EZPW
EZCORP, Inc.
EZPW's fundamentals are strong: revenue grew 33% and earnings per share grew 46%. At 13x earnings, it's trading below its usual 16x. Analysts expect that strong growth to continue.
EZPW Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
EZPW's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like EZPW.
EZPW PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $23.75 | -12% |
| Forward | 12x | $27.05 | — |
| Current | 13x | $27.05 | — |
| Fair | 16x | $32.37 | +20% |
| Expensive | 21x | $43.19 | +60% |
Historical ranges are pointers, not guarantees.
EZPW's PE is in its cheap range at 13x. If earnings grow as analysts expect, today's price would be 12x next year's earnings.
EZPW Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for EZPW, with profitability improving.
EZPW Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.18 | +5.2% |
| Q3 2026 | $2.07 | +46% |
| Q2 2026 | $1.99 | +57% |
| Q1 2026 | $1.85 | +57% |
| Q4 2025 | $1.57 | +38% |
| Q3 2025 | $1.42 | +29% |
| Q2 2025 | $1.27 | +20% |
| Q1 2025 | $1.18 | +12% |
| Q4 2024 | $1.14 | +78% |
EZPW's earnings per share have climbed steadily: $2.07 over the past year, up 46% from the year before, and higher year over year for 11 quarters in a row.
EZPW Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $447.1M | +33% |
| Q2 2026 | $418.7M | +35% |
| Q1 2026 | $446.9M | +46% |
| Q4 2025 | $382M | +19% |
| Q3 2025 | $336.8M | +14% |
| Q2 2025 | $311M | +11% |
| Q1 2025 | $306.3M | +7.2% |
| Q4 2024 | $320.2M | +6.7% |
EZPW's revenue has grown year over year for 21 quarters in a row: $447M last quarter, up 33% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 13% | +1.6 points |
| Q2 2026 | 13% | +1.5 points |
| Q1 2026 | 15% | +4 points |
| Q4 2025 | 16% | +2.8 points |
| Q3 2025 | 11% | +2.2 points |
| Q2 2025 | 12% | +3.7 points |
| Q1 2025 | 11% | +1.6 points |
| Q4 2024 | 13% | +0.7 points |
EZPW's operating margin was 13% last quarter, up 1.6 points from the same quarter a year ago.
EZPW Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $38.2M | +6.8% |
| Q2 2026 | $32.9M | +28% |
| Q1 2026 | $38M | +33% |
| Q4 2025 | $31.7M | +55% |
| Q3 2025 | $35.7M | +46% |
| Q2 2025 | $25.7M | -16% |
| Q1 2025 | $28.6M | +232% |
| Q4 2024 | $20.4M | +43% |
EZPW's free cash flow was $141M over the past year, up 27% from the year before. Free cash flow isn't a meaningful measure for financial services companies like EZPW.
EZPW Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -52K shares |
| 1 year | +0.5% | +440K shares |
| 3 years | -4% | -3.5M shares |
| 5 years | +49% | +27.5M shares |
| Available history | +50% | +27.7M shares |
EZPW has 83M diluted shares, up 0.5% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3M |
| Q2 2026 | $4M |
| Q1 2026 | $4M |
| Q4 2025 | — |
| Q3 2025 | $999,000 |
| Q2 2025 | $2M |
| Q1 2025 | $997,000 |
| Q4 2024 | $3M |
EZPW Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.8x | Very low |
| Q2 2026 | 0.8x | Very low |
| Q1 2026 | 0.7x | Very low |
| Q4 2025 | 0.3x | Very low |
| Q3 2025 | 0.3x | Very low |
| Q2 2025 | 0.3x | Very low |
| Q1 2025 | 0.7x | Very low |
| Q4 2024 | 1.0x | Healthy |
EZPW's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like EZPW.
EZPW Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 41.9 | Neutral |
| Stochastic | 14.8 | Oversold |
EZPW's weekly RSI is 42 (neutral) and its Stochastic is 15 (oversold).
EZPW PE vs Financial Services Sector
| Metric | EZPW | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.4% above |
| PE % | 31 | 63 | 32 pts below |
EZPW is trading at 13x earnings, in line with the Financial Services sector's median of 13x.
EZPW Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $29.8 | 9.3% below |
| 20 week MA | $30.9 | 13% below |
| 50 week MA | $28.4 | 4.6% below |
| 100 week MA | $21.7 | 25% above |
| 200 week MA | $15.7 | 72% above |
EZPW has pulled back, but its long-term trend is still up: it's below its 8-, 20- and 50-week averages, but 72% above its 200-week average.
EZPW Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $6.69 | $4.75 | -29% |
| 2021 | $4.75 | $7.10 | +49% |
| 2022 | $7.10 | $8.33 | +17% |
| 2023 | $8.33 | $8.74 | +4.9% |
| 2024 | $8.74 | $12.3 | +41% |
| 2025 | $12.3 | $19.8 | +61% |
| 2026 YTD | $19.8 | $27.1 | +36% |
EZPW has finished higher in five of the last six years. It's up 36% so far in 2026.