📊 EZPW Key Takeaways
Is EZPW a Good Investment? Thesis Analysis
EZPW demonstrates solid operational performance with 9.7% revenue growth and healthy profitability margins (11.6% net margin), supported by strong liquidity and conservative leverage. The company generates consistent free cash flow of $31.7M, though modest ROE/ROA metrics and flat net income growth warrant cautious optimization of capital returns.
Why Buy EZPW? Key Strengths
- Strong revenue growth of 9.7% YoY demonstrates market demand and business expansion
- Excellent liquidity position with 6.03x current ratio and $465.9M cash provides financial flexibility
- Healthy profitability margins with 58.4% gross margin and 11.6% net margin indicate operational efficiency
- Conservative leverage at 0.48x debt-to-equity with 5.8x interest coverage shows manageable debt structure
- Positive free cash flow generation of $31.7M demonstrates cash-generative business model
EZPW Investment Risks to Consider
- Weak return on equity (4.1%) and return on assets (2.2%) suggest inefficient capital deployment relative to asset base
- Flat net income growth despite 9.7% revenue growth indicates margin compression or operational headwinds
- High cash position relative to debt may suggest underutilization of capital or lack of high-return investment opportunities
- Operating cash flow of $39.1M barely exceeds free cash flow, leaving minimal buffer for working capital volatility
- Retail-miscellaneous sector exposure creates cyclicality risk and competitive pressure
Key Metrics to Watch
- Net income growth trajectory and margin sustainability
- Return on equity improvement and capital efficiency initiatives
- Operating cash flow consistency and free cash flow conversion
- Debt reduction pace and capital allocation strategy
- Same-store sales growth and comparable metrics in retail operations
EZPW Financial Metrics
💡 AI Analyst Insight
Strong liquidity with a 6.03x current ratio provides a solid financial cushion.
EZPW Profitability Ratios
EZPW vs Consumer Sector
How EZCORP INC compares to Consumer sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is EZPW Overvalued or Undervalued?
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.
EZPW Balance Sheet & Liquidity
EZPW 5-Year Financial Trend & Growth Analysis
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 Growth Metrics (YoY)
EZPW Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| 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 |
| Q3 2023 | $215.8M | $12.2M | $0.17 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
EZPW Capital Allocation
EZPW SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for EZCORP INC (CIK: 0000876523)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Mar 2, 2026 | 4 | xslF345X05/wk-form4_1772486135.xml | View → |
| Feb 25, 2026 | 4 | xslF345X05/wk-form4_1772029246.xml | View → |
| Feb 20, 2026 | 4 | xslF345X05/wk-form4_1771617766.xml | View → |
| Feb 18, 2026 | 4 | xslF345X05/wk-form4_1771445696.xml | View → |
| Feb 18, 2026 | 4 | xslF345X05/wk-form4_1771445174.xml | View → |
❓ Frequently Asked Questions about EZPW
What is the AI rating for EZPW?
EZCORP INC (EZPW) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are EZPW's key strengths?
Claude: Strong revenue growth of 9.7% YoY demonstrates market demand and business expansion. Excellent liquidity position with 6.03x current ratio and $465.9M cash provides financial flexibility.
What are the risks of investing in EZPW?
Claude: Weak return on equity (4.1%) and return on assets (2.2%) suggest inefficient capital deployment relative to asset base. Flat net income growth despite 9.7% revenue growth indicates margin compression or operational headwinds.
What is EZPW's revenue and growth?
EZCORP INC reported revenue of $382.0M.
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 $0.55.
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 March 2026, EZCORP INC has a BUY rating with 72% 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 4.1% (sector avg: 18%), net margin of 11.6% (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 $39.1M, with capital expenditures of $7.5M. FCF margin is 8.3%.
How does EZPW compare to other Consumer stocks?
Vs Consumer sector averages: Net margin 11.6% (avg: 8%), ROE 4.1% (avg: 18%), current ratio 6.03 (avg: 1.5).