EZCorp Business Profile and Consumer Lending

EZCorp is a company that offers consumer lending services through its EZMoney and EZPayday loan products. Founded in 1994, EZCorp has been providing financial services to individuals in need of short-term cash.

EZCorp's business model focuses on providing quick and easy access to cash, often serving customers who may not have traditional bank accounts or credit. This model has allowed the company to establish a strong presence in the consumer lending market.

EZCorp operates over 1,000 locations across the United States and Mexico, making it a significant player in the industry. Its widespread presence has enabled the company to reach a large customer base.

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EZCorp's financials are a mixed bag, with some promising signs and others that raise concerns. Net sales have been steadily increasing, reaching $1.94B in 2025 and projected to hit $2.08B in 2026.

The company's net income has also been on the rise, with a net income of $168M in 2025 and a projected $178M in 2026. However, the net debt has increased significantly, reaching $3.51B in 2025 and projected to reach $8.05B in 2026.

EZCorp's financial estimates for 2026 show a projected net income of $1.09B, with an average estimate of $1.448 USD among 6 analysts. The company's revenue is also projected to increase, reaching $1.354B in 2026.

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Net sales for EZCORP are expected to reach 1.94B in 2025, according to the financials section. This is a significant increase from the previous year.

The net income for EZCORP is projected to be 168M in 2025, which is a notable improvement from the previous year's net income of 109M. This growth in net income is likely to have a positive impact on the company's financials.

Here's a breakdown of EZCORP's estimated revenue and net income for the next few years:

The company's net debt is also expected to increase in the coming years, reaching 3.51B by 2025. This could potentially impact the company's financial flexibility and ability to take on new debt.

EZCORP's research and development expenses are not disclosed in the financials section. However, the company's capital expenditure is expected to increase in the coming years, reaching 64 in 2029.

The company's shareholder's equity is expected to increase in the coming years, reaching 1,811 in 2029. This could potentially lead to an increase in the company's market value.

The average estimate for EZCORP's revenue in 2026 is 348 USD, according to the earnings estimates section. This is a significant increase from the previous year's revenue of 324 USD.

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The price performance of a stock can be a great indicator of its overall health. In the past year, this stock has seen a significant increase in value.

Looking at the 52-week period, we can see that the stock's price has risen from a low of $11.09 to a high of $19.44, resulting in a performance of +6.74 (+59.02%) since October 24, 24.

This is a substantial gain, and it's worth noting that the stock has been trending upward over the past few months. In the 3-month period, the stock's price has increased by +4.66 (+34.52%) since July 24, 25.

The stock's price has also been volatile in the short-term, with a 1-month period low of $17.32 and a high of $19.44. This volatility can be a concern for some investors, but it's also a sign that the stock is actively being traded.

Here's a breakdown of the stock's performance over the past few months:

Overall, the stock's price performance has been strong, with significant gains in the past year.

EZCorp has had its fair share of analyst opinions, with Capital Depesche maintaining a Buy rating since 2025.

In May 2025, Capital Depesche maintained a Buy rating with a price target of $27.

Capital Depesche has consistently maintained a Buy rating for EZCorp, with a price target of $25 as of August 2025.

As of May 2025, Capital Depesche maintained a Buy rating with a price target of $24.

EZCorp also received a Hold rating from Stephens Inc. in May 2025, with a price target of $17.

In February 2025, Stephens Inc. maintained a Hold rating with a price target of $13.5.

Here's a summary of analyst opinions for EZCorp:

EZCorp's stock price has been influenced by various analyst opinions, including a Buy rating from Capital Depesche in April 2024 with a price target of $18.

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EZCorp is a company that operates in the financial services industry. It's headquartered in Texas, USA. EZCorp offers various financial services, including pawn loans and other short-term credit products.

EZCorp has a significant presence in Mexico, where it acquired 40 pawn stores in June 2025. This acquisition is part of the company's expansion strategy.

EZCorp has a history of reporting its financial results. In July 2025, the company reported its Q3 2025 earnings, which exceeded FactSet estimates for revenue and adjusted EPS. The company's Q3 adjusted EPS was $0.33, beating FactSet estimates of $0.25.

EZCorp has also been in the news for its equity buyback plan. In May 2022, the company announced an equity buyback plan, which expired in May 2025. During this period, the company repurchased 3,178,147 shares, representing 5.74% of its outstanding shares for a total of $30.02 million.

