olivLaw · US equity research
EZCORP, Inc. EZPW
Retail-Miscellaneous Retail · SIC 5900 · Vertical: Retail-Miscellaneous Retail (SIC 5900)
EZCORP is a provider of pawn services in the United States, Latin America and the Caribbean, offering cash loans secured by collateral and selling pre-owned merchandise. The company reported record pawn loans outstanding in the third quarter of fiscal 2026, which keeps its performance under close watch from investors.
At the close of 04 Nov 2026, EZCORP, Inc. (EZPW) stock was 29.52 USD (+2.71% on the day), with P/E 15.1 on diluted EPS of 1.96 USD over the last 12 months, beta 0.62, 52-week range 17.41–35.59 USD. Latest reported quarter (Q3 2026): revenue of 418.7 m USD (+34.7% YoY), net income of 38.2 m USD (+44.1% YoY), diluted EPS 0.48 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 44.6
- weak (30–45)
- Bollinger (20, 2)
- 27.04 – 34.65
- in the lower half of the band · %B 0.33 · band width 24.7%
- SMA 50 / 200
- 31.27 / 29.72
- mixed trend
- MACD (12, 26, 9)
- -0.70 / -0.47
- MACD below signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | −3.2% | −1.1% | −2.1 pp | — |
| 3 months | −0.9% | −0.5% | −0.4 pp | — |
| 6 months | −11.7% | +4.4% | −16.1 pp | — |
| Year to date | +52.0% | +12.3% | +39.7 pp | — |
| 1 year | +67.0% | +13.5% | +53.4 pp | −30.6% |
| 3 years | +247.7% | +76.4% | +171.3 pp | −33.2% |
| 5 years | +278.5% | +63.7% | +214.8 pp | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q3 2026 · 30 Jun 2026
Quarterly margins
Quarterly statements · USD
| Fiscal year | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 294.6 m | 320.2 m | 306.3 m | 311.0 m | 336.8 m | 382.0 m | 446.9 m | 418.7 m |
| Gross profit | 175.4 m | 185.4 m | 178.5 m | 183.6 m | 198.6 m | 223.0 m | 260.0 m | 246.2 m |
| Operating income | 26.0 m | 41.9 m | 34.2 m | 36.0 m | 37.0 m | 60.6 m | 67.8 m | 54.8 m |
| Depreciation & amortisation | 8.1 m | 8.3 m | 8.0 m ≈ | 8.0 m ≈ | 8.2 m | 8.8 m | 9.6 m ≈ | 9.7 m ≈ |
| Interest expense | 3.2 m | 3.1 m | 3.3 m | 8.5 m | 8.1 m | 8.2 m | 8.4 m | 8.4 m |
| Pre-tax income | 26.3 m | 41.4 m | 34.4 m | 34.7 m | 36.3 m | 59.2 m | 65.5 m | 52.0 m |
| Income tax | 11.1 m | 10.4 m | 9.0 m | 8.2 m | 9.6 m | 14.9 m | 15.9 m | 13.5 m |
| Net income | 15.2 m | 31.0 m | 25.4 m | 26.5 m | 26.7 m | 44.3 m | 49.1 m | 38.2 m |
| Diluted EPS | 0.18 ≈ | 0.40 | 0.33 | 0.34 | 0.32 ≈ | 0.55 | 0.61 | 0.48 |
| Operating cash flow | 43.3 m | 26.0 m | 36.9 m ≈ | 34.8 m ≈ | 51.3 m | 39.1 m | 48.5 m ≈ | 42.8 m ≈ |
| Capex | 18.9 m | 5.6 m | 8.4 m ≈ | 9.1 m ≈ | 15.5 m | 7.5 m | 10.5 m ≈ | 9.9 m ≈ |
| Share repurchases | 3.0 m | 3.0 m | 997.0 k ≈ | 2.0 m | 999.0 k | 0 | 4.0 m ≈ | 4.0 m ≈ |
≈ derived quarter (cumulative difference / share-days average)
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Today's P/E sits at the 44 percentile of its own 32-quarter history (min 10.3, median 16.3, max 236.8; quarters with earnings only).
