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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| EZPW | +50.9% | +256.25% | +28.93% | +411% |
| S&P | +14.5% | +93.32% | +14.09% | +1,604% |
EZCORP, Inc. engages in the provision of pawn loans in the United States and Latin America. The firm's geographical segments include U.S. Pawn, Latin America Pawn, and Other Investments. The U.S. Pawn segment includes EZPAWN, Value Pawn and Jewelry, and other branded pawn operations in the United States. The Latin America Pawn segment includes Empeño Fácil, Cash Apoyo Efectivo, and other branded pawn operations in Mexico, as well as GuatePrenda and MaxiEfectivo pawn operations in Guatemala, El Salvador, and Honduras. The Other Investments segment includes the equity interest in cash converters and investments in RDC and SMG. The company was founded in 1989 and is headquartered in Rollingwood, TX.
An effort to clear out inventory took its toll on earnings at the pawn shop operator.
The company, under pressure from shareholders over its corporate governance, announces a stock buyback.
| Q2 2025 | YOY Change | |
|---|---|---|
| Revenue | $310.98M | 10.5% |
| Gross Profit | $175.64M | 10.8% |
| Gross Margin | 56.48% | 0.1% |
| Market Cap | $763.59M | 32.7% |
| Market Cap / Employee | $0.10M | 0.0% |
| Employees | 8K | 0.0% |
| Net Income | $26.50M | 47.6% |
| EBITDA | $42.74M | 40.9% |
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| Q2 2025 | YOY Change | |
|---|---|---|
| Net Cash | $481.70M | 112.0% |
| Accounts Receivable | $355.06M | 17.4% |
| Inventory | 225.5 | 31.1% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $702.59M | 70.1% |
| Short Term Debt | $60.84M | -69.0% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 5.78% | 0.5% |
| Return On Invested Capital | 1.69% | 1.3% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $27.43M | -15.1% |
| Operating Free Cash Flow | $36.51M | 2.8% |
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 10.16 | 10.94 | 12.98 | 11.26 | 11.52% |
| Price to Book | 0.76 | 0.83 | 0.98 | 0.90 | 24.58% |
| Price to Sales | 0.81 | 0.86 | 1.02 | 0.93 | 22.27% |
| Price to Tangible Book Value | 1.39 | 1.52 | 1.75 | 1.56 | 15.95% |
| Price to Free Cash Flow TTM | 11.51 | 11.62 | 11.37 | 11.20 | -2.88% |
| Enterprise Value to EBITDA | 37.70 | 27.92 | 37.19 | 33.52 | -18.72% |
| Free Cash Flow Yield | 8.7% | 8.6% | 8.8% | 8.9% | 2.96% |
| Return on Equity | 10.7% | 10.7% | 10.8% | 11.0% | 7.94% |
| Total Debt | $566.94M | $569.30M | $863.63M | $763.43M | 25.31% |
EZPW earnings call for the period ending September 30, 2021.
EZPW earnings call for the period ending June 30, 2021.
EZPW earnings call for the period ending March 31, 2021.
EZPW earnings call for the period ending March 31, 2020.
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