EZCORP, Inc.

  • Market Cap: Small Cap
  • Industry: Finance
  • ISIN: US3023011063
USD
20.01
-0.11 (-0.55%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

289.73 k

Shareholding (Mar 2025)

FII

12.56%

Held by 92 FIIs

DII

34.59%

Held by 61 DIIs

Promoter

0.00%

How big is EZCORP, Inc.?

22-Jun-2025

As of Jun 18, EZCORP, Inc. has a market capitalization of 731.68 million, with net sales of 1,202.46 million and a net profit of 89.56 million over the latest four quarters. The company reported shareholder's funds of 804.57 million and total assets of 1,493.24 million as of Sep 24.

Market Cap: As of Jun 18, EZCORP, Inc. has a market capitalization of 731.68 million, categorizing it as a Micro Cap company.<BR><BR>Recent Quarterly Performance: For the latest four quarters, EZCORP, Inc. reported net sales of 1,202.46 million and a net profit of 89.56 million.<BR><BR>Balance Sheet Snapshot: As of Sep 24, the company reported shareholder's funds of 804.57 million and total assets of 1,493.24 million.

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What does EZCORP, Inc. do?

22-Jun-2025

EZCORP, Inc. offers pawn loans in the U.S. and Mexico, along with consumer loans in Mexico, operating as a micro-cap finance company. As of March 2025, it reported net sales of $306 million and a net profit of $25 million.

Overview:<BR>EZCORP, Inc. provides pawn loans in the United States and Mexico, as well as consumer loans in Mexico, operating within the finance industry and classified as a micro-cap company.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 306 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 25 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 731.68 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 8.00 <BR>Dividend Yield: 0.00% <BR>Debt Equity: -999,999.00 <BR>Return on Equity: 10.57% <BR>Price to Book: 0.86<BR><BR>Contact Details:<BR>Address: Building 1, 2500 Bee Caves Rd Ste 200, AUSTIN TX : 78746-5869 <BR>Tel: 1 512 3143444 <BR>Website: https://www.ezcorp.com/

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Should I buy, sell or hold EZCORP, Inc.?

22-Jun-2025

Who are in the management team of EZCORP, Inc.?

22-Jun-2025

As of March 2022, the management team of EZCORP, Inc. includes Executive Chairman Phillip Cohen, President and CEO Jason Kulas, Lead Independent Director Matthew Appel, and several Independent Directors.

As of March 2022, the management team of EZCORP, Inc. includes the following individuals:<BR><BR>- Mr. Phillip Cohen, who serves as the Executive Chairman of the Board.<BR>- Mr. Jason Kulas, who is the President, Chief Executive Officer, and a Director.<BR>- Mr. Matthew Appel, who holds the position of Lead Independent Director.<BR>- Mr. Hugo Dooner, who is a Director.<BR>- Ms. Zena Arnold, who serves as an Independent Director.<BR>- Ms. Shelaghmichael Brown, who is also an Independent Director.<BR>- Mr. Pablo Lagos Espinosa, who serves as an Independent Director.<BR><BR>In summary, as of March 2022, the management team of EZCORP, Inc. consists of an Executive Chairman, a President and CEO, a Lead Independent Director, and several Independent Directors.

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Is EZCORP, Inc. technically bullish or bearish?

05-Nov-2025

As of October 31, 2025, EZCORP, Inc. is in a bullish trend supported by positive MACD and moving averages, despite some mixed signals from Dow Theory and recent price declines, while significantly outperforming the S&P 500 year-to-date.

As of 31 October 2025, the technical trend for EZCORP, Inc. has changed from mildly bullish to bullish. The weekly and monthly MACD indicators are bullish, supporting the positive trend. Daily moving averages also indicate a bullish stance. However, the weekly Dow Theory shows a mildly bearish signal, which suggests some caution. The Bollinger Bands are mildly bullish on both weekly and monthly time frames. <BR><BR>Despite a recent decline in price, EZCORP has shown strong multi-period returns, outperforming the S&P 500 significantly with a year-to-date return of 44.68% compared to 16.30% for the index, and a one-year return of 52.94% against 19.89%. Overall, the current technical stance is bullish, but with some mixed signals indicating a need for careful monitoring.

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Is EZCORP, Inc. overvalued or undervalued?

11-Nov-2025

As of November 7, 2025, EZCORP, Inc. is considered undervalued with an attractive valuation grade, supported by a low P/E ratio of 8, strong stock performance with a year-to-date return of 45.99%, and significant outperformance compared to the S&P 500.

As of 7 November 2025, the valuation grade for EZCORP, Inc. has moved from fair to attractive, indicating a positive shift in its perceived value. The company appears to be undervalued, supported by a P/E ratio of 8, a Price to Book Value of 0.86, and an EV to EBITDA of 5.66. In comparison to peers, EZCORP's P/E ratio is significantly lower than U-Haul Holding Co. at 45.54 and Federal Agricultural Mortgage Corp. at 10.26, highlighting its relative attractiveness in the market.<BR><BR>Additionally, EZCORP has demonstrated strong performance with a year-to-date return of 45.99%, significantly outperforming the S&P 500's return of 14.40% over the same period. This trend continues over longer time frames, with a 5-year return of 247.08% compared to the S&P 500's 91.73%. Overall, the combination of favorable valuation ratios and strong stock performance suggests that EZCORP, Inc. is currently undervalued.

