EZCORP INC · Miscellaneous Retail

EZPW

Low riskNext report: Around Nov 12 (est.)

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The short version

A profitable company with growing sales.

Going well

Sales up 35% in the latest quarter vs a year ago
Profitable
Brings in more cash than it spends

Money moves

No insider buying or selling in the last 30 days
Institutions added 0.7% to their holdings in the quarter ending June 2026 (138 bought, 152 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$28.76+0.2% that day

Company value: $2.4B; Share price times all shares
Price vs profit (P/E): 14.5x; You pay about $15 for each $1 of yearly profit
Price vs sales: 1.5x; Company value is 1.5 times a year of sales
Cash vs value: 13%; Cash as a share of company value
Debt vs value: 22%; Debt as a share of company value

From EZPW's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$418.7M+35% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $1.6B, up 29% from the 12 months before. Over 5 years, sales grew about 9.1% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of EZPW. Starting points are the company's recent numbers.

Sales growth+29% a yearRecently: +29% a yearProfit margin10%Last 12 months: 10.0%P/E at the end15xToday: 14.5x. Many steady companies trade at 12x to 25xShare count change0% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$5.7B

Profit in 5 years$566M

Price these guesses point to$101.85+254% vs $28.76 todayAbout +29% a year, before dividends

What today's price needs: with a 10% margin and a 15x P/E, sales would have to grow about 0.2% a year for 5 years just to match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

2/7Weak

MissReturn on equity 15%+Earns a lot on the money owners have in the business.12.0%
MissDebt under half of equityNot relying on borrowed money.0.51x equity
MissNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.8.6%
MissProfitable every yearSteady profits, not one good year.8 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$149.0M
MissShare count not growingNot diluting owners. Falling means buybacks.+1.2% in 3 years
PassGross margin 40%+Pricing power: sells for well above what it costs to make.58.5%

Revenue: $1.3B; +9.7% vs prior year
5-year growth: +9.1%/yr; revenue, per year
Total debt: $518.6M; 0.51x equity
Current ratio: 6.03x; short-term assets / bills due

From annual reports filed with the SEC. A checklist is a starting point for research, not a verdict.