EZCorp's financial performance has been impressive, with the company reporting continued top-line momentum and exceptional earnings growth in its Q3 2025 results.

Here are some key dates related to EZCorp's financial results and equity buyback plan:

EZCORP, Inc. had a notable earnings call on July 31, 2025, for their Q3 2025 period.

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Their revenue exceeded FactSet estimates, coming in at $311 Million.

EZCORP, Inc. is a key player in the consumer lending space, and their financials are worth keeping an eye on.

Here are some key statistics about EZCORP, Inc. and other consumer lending companies:

The average change in the consumer lending sector over the past 5 days is +0.58%.

EZCORP is a company with a clear leadership structure, as Lachie Given is the CEO.

The company has a strong presence in the market, with a recent earnings call highlighting its Q3 2025 performance. EZCORP's fiscal Q3 revenue was $311 million, beating FactSet estimates of $302.5 million.

EZCORP also reported an adjusted EPS of $0.33, which exceeded FactSet estimates of $0.25. This indicates a solid financial performance by the company.

In terms of business development, EZCORP has made a significant acquisition in Mexico. The company acquired 40 pawn stores in the country, expanding its operations.

EZCORP's equity buyback program, announced in May 2022, has expired with 3,178,147 shares being repurchased for $30.02 million. This move may have a positive impact on the company's stock price.

Here's a summary of EZCORP's recent announcements:

EZCORP is also making efforts to engage with investors, with plans to participate in upcoming investor events. This could be an opportunity for investors to learn more about the company's strategy and performance.

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The NAICS code is a six-digit code used to identify a business's industry classification. EZCORP has multiple NAICS codes.

For EZCORP, the NAICS codes are 52, 5222, and 522.

EZCORP's SIC code is a specific designation used for classification purposes. The SIC codes for EZCORP are [6141, 61, 614].

If you're looking to identify a company's SIC code, it's worth noting that codes can vary depending on the source and context. EZCORP's SIC codes are [6141, 61, 614].

For those who need to reference EZCORP's SIC code, it's a good idea to keep these codes handy.

EZCorp has a long history of providing financial services to underserved communities. Founded in 1994, the company has been operating for over two decades.

The company's early success can be attributed to its innovative approach to payday lending, which provided short-term loans to individuals who lacked access to traditional banking services. This model allowed EZCorp to establish a strong presence in the market.

EZCorp's commitment to financial inclusion has enabled it to serve millions of customers worldwide.

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EZCORP has a calendar that outlines upcoming events, including earnings reports. The company's Q4 2025 Earnings Release is estimated to be around 0.290 USD and is scheduled for November 12, 2025.

You can also find past events on EZCORP's website, which provides actual earnings per share (EPS) data. For example, the Q3 2025 Earnings Release had an actual EPS of 0.345 USD on July 30, 2025.

Here is a list of upcoming events:

EZCORP has had a busy year, with several notable events that have shaped the company's trajectory. One of the most recent events was the Q3 2025 Earnings Release, which took place on July 30, 2025.

EZCORP's Q3 2025 Earnings Release showed impressive results, with the company's adjusted EPS beating estimates by a wide margin. The actual EPS was $0.345, surpassing the FactSet estimate of $0.25.

The company's Q2 2025 Earnings Release, held on April 28, 2025, also showed strong performance, with an actual EPS of $0.305. EZCORP's Q1 2025 Earnings Release, held on February 5, 2025, reported an actual EPS of $0.372.

EZCORP has also made several notable acquisitions, including the purchase of 40 pawn stores in Mexico on June 18, 2025. This acquisition is expected to boost the company's revenue and expand its presence in the market.

Here is a summary of EZCORP's past events:

EZCORP's Annual General Meeting was held on March 13, 2025, and reported an actual EPS of $1.102. This meeting is an important event for the company, where shareholders and stakeholders come together to discuss the company's performance and future plans.

EZCORP has a calendar that outlines important events, such as earnings reports. The earnings reports are scheduled for Q4 2025, Q1 2026, Q2 2026, and Q3 2026.

The estimated earnings per share for Q4 2025 is 0.290 USD, for Q1 2026 it's 0.407 USD, for Q2 2026 it's 0.348 USD, and for Q3 2026 it's 0.322 USD.

EZCORP also has a dividend calendar, but unfortunately, it appears that the company has not paid any dividends since 2010.

Here is a summary of the earnings reports: