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EZCORP

NSQ:EZPW · US3023011063
Consumer FinanceLarge

360

83
Medium confidence — indicative
EV / EBIT60
Price / Owner Earnings24
Owner Earnings Yield23
Dividend Yield1
Price/Sales44
EV / Gross Profit87
Price/Book45
Returns on capital85
Profit margins24
Cash Conversion62
Accruals31
Owner Earnings Margin22
Sales growth96
Profit Growth46
Long-Term EPS Growth38
Owner Earnings Growth86
Reinvestment62
Price momentum100
Debt load79
Debt serviceability31
Liquidity81
Analyst ratings61
Opinion Changes50
Price Target Upside59
Market mood89
Value Creation16/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

EZCORP generates returns well above its cost of capital, the foundation of durable shareholder value.

Profile

CountryUSA
IndustryConsumer Finance
SizeLarge
TypePublic Company
ExchangeNASDAQGS
Founded1989
Employees962
Websiteezcorp.com
ISINUS3023011063
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
Consumer LendingFinance

Description

EZCORP, Inc. provides pawn services in the United States (‘U.S.’) and Latin America. The company’s customer-centric strategies are providing fast, easy, and simple access to cash; serving its customers in a friendly and respectful way; always being…

Analysis

Middle-of-the-road

EZCORP, Inc. is a middle-of-the-road business: neither the economics nor the price stand out from the peer group.

The price is attractive. You pay 13.6× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is solid and the balance sheet is adequate. The company scores 16/20 on our value-creation score: strong value creator.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
92
2023202420252026

All-time high

100

Jan 2025

All-time low

88

Jan 2023

Average rank

96

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
44
58
71
85
Price/Earnings
34
69
67
65
Price/Book
45
67
75
92
Dividend Yield
1
1
1
1
Value (overall)
22
57
64
40

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →