EZCORP stock | Price, analyst rating, price target & growth

EZCORP

NasdaqGS:EZPW

$ 25,21

$-0,07 (-0,28%)

25,21 $

$-0,07 (-0,28%)

End-of-day quote: 03/27/2026

EZCORP Stock Value

Analysts currently give EZCORP a rating of Outperform.

Outperform

EZCORP Company Info

EPS Growth 5Y

29,67%

Market Cap

$1,56 B

Long-Term Debt

$0,52 B

Short Interest

10,67%

Quarterly earnings

N/A

Dividend

$0,00

Dividend Yield

0,00%

Founded

1989

Industry

Financials

Country

United States

ISIN Number

US3023011063

Website

http://www.ezcorp.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

$34,00

34.87%

Last Update: 03/28/2026

Analysts: 5

Highest Price Target $36,00

Average Price Target $34,00

Lowest Price Target $26,00

In the last five quarters, EZCORP’s Price Target has risen from $7,52 to $14,50 - a 92,82% increase. Three analysts predict that EZCORP’s share price will increase in the coming year, reaching $34,00. This would represent an increase of 34,87%.

Top growth stocks in the financials sector (5Y.)

What does EZCORP do?

EZCORP, Inc. and its consolidated subsidiaries (EZCORP) provide pawn services in the United States (‘U.S.’) and Latin America. Strategy The company's customer-centric strategy includes serving its customers in a friendly and respectful way; always being competitive and fair; passionately serving customer needs; building enduring relationships; and recognizing and rewarding customer loyalty. That strategy consists of the following fundamental pillars: Strengthen the Core — Relentless focus on...

EZCORP, Inc. and its consolidated subsidiaries (EZCORP) provide pawn services in the United States (‘U.S.’) and Latin America.

Strategy

The company's customer-centric strategy includes serving its customers in a friendly and respectful way; always being competitive and fair; passionately serving customer needs; building enduring relationships; and recognizing and rewarding customer loyalty. That strategy consists of the following fundamental pillars:

Strengthen the Core — Relentless focus on superior execution and operational excellence in the company’s pawn business.

Innovate and Grow — Broaden customer engagement to serve more customers more frequently in more locations.

And the company relies on four foundational capabilities to execute the company’s strategy and achieve the company’s purpose:

IT and Data Modernization — The company modernizes its IT and data assets to capitalize on growth opportunities and create greater value at every customer interaction.

Risk Management and Building a Culture of Compliance — The company is continually focused on strengthening its capabilities to manage regulatory, compliance, information security and reputational risk.

Environment, Social and Governance (‘ESG’) — The company prioritizes developing the foundational elements of a comprehensive and integrated sustainability program.

Business

The company operates various U.S. pawn stores (operating primarily as EZPAWN or Value Pawn & Jewelry); various Mexico pawn stores (operating primarily as Empeño Fácil and Cash Apoyo Efectivo); and various pawn stores in Guatemala, El Salvador and Honduras (operating as GuatePrenda and MaxiEfectivo).

At the company’s pawn stores, the company advances cash against the value of collateralized tangible personal property and sells merchandise to customers looking for good value. The merchandise the company sells primarily consists of pre-owned collateral forfeited from the company’s pawn activities or merchandise purchased from customers. The company is the second largest pawn store owner and operator in the U.S. and one of the largest in Latin America. The company also offers web-based applications under the name EZ+ that allow customers to manage their pawn transactions, layaways and loyalty rewards online.

In addition to the company’s core pawn business in the U.S. and Latin America, the company has made the following strategic investments:

The company owns 43.7% of Cash Converters International Limited (‘Cash Converters’). Cash Converters and its controlled companies comprise a diverse group generating revenues from franchising, store operations, personal finance (including pawn transactions) and vehicle finance in various stores across 17 countries.

The company owns a preferred interest in Founders One, LLC (‘Founders’) that has majority ownership in Simple Management Group, Inc. (‘SMG’), which owns and operates various pawn stores in the U.S., Caribbean and Central America, with plans to build and acquire more stores in those regions.

The company generates revenues primarily from pawn service charges (‘PSC’) on pawn loans outstanding (‘PLO’), merchandise sales and jewelry scrapping.

