFS))
- FirstCash Holdings (FCFS)
- World Acceptance Corporation (WRLD)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does EZCORP INC (EZPW) do?
EZCORP, Inc. is a provider of pawn transactions in the United States and Latin America. The company operates through a network of pawn stores, offering collateralized loans to individuals and selling a variety of merchandise, including jewelry, consumer electronics, tools, sporting goods, and musical instruments. Additionally, the company engages in the sale of precious metals (jewelry scrap).
What sector is EZCORP INC (EZPW) in?
EZCORP INC (EZPW) is classified in the Financials sector. Its industry is consumer finance / specialty lending. It trades on NASDAQ.
Who are EZCORP INC's (EZPW) competitors?
Notable peers of EZCORP INC (EZPW) include Cash America (now part of FirstCash Holdings, Inc. (FCFS)), FirstCash Holdings and World Acceptance Corporation. This peer set is informational only — not financial advice.
Is EZCORP INC (EZPW) overbought or oversold right now?
EZCORP INC (EZPW) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 61, in the neutral middle (as of 2026-10-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on EZPW come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.