Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
EZPW
BuyPremium GrowerEZCORP, Inc. · Financial Services · United States · $2.0B · Avg Vol: $35M/d
COMPANY DESCRIPTION
EZCORP, Inc. is a leading provider of pawn loans and various financial services, operating pawn stores under brands like EZPAWN and Value Pawn across the Americas. It benefits from a large and established retail network, offering accessible credit solutions to underserved consumers. The company's operational scale and experience in the pawn industry provide a competitive advantage, generating revenue from interest, fees, and the sale of forfeited merchandise.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 886.2M | 1.0B | 1.2B | 1.3B | 12.9% | 1.6B | 1.7B | 1.8B | 19.7% |
| EPS | 0.89 | 0.69 | 1.51 | 1.91 | 29.0% | 1.99 | 2.72 | 2.92 | 23.6% |
| Shares | 56.4M | 54.8M | 54.6M | 60.9M | +7.9% | 58.5M | — | — | — |
| Debt | 546.0M | 610.5M | 566.9M | 764.0M | 11.9% | 811.9M | — | — | — |
| Equity | 692.2M | 745.8M | 804.6M | 1.0B | 14.0% | — | — | — | — |
| Op CF | 66.5M | 101.8M | 113.6M | 149.0M | 30.8% | 181.6M | — | — | — |
| Inv CF | -113.3M | -110.9M | -111.9M | -117.9M | — | — | — | — | — |
| Fin CF | -2.8M | 23.7M | -50.2M | 274.4M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of EZPW are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| EZPW | EZCORP, Inc.(you) | $2.0B | 77 | Buy |
| ECPG | Encore Capital Group, Inc. | $2.1B | 84 | Strong Buy |
| ATLC | Atlanticus Holdings Corporation | $1.4B | 78 | Buy |
| SEZL | Sezzle Inc. | $4.2B | 80 | Buy |
| JCAP | Jefferson Capital, Inc. | $1.2B | 86 | Strong Buy |
| BFH | Bread Financial Holdings, Inc. | $4.1B | 69 | Buy |
| WU | The Western Union Company | $2.3B | 54 | Hold |
| CACC | Credit Acceptance Corporation | $6.2B | 72 | Buy |
| WRLD | World Acceptance Corporation | $878M | 62 | Hold |
| AGM-A | Federal Agricultural Mortgage Corporation | $1.7B | 44 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%