EZCORP INC (EZPW)
Financials · Pawn lending and collateralized consumer finance · Nasdaq
A diversified pawn lender and merchandise retailer that monetizes collateralized loans and resells pawned goods and scrap materials.
What EZCORP INC does
EZCORP operates a network of pawn shops that provide short-term loans collateralized by personal property, as well as buy, sell, and trade merchandise. The company generates revenue through pawn service charges (interest on loans), merchandise sales (items pawned or purchased), and jewelry scrap sales from surplus inventory.
Themes: ["Collateralized lending / pawn lending","Used goods retail","Financial services"]
Fundamentals
- Price$34.07 as of 2026-07-10 close
- Market cap$2.1B as of 2026-07-12
- 1-year return+146.5% as of 2026-07-10 close
- P/E14.30 as of 2026-07-12
- Net margin+9.9% as of 2026-07-12
- Gross margin+58.6% as of 2026-07-12
- ROE+13.9% as of 2026-07-12
- Debt / equity0.46 as of 2026-07-12
- Revenue growth (YoY)+22.8% as of 2026-07-12
- Revenue CAGR (3y)+12.9% SEC XBRL
- Beta0.64 as of 2026-07-12
Key risks (from latest filing)
["Pawn lending is sensitive to economic downturns and consumer liquidity; reduced loan demand or lower average loan values could impact service charge revenue.","Merchandise sales and scrap metal prices are subject to market volatility and consumer spending patterns.","Regulatory changes in lending, data privacy, and consumer protection laws could affect operating costs and business model."]
Competitors & peers
- FirstCash (FCFS)
- Cottonwood Financial
- EZCorp Mexico (unconsolidated affiliate)
Fundamentals: Finnhub, as of 2026-07-12. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-10.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.