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iScoreScore
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Strong Sell
Sell
Hold
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Strong Buy

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Dashboard
1

Strong ability to service debt as the company has a low Debt to EBITDA ratio of 0.85 times

 
2

Low Debt Company with Strong Long Term Fundamental Strength

 
3

The company has declared Positive results for the last 6 consecutive quarters

4

With ROE of 10.57%, it has a attractive valuation with a 0.86 Price to Book Value

5

High Institutional Holdings at 100%

6

Market Beating performance in long term as well as near term

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Finance

stock-summary
Market cap

USD 1,040 Million (Small Cap)

stock-summary
P/E

8.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

-999,999.00

stock-summary
Return on Equity

9.96%

stock-summary
Price to Book

1.05

Revenue and Profits:
Net Sales:
311 Million
(Quarterly Results - Jun 2025)
Net Profit:
27 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
20.11%
0%
20.11%
6 Months
50.34%
0%
50.34%
1 Year
59.19%
0%
59.19%
2 Years
138.78%
0%
138.78%
3 Years
96.76%
0%
96.76%
4 Years
181.04%
0%
181.04%
5 Years
271.93%
0%
271.93%

EZCORP, Inc. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
7.20%
EBIT Growth (5y)
40.73%
EBIT to Interest (avg)
5.89
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
28.39%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
7.94%
ROE (avg)
6.03%
Valuation key factors
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
0.86
EV to EBIT
7.13
EV to EBITDA
5.66
EV to Capital Employed
0.88
EV to Sales
0.74
PEG Ratio
0.77
Dividend Yield
NA
ROCE (Latest)
12.33%
ROE (Latest)
10.57%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 54 Schemes (52.77%)

Foreign Institutions

Held by 92 Foreign Institutions (12.56%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Jun'25 - YoY",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in quarter ended Jun 2025 is 10.52% vs 10.01% in Jun 2024",
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      },
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        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in quarter ended Jun 2025 is 48.04% vs -1.65% in Jun 2024",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Jun'25",
        "Jun'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "311.00",
          "val2": "281.40",
          "chgp": "10.52%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "42.70",
          "val2": "30.30",
          "chgp": "40.92%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "8.50",
          "val2": "3.50",
          "chgp": "142.86%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "26.50",
          "val2": "17.90",
          "chgp": "48.04%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "111.70%",
          "val2": "78.80%",
          "chgp": "3.29%",
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        "Sep'24",
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          "val2": "1,049.00",
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          "field": "Operating Profit (PBDIT) excl Other Income",
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          "field": "Interest",
          "val1": "13.60",
          "val2": "16.50",
          "chgp": "-17.58%",
          "chgp_class": "positive"
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        {
          "field": "Exceptional Items",
          "val1": "-0.80",
          "val2": "-4.30",
          "chgp": "81.40%",
          "chgp_class": "positive"
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          "field": "Consolidate Net Profit",
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          "val2": "38.50",
          "chgp": "115.84%",
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          "field": "Operating Profit Margin (Excl OI)",
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Quarterly Results Snapshot (Consolidated) - Jun'25 - YoYstock-summary
Jun'25
Jun'24
Change(%)
Net Sales
311.00
281.40
10.52%
Operating Profit (PBDIT) excl Other Income
42.70
30.30
40.92%
Interest
8.50
3.50
142.86%
Exceptional Items
0.00
0.00
Consolidate Net Profit
26.50
17.90
48.04%
Operating Profit Margin (Excl OI)
111.70%
78.80%
3.29%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in quarter ended Jun 2025 is 10.52% vs 10.01% in Jun 2024

Direction Arrows
Consolidated Net Profit

YoY Growth in quarter ended Jun 2025 is 48.04% vs -1.65% in Jun 2024

Annual Results Snapshot (Consolidated) - Sep'24stock-summary
Sep'24
Sep'23
Change(%)
Net Sales
1,161.60
1,049.00
10.73%
Operating Profit (PBDIT) excl Other Income
145.70
123.70
17.78%
Interest
13.60
16.50
-17.58%
Exceptional Items
-0.80
-4.30
81.40%
Consolidate Net Profit
83.10
38.50
115.84%
Operating Profit Margin (Excl OI)
96.90%
87.30%
0.96%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in year ended Sep 2024 is 10.73% vs 18.37% in Sep 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Sep 2024 is 115.84% vs -23.31% in Sep 2023

stock-summaryCompany CV
About EZCORP, Inc. stock-summary
stock-summary
EZCORP, Inc.
Finance
EZCORP, Inc. provides pawn loans in the United States and Mexico, and consumer loans in Mexico. The Company operates through three segments: U.S. Pawn, which includes its EZPAWN, Value Pawn & Jewelry and other branded pawn operations in the United States; Mexico Pawn, which includes its Empeno Facil pawn operations and cash converters buy/sell store operations in Mexico, and Other International, which includes its CASHMAX financial services operations in Canada and its equity interest in Cash Converters International. It offers pawn loans, which are non-recourse loans, collateralized by tangible property, and it sells merchandise, primarily collateral forfeited from pawn lending operations and used merchandise purchased from customers at its pawn stores. The Company operates 21 pawn stores in the Mexican state of Sinaloa under the brand name Bazareno.
Company Coordinates stock-summary
Company Details
Building 1, 2500 Bee Caves Rd Ste 200 , AUSTIN TX : 78746-5869
stock-summary
Tel: 1 512 3143444
stock-summary
Registrar Details