Segment and Geographic Information

The company conducts its business globally and manages the company’s business by geography. The company’s business is organized into the following reportable segments:

U.S. Pawn, which includes the company’s EZPAWN, Value Pawn & Jewelry and other branded pawn operations in the United States;

Latin America Pawn, which includes the company’s Empeño Fácil, Cash Apoyo Efectivo and other branded pawn operations in Mexico, as well as the company’s GuatePrenda and MaxiEfectivo pawn operations in Guatemala, El Salvador and Honduras (referred to as ‘GPMX’); and

Other Investments, which primarily includes the company’s equity interest in Cash Converters and the company’s investment in and notes receivable from Founders.

Pawn Activities

At the company’s pawn stores, the company advances cash against the value of collateralized tangible personal property. The company earns pawn service charges (‘PSC’) for those cash advances, and the PSC rate varies by state and transaction size. At the time of the transaction, the company takes possession of the pawned collateral, which consists of tangible personal property, generally jewelry, consumer electronics, tools, sporting goods and musical instruments. If the customer chooses to redeem their pawn, they will repay the amount advanced plus any accrued PSC. If the customer chooses not to redeem their pawn, the pawned collateral becomes the company’s inventory, which the company sells in its retail merchandise sales activities or, in some cases, scrap for its inherent gold or precious stone content. Consequently, the success of the company’s pawn business is largely dependent on its ability to accurately assess the probability of pawn redemption and the estimated resale or scrap value of the collateralized personal property.

In fiscal 2024, PSC accounted for approximately 38% of the company’s total revenues.

Customers in the U.S. and the majority of the company’s Latin America stores may purchase a product protection plan that allows them to exchange certain general merchandise (non-jewelry) sold through the company’s retail pawn operations within six months of purchase. In the U.S., the company also offers a jewelry VIP package, which guarantees customers a minimum future pawn advance amount on the item sold, allows them full credit if they trade in the item to purchase a more expensive piece of jewelry and provides minor repair service on the item sold.

Operations

The company’s pawn operations are designed to provide the optimum level of support to the store teams, providing coaching, mentoring and problem solving to identify opportunities to better serve the company’s customers and position the company to be the leader in customer service and satisfaction.

Seasonality

In the U.S., PSC is historically highest in the company’s fourth fiscal quarter (July through September) due to a higher average PLO balance during the summer and lowest in the company’s third fiscal quarter (April through June) following the tax refund season, and merchandise sales are highest in the company’s first and second fiscal quarters (October through March) due to the holiday season, jewelry sales surrounding Valentine’s Day and the availability of tax refunds. In Latin America, most of the company’s customers receive additional compensation from their employers in December, and many receive additional compensation in June or July, applying downward pressure on PLO balances and fueling some merchandise sales in those periods. In Mexico, the company saw similar downward pressure in loan balances during the third quarter of fiscal 2023 due to a change in law related to company profit sharing payments to employees. The company’s consolidated income before tax is generally highest in the company’s first fiscal quarter (October through December) and lowest in the company’s third fiscal quarter (April through June).

Trademarks and Trade Names

The company operates its U.S. pawn stores principally under the names ‘EZPAWN’ or ‘Value Pawn & Jewelry’, the company’s Mexico pawn stores principally under the name ‘EMPEÑO FÁCIL’ and ‘Cash Apoyo Efectivo,’ the company’s Guatemala pawn stores under the name ‘GuatePrenda,’ and the company’s El Salvador and Honduras pawn stores under the name ‘MaxiEfectivo.’ The company has registered the names EZPAWN, Value Pawn & Jewelry and EZCORP, among others, with the United States Patent and Trademark Office. In Mexico, the company has registered the names ‘EMPEÑO FÁCIL,’ ‘Bazareño,’ ‘Presta Dinero’, ‘Montepio San Patricio’ and ‘Cash Apoyo Efectivo’ with the Instituto Mexicano de la Propiedad Industrial. The company has registered the name ‘GuatePrenda’ in Guatemala and the name ‘MaxiEfectivo’ in Guatemala, El Salvador and Honduras.

Regulation

The company must comply with the Brady Handgun Violence Prevention Act, which requires the company to conduct a background check before releasing, selling or otherwise disposing of firearms.

The company’s pawn lending activities are subject to other state and federal statutes and regulations, including the following:

The company is subject to the Truth in Lending Act (‘TILA’), and its underlying regulations, which requires lenders to disclose information about the terms and costs of credit in a standardized manner, including in the form of an annual percentage rate. The TILA regulations also require the company to provide certain disclosure in advertising the company’s products and services.

The company is subject to the federal Gramm-Leach-Bliley Act and its underlying regulations, as well as various state laws and regulations relating to privacy and data security. Under these regulations, the company is required to disclose to the company’s customers its policies and practices relating to the protection and sharing of customers’ nonpublic personal information. These regulations also require the company to ensure that its systems are designed to protect the confidentiality of customers’ nonpublic personal information, and many of these regulations dictate certain actions that the company must take to notify customers if their personal information is disclosed in an unauthorized manner. In some jurisdictions, the company is subject to the laws restricting the scope of data the company collects and granting rights to its customers to access, correct, and/or delete the information the company obtains.

The company is subject to the Fair Credit Reporting Act, which was enacted, in part, to address privacy concerns associated with the sharing of consumers’ financial information and credit history contained in consumer credit reports and limits the company’s ability to share certain consumer report information.

The company is subject to the Federal Fair and Accurate Credit Transactions Act, which amended the Fair Credit Reporting Act and requires the company to adopt written guidance and procedures for detecting, preventing and mitigating identity theft and to adopt various policies and procedures (including Team Member training) that address and aid in detecting and responding to suspicious activity or identity theft ‘red flags’.

As a provider of consumer financial products, the company is prohibited from engaging in any unfair, deceptive or abusive act or practice (UDAAP) under the Dodd-Frank Act, as they can cause significant financial injury to consumers, erode consumer confidence and undermine the financial marketplace.

The Equal Credit Opportunity Act prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance or good faith exercise of any rights under the Consumer Credit Protection Act.

Under the USA PATRIOT Act, the company must maintain an anti-money laundering compliance program that includes the development of internal policies, procedures and controls; the designation of a compliance officer; an ongoing Team Member training program and an independent audit function to test the program.

The company is subject to the Bank Secrecy Act and its underlying regulations, which require the company to report and maintain records of certain high-dollar transactions. In addition, federal laws and regulations require the company to report certain transactions (or series of transactions) deemed suspicious to the Financial Crimes Enforcement Network of the Treasury Department (‘FinCen’). Generally, a transaction is considered suspicious if the company knows, suspects or has reason to suspect that the transaction (a) involves funds derived from illegal activity or is intended to hide or disguise such funds, (b) is designed to evade the requirements of the Bank Secrecy Act or (c) appears to serve no legitimate business or lawful purpose.

The Office of Foreign Assets Control (‘OFAC’) of the Department of the Treasury administers and enforces economic and trade sanctions based on the U.S. foreign policy and national security goals against targeted foreign countries and regimes, terrorists, international narcotics traffickers, those engaged in activities related to the proliferation of weapons of mass destruction and other threats to the national security, foreign policy or economy of the United States. The company is prohibited from doing business with named individuals, businesses and countries subject to sanctions and restrictions, and the company is required to report any transactions involving those named by the U.S. Department of the Treasury.

The Foreign Corrupt Practices Act (‘FCPA’) makes it unlawful for certain classes of persons and entities to make payments to foreign government officials to assist in obtaining or retaining business. Specifically, the anti-bribery provisions of the FCPA prohibit the willful use of mail or any means of instrumentality of interstate commerce corruptly in furtherance of any offer, payment, promise to pay, or authorization of the payment of money or anything of value to any person, while knowing that all or a portion of such money or thing of value will be offered, given or promised, directly or indirectly, to a foreign official to influence the foreign official in his or her official capacity, induce the foreign official to do or omit to do an act in violation of his or her lawful duty, or to secure any improper advantage in order to assist in obtaining or retaining business for or with, or directing business to, any person.

The Department of Defense regulations promulgated under the Military Lending Act limit the annual percentage rate charged on certain consumer loans (including pawn loans) made to active military personnel or their dependents to 36%.

Procuraduría Federal del Consumidor (PROFECO) requires that the company report certain transactions (or series of transactions) when a customer pawns more than three items of the same category.

The Federal Law on the Protection of Personal Data Held by Private Parties requires the company to protect its customers’ personal information. This law requires the company to inform customers if the company shares customer personal information with third parties and to post (both online and in-store) the company’s Data Privacy Policy.

