📊 EZPW Key Takeaways
Is Ezcorp Inc. (EZPW) a Good Investment?
EZCORP demonstrates strong operational fundamentals with robust 9.7% revenue growth and exceptional 58.3% gross margins, supported by a fortress balance sheet with 4.71x current ratio and conservative 0.46x leverage. However, flat net income year-over-year despite revenue growth signals potential margin compression or expense acceleration that requires monitoring to validate profit sustainability.
EZCORP shows solid core fundamentals, with healthy revenue growth, strong gross and operating margins, and robust liquidity that supports financial flexibility. Growth quality is mixed because net income was flat despite higher revenue, but diluted EPS improved materially and free cash flow remained positive. Overall, the business appears fundamentally sound, with good profitability and balance sheet strength offset by modest returns on capital and some leverage-related risk.
Why Buy Ezcorp Inc. Stock? EZPW Key Strengths
- Strong revenue growth of 9.7% YoY with exceptional gross margin of 58.3%
- Fortress balance sheet: 4.71x current ratio, 0.46x debt-to-equity, 12.4x interest coverage
- Robust free cash flow of $69.7M (8.4% FCF margin) with $354.2M cash reserves
- Efficient capital allocation: 29.1% EPS growth despite flat net income indicates effective buyback execution
- Low capital intensity: $17.9M capex on $828.9M revenue demonstrates asset-light model
- Strong profitability profile with 58.4% gross margin, 15.9% operating margin, and 11.6% net margin
- Excellent liquidity, including $465.91M of cash and strong current and quick ratios
- Positive growth and cash generation, with revenue up 9.7% YoY and free cash flow of $31.69M
EZPW Stock Risks: Ezcorp Inc. Investment Risks
- Net income growth stalled at 0.0% YoY despite 9.7% revenue growth indicates margin compression or rising expenses outpacing revenue
- Modest returns on equity (8.3%) and assets (4.4%) relative to balance sheet strength and profitability margins
- Retail sector cyclicality: pawn/miscellaneous retail highly sensitive to consumer spending and economic downturns
- Long-term debt of $519.0M represents material fixed obligations despite healthy leverage ratios
- Net income was flat year over year, suggesting limited earnings conversion from revenue growth
- ROE of 4.1% and ROA of 2.2% indicate relatively weak capital efficiency
- Long-term debt of $518.55M and interest coverage of 5.8x leave some sensitivity to financing costs and operating pressure
Key Metrics to Watch
- Gross margin and operating margin trends - confirm whether compression is temporary or structural
- Net income growth acceleration - must return to positive growth to justify the business model
- Return on equity trajectory - should improve as revenue growth translates to profitability expansion
- Net income and operating cash flow conversion relative to revenue growth
- ROE, interest coverage, and debt levels over the next few reporting periods
Ezcorp Inc. (EZPW) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Strong liquidity with a 4.71x current ratio provides a solid financial cushion.
EZPW Profit Margin, ROE & Profitability Analysis
EZPW vs Consumer Sector: How Ezcorp Inc. Compares
How Ezcorp Inc. compares to Consumer sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Ezcorp Inc. Stock Overvalued? EZPW Valuation Analysis 2026
Based on fundamental analysis, Ezcorp Inc. has mixed fundamental signals relative to the Consumer sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Ezcorp Inc. Balance Sheet: EZPW Debt, Cash & Liquidity
EZPW Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Ezcorp Inc.'s revenue has grown significantly by 50% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.53 reflects profitable operations.
EZPW Revenue Growth, EPS Growth & YoY Performance
EZPW Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $306.3M | $25.4M | $0.33 |
| Q1 2026 | $320.2M | $31.0M | $0.40 |
| Q3 2025 | $281.4M | $18.0M | $0.25 |
| Q2 2025 | $285.6M | $21.5M | $0.29 |
| Q1 2025 | $300.0M | $28.5M | $0.36 |
| Q3 2024 | $255.8M | -$6.8M | $0.24 |
| Q2 2024 | $258.4M | -$6.8M | $0.11 |
| Q1 2024 | $264.3M | $16.8M | $0.25 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Ezcorp Inc. Dividends, Buybacks & Capital Allocation
EZPW SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Ezcorp Inc. (CIK: 0000876523)
📋 Recent SEC Filings
❓ Frequently Asked Questions about EZPW
What is the AI rating for EZPW?
Ezcorp Inc. (EZPW) has a Combined AI Rating of BUY from Claude (BUY) and ChatGPT (BUY) with 73% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are EZPW's key strengths?
Claude: Strong revenue growth of 9.7% YoY with exceptional gross margin of 58.3%. Fortress balance sheet: 4.71x current ratio, 0.46x debt-to-equity, 12.4x interest coverage. ChatGPT: Strong profitability profile with 58.4% gross margin, 15.9% operating margin, and 11.6% net margin. Excellent liquidity, including $465.91M of cash and strong current and quick ratios.
What are the risks of investing in EZPW?
Claude: Net income growth stalled at 0.0% YoY despite 9.7% revenue growth indicates margin compression or rising expenses outpacing revenue. Modest returns on equity (8.3%) and assets (4.4%) relative to balance sheet strength and profitability margins. ChatGPT: Net income was flat year over year, suggesting limited earnings conversion from revenue growth. ROE of 4.1% and ROA of 2.2% indicate relatively weak capital efficiency.
What is EZPW's revenue and growth?
Ezcorp Inc. reported revenue of $828.9M.
Does EZPW pay dividends?
Ezcorp Inc. does not currently pay dividends.
Where can I find EZPW SEC filings?
Official SEC filings for Ezcorp Inc. (CIK: 0000876523) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is EZPW's EPS?
Ezcorp Inc. has a diluted EPS of $1.17.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is EZPW a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, Ezcorp Inc. has a BUY rating with 73% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is EZPW stock overvalued or undervalued?
Valuation metrics for EZPW: ROE of 8.3% (sector avg: 18%), net margin of 11.3% (sector avg: 8%). Compare these metrics with sector averages to assess valuation.
Should I buy EZPW stock in 2026?
Our dual AI analysis gives Ezcorp Inc. a combined BUY rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is EZPW's free cash flow?
Ezcorp Inc.'s operating cash flow is $87.6M, with capital expenditures of $17.9M. FCF margin is 8.4%.
How does EZPW compare to other Consumer stocks?
Vs Consumer sector averages: Net margin 11.3% (avg: 8%), ROE 8.3% (avg: 18%), current ratio 4.71 (avg: 1.5).