EZCORP, Inc. (EZPW)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 823 | 730 | 886 | 1,049 | 1,162 | 1,274 | 1,584 | 1,675 |
| Operating profit | $m | 149 | 220 | ||||||
| Net profit | $m | -68 | 9 | 50 | 38 | 83 | 110 | 158 | 169 |
| EPS reported | $ | 1.42 | 1.96 | ||||||
| Operating cashflow per share | $ | 2.59 | 2.99 | ||||||
| Capex per share | $ | 0.67 | 0.70 | ||||||
| FCF per share | $ | 1.92 | 2.28 | ||||||
| Free cash flow | $m | 110 | 140 | ||||||
| Net debt | $m | 49 | 208 | ||||||
| Book value equity | $m | 1,025 | 1,165 | ||||||
| Book value per share | $ | 12.30 | 13.97 | ||||||
| Number of shares | m | 83.38 | 83.36 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 13.41 | 15.90 | ||||||
| P/B LTM | x | 1.07 | 0.94 | ||||||
| P/S LTM | x | 0.86 | 0.69 | ||||||
| P/FCF LTM | x | 9.91 | 7.79 | ||||||
| EV/EBITDA LTM | x | 6.86 | 5.04 | ||||||
| EV/Sales LTM | x | 1.09 | 1.41 | ||||||
| Earnings Yield LTM | % | +7.46% | +6.29% | ||||||
| FCF Yield | % | +10.09% | +12.84% | ||||||
| Quality | |||||||||
| ROE | % | +10.69% | +14.45% | ||||||
| ROIC | % | +6.15% | +8.20% | ||||||
| Operating margin | % | +11.71% | +13.90% | ||||||
| Gross margin | % | +58.55% | +57.95% | ||||||
| FCF/Sales | % | +8.67% | +8.86% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +29.09% | +78.18% | ||||||
| Sales Growth YoY | % | +9.70% | +36.40% | ||||||
| Net Income Growth YoY | % | +31.91% | +90.52% | ||||||
| FCF Growth | % | +41.87% | +80.44% | ||||||
| Operating Profit Growth | % | +32.56% | +95.73% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.14 | 0.17 | ||||||
| Net Debt/EBITDA | x | 1.46 | 1.81 | ||||||
| EBIT/Net interest | x | 6.48 | 6.67 | ||||||
| Net debt/market cap | % | +47.35% | +30.08% | ||||||
| Net debt/Equity | x | 0.05 | 0.18 | ||||||
| Gross debt/equity | x | 0.75 | 0.70 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
EZCORP, Inc. operates primarily by offering collateralized loans, commonly known as pawn loans, to individuals in both the United States and various Latin American countries. These loans are secured by a wide array of personal items, including but not limited to jewelry, consumer electronics, tools, sporting equipment, and musical instruments. Beyond its lending activities, the company also engages in the retail sale of merchandise. This inventory largely comprises items that were once collateral for unredeemed pawn loans, as well as pre-owned goods directly acquired from customers. To further support its clientele, EZCORP provides online platforms, Lana and EZ+, designed to facilitate the management of pawn loans. As of September 30, 2021, EZCORP, Inc. maintained a substantial physical presence, with 516 company-owned and operated pawn shops in the U.S., 508 in Mexico, and an additional 124 locations spread across Guatemala, El Salvador, and Honduras. The company was founded in 1989 and has its corporate headquarters situated in Austin, Texas.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
EZCORP, Inc. operates primarily by offering collateralized loans, commonly known as pawn loans, to individuals in both the United States and various Latin American countries. These loans are secured by a wide array of personal items, including but not limited to jewelry, consumer electronics, tools, sporting equipment, and musical instruments. Beyond its lending activities, the company also engages in the retail sale of merchandise. This inventory largely comprises items that were once collateral for unredeemed pawn loans, as well as pre-owned goods directly acquired from customers. To further support its clientele, EZCORP provides online platforms, Lana and EZ+, designed to facilitate the management of pawn loans. As of September 30, 2021, EZCORP, Inc. maintained a substantial physical presence, with 516 company-owned and operated pawn shops in the U.S., 508 in Mexico, and an additional 124 locations spread across Guatemala, El Salvador, and Honduras. The company was founded in 1989 and has its corporate headquarters situated in Austin, Texas.
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