Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
EZPW
BUYEZCORP, Inc. · Financial Services · United States · $1.8B · Avg Vol: $33M/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% | 1.5B | 1.7B | 1.8B | 19.5% |
| EPS | 0.89 | 0.69 | 1.51 | 1.91 | 29.0% | 1.84 | 2.67 | 2.86 | 22.4% |
| Shares | 56.4M | 54.8M | 54.6M | 60.9M | +7.9% | 58.6M | — | — | — |
| Debt | 546.0M | 610.5M | 566.9M | 764.0M | 11.9% | 800.2M | — | — | — |
| Equity | 692.2M | 745.8M | 804.6M | 1.0B | 14.0% | — | — | — | — |
| Op CF | 66.5M | 101.8M | 113.6M | 149.0M | 30.8% | 173.7M | — | — | — |
| 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) | $1.8B | 67 | BUY |
| ATLC | Atlanticus Holdings Corporation | $1.5B | 67 | BUY |
| WU | The Western Union Company | $2.6B | 66 | BUY |
| AGM-A | Federal Agricultural Mortgage Corporation | $1.6B | 59 | HOLD |
| OPFI | OppFi Inc. | $1.3B | 78 | BUY |
| WRLD | World Acceptance Corporation | $950M | 59 | HOLD |
| JCAP | Jefferson Capital, Inc. | $1.2B | 81 | STRONG BUY |
| GDOT | Green Dot Corporation | $753M | 61 | HOLD |
| CACC | Credit Acceptance Corporation | $6.0B | 64 | HOLD |
| SEZL | Sezzle Inc. | $5.2B | 75 | BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%