Is EZCORP (EZPW) overvalued or fairly valued?

MarketChacha shows EZCORP's valuation in context — a trailing P/E of about 17.7, a forward P/E of about 15.1, a price-to-book of about 1.8 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does EZCORP's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.58×) from reported figures — education, not a rating.

What is EZCORP's revenue?

EZCORP reported revenue of $1.3B for FY2025, with net profit of $109.6M, per official filings.

What is the share price of EZCORP (EZPW)?

EZCORP last traded at $32.42 (-0.3% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

EZCORP

EZPW · NYSE · Financials · United States

$32.42-0.3%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 7:31 PM

Snapshot

TickerEZPW

ExchangeNYSE

SectorFinancials

IndustryCredit Services

CountryUnited States

Employees8,500

HeadquartersAustin, United States

Market cap$2.0B

P/E (TTM)17.7

P/B1.8

Volume375.58K

Websitewww.ezcorp.com

Filings tracked4

About EZCORP

EZCORP, Inc. provides pawn services in the United States, Mexico, and Latin America. It operates through U.S. Pawn, Latin America Pawn, and Other Investments segments. The company retails merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. It also provides pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. In addition, the company offers EZ+, a web-based application that allow customers to manage their pawn transactions, layaways, and loyalty rewards online. Further, the company operates under the EZPAWN, Value Pawn & Jewelry, Empeño Fácil, Cash Apoyo Efectivo, GuatePrenda, and MaxiEfectivo brands. EZCORP, Inc. was incorporated in 1989 and is headquartered in Austin, Texas.

Profile as reported by Yahoo Finance.

Who owns it

Insiders4.5%
Institutions95.5%
Public & other0.0%

396 institutional holders

As reported by Yahoo Finance.

Top holders

Blackrock Inc.12.03%
FMR, LLC11.51%
Capital Research Global Investors6.00%
Dimensional Fund Advisors LP5.85%
Two Sigma Investments, LP4.31%
Vanguard Capital Management LLC4.20%
Renaissance Technologies, LLC3.68%
UBS Group AG3.26%

Largest institutional holders, as reported by Yahoo Finance (as of 3/31/2026).

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.58×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend3.7% → 8.6%

Margin has expanded by about 4.9 points — the business is getting more profitable.

Growth qualityrev 10% · PAT 69%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $441.2M · EPS 0.45

Est. earnings growth +33.5%

Next fiscal year

Rev $1.8B · EPS 2.14

Est. earnings growth +7.4%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

$13.0852-wk range$37.13

Delayed · as reported by Yahoo Finance

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Market cap

$2.0B

Day change

-0.3%

P/E (TTM)

17.7

Fwd P/E

15.1

P/B

1.8

Beta

0.64

Revenue (FY2025)

$1.3B

Net margin

8.6%

ROE

10.7%

Revenue CAGR (2y)

+10.2%

Profit CAGR (2y)

+68.8%

EPS (FY2025)

1.42

Net profit (FY2025)

$109.6M

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

Ask MarketChacha about EZPW

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$1.3B	$109.6M	1.42	8.6%	10.7%
FY2024	$1.2B	$83.1M	1.10	7.2%	10.3%
FY2023	$1.0B	$38.5M	0.53	3.7%	5.2%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q1	$446.9M	$49.1M	0.61	11.0%
2025Q4	$382.0M	$44.3M	0.55	11.6%
2025Q2	$311.0M	$26.5M	0.34	8.5%
2025Q1	$306.3M	$25.4M	0.33	8.3%
2024Q4	$320.2M	$31.0M	0.40	9.7%
2024Q2	$281.4M	$17.9M	0.25	6.4%
2024Q1	$285.6M	$21.5M	0.29	7.5%
2023Q4	$300.0M	$28.5M	0.36	9.5%
2023Q2	$255.8M	$18.2M	0.24	7.1%
2023Q1	$258.4M	$-6.8M	-0.12	-2.6%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Other events, Exhibits
SEC5/18/2026material
10-Q filing
SEC5/6/2026
8-K — Results of operations, Reg FD disclosure, Exhibits
SEC5/6/2026material
8-K — Shareholder vote results, Reg FD disclosure
SEC3/27/2026material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.