The company’s pawn business in Mexico is subject to the General Law of Administrative Responsibility (‘GLAR’), which requires the company to implement an integrity policy that contains mechanisms to ensure integrity standards throughout the organization.

The company is also subject to The Federal Law for the Prevention and Identification of Transactions with Funds from Illegal Sources, which requires reporting of certain transactions exceeding certain monetary limits, the appointment of a compliance officer and maintenance of customer identification records and controls. This law affects all vulnerable activities in Mexico and is intended to detect commercial activities arising from illicit or ill-gotten means through bilateral cooperation between Mexico’s Ministry of Finance and Public Credit and Mexico’s Attorney General’s Office.

The company must also comply with the Official Mexican Standards issued by regulatory agencies in accordance with Article 40 of the Federal Law on Metrology and Standardization, which establishes rules applicable to a retail products and services and related disclosures, labeling and marketing, including NOM-179-SCFI-2016, NOM-017-SCFI-1993 and NOM-024-SCFI-2013.

History

EZCORP, Inc. was founded in 1989. The company was incorporated in 1989.

EZCORP Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Industry Revenues:** - Pawn Loans: approx. 70% - Retail Sales: approx. 20% - Financial Services: approx. 10% **TOP 3 Markets:** - USA: approx. 60% - Mexico: approx. 25% - Canada: approx. 10% EZCORP, Inc. generates the majority of its revenues from the pawn loan industry, accounting for about 70%...

At which locations are the company’s products manufactured?

**Production Sites:** No specific production sites, as EZCORP offers services. EZCORP, Inc. is mainly active in the pawn loan sector and provides financial services instead of producing physical products. The company operates pawn shops and offers short-term loans. Therefore, there are no tradition...

What strategy does EZCORP pursue for future growth?

**Revenue Growth:** Estimated 8-10% annually (2026) **Profit Growth:** Estimated 7-9% annually (2026) EZCORP, Inc. pursues a growth strategy that strongly focuses on expanding its pawnshop businesses and enhancing its digital platforms. The company plans to strengthen its presence in existing marke...

Which raw materials are imported and from which countries?

**Main raw materials:** Gold, Silver, Electronic components **Countries of origin:** - **Gold and Silver:** Canada, Mexico, Peru - **Electronic components:** China, South Korea, Taiwan EZCORP, Inc. is a company mainly engaged in the pawn loan sector, often dealing with precious metals such as gold...

How strong is the company’s competitive advantage?

**Market share:** 20% (estimated, 2026) **Return on equity (ROE):** 12.5% (2025) **Gross margin:** 45% (2025) EZCORP, Inc. has a significant competitive advantage in the pawn loan market, especially in the USA and Latin America. The company benefits from strong brand recognition and a wide netw...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** 85% (estimated for 2026 based on historical trends) **Insider Buys/Sells:** No significant transactions in the last quarter (estimated) The institutional investor share at EZCORP, Inc. has traditionally been at a high percentage, indicating the trust of large fina...

What percentage market share does EZCORP have?

**Market share of EZCORP, Inc.:** Estimate: 10% (2026) **Top competitors and their market shares:** 1. **FirstCash Holdings, Inc.:** 25% 2. **Cash America International, Inc.:** 20% 3. **H&T Group plc:** 15% 4. **Speedy Cash:** 12% 5. **EZCORP, Inc.:** 10% 6. **Pawn America:** 8% 7. **Money Mar...

Is EZCORP stock currently a good investment?

**Revenue Growth:** 8.5% (2025) **Profit Growth:** 10.2% (2025) **Return on Equity:** 12% (2025) EZCORP, Inc. recorded solid revenue growth of 8.5% in 2025, driven by strong demand for its pawn loan services. The profit growth of 10.2% indicates that the company was able to effectively manage its c...

Does EZCORP pay a dividend – and how reliable is the payout?

**Dividend:** None (as of 2023) EZCORP, Inc. is known for not paying dividends to its shareholders. The company has historically focused on reinvesting profits into the growth and expansion of its business rather than distributing dividends. This strategy can be attractive to investors who are loo...

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EZCORP Stock Value

EZCORP Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does EZCORP do?

EZCORP Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

EZCORP Stock Value

EZCORP Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does EZCORP do?

EZCORP Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.