Fiscal years
| Fiscal year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 812.2 m | 847.2 m | 822.8 m | 729.6 m | 886.2 m | 1.0 bn | 1.2 bn | 1.3 bn |
| Revenue YoY | +8.6% | +4.3% | −2.9% | −11.3% | +21.5% | +18.4% | +10.7% | +9.7% |
| Net income | 37.3 m | 2.5 m | -68.5 m | 8.6 m | 50.2 m | 38.5 m | 83.1 m | 109.6 m |
| Net income YoY | +18.7% | −93.2% | −2,794.3% | unavailable | +482.4% | −23.3% | +116.0% | +31.9% |
| Diluted EPS | 0.64 | 0.05 | -1.24 | 0.15 | 0.70 | 0.53 | 1.10 | 1.42 |
| Diluted EPS YoY | +10.3% | −92.2% | −2,580.0% | unavailable | +366.7% | −24.3% | +107.5% | +29.1% |
| net % | 4.6% | 0.3% | -8.3% | 1.2% | 5.7% | 3.7% | 7.2% | 8.6% |
| Free cash flow | 48.5 m | 64.7 m | 20.6 m | 22.8 m | 34.6 m | 61.4 m | 77.8 m | 110.4 m |
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2025 · 30 Sept 2025
- Cash
- 469.5 m USD
- Financial debt
- 518.1 m USD
- Net debt
- 48.6 m USD
- Equity
- 1.0 bn USD
- Total assets
- 2.0 bn USD
- Debt / equity
- 0.51x
- Current ratio
- 5.61x
- ROE
- 12.0%
- ROA
- 6.4%
- FCF margin
- 8.7%
Financial statements (source on every figure)
Revenue and net income (USD)
Margins
Income statement · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Revenue | 822.8 m | 729.6 m | 886.2 m | 1.0 bn | 1.2 bn | 1.3 bn | SEC (XBRL)· 13 Nov 2025verified |
| Gross profit | 449.2 m | 449.5 m | 528.1 m | 609.8 m | 682.3 m | 746.1 m | SEC (XBRL)· 13 Nov 2025verified |
| Operating income | -48.4 m | 31.2 m | 74.9 m | 92.2 m | 112.5 m | 149.2 m | SEC (XBRL)· 13 Nov 2025verified |
| Depreciation & amortisation | 30.8 m | 30.7 m | 32.1 m | 32.1 m | 33.1 m | 32.5 m | SEC (XBRL)· 13 Nov 2025verified |
| EBITDA | -17.6 m ≈ | 61.8 m ≈ | 107.1 m ≈ | 124.3 m ≈ | 145.6 m ≈ | 181.7 m ≈ | SEC (XBRL)· 13 Nov 2025derived |
| Interest expense | 22.5 m | 22.2 m | 10.0 m | 16.5 m | 13.6 m | 23.0 m | SEC (XBRL)· 13 Nov 2025verified |
| Pre-tax income | -70.1 m | 16.1 m | 67.7 m | 51.6 m | 115.6 m | 146.8 m | SEC (XBRL)· 13 Nov 2025verified |
| Income tax | -1.6 m | 7.5 m | 17.6 m | 13.2 m | 32.5 m | 37.2 m | SEC (XBRL)· 13 Nov 2025verified |
| Net income | -68.5 m | 8.6 m | 50.2 m | 38.5 m | 83.1 m | 109.6 m | SEC (XBRL)· 13 Nov 2025verified |
| Diluted EPS | -1.24 | 0.15 | 0.70 | 0.53 | 1.10 | 1.42 | SEC (XBRL)· 13 Nov 2025verified |
| Weighted average diluted shares | 55.3 m | 55.9 m | 82.4 m | 80.9 m | 84.4 m | 83.4 m | SEC (XBRL)· 13 Nov 2025verified |
≈ computed by olivLaw from the reported lines of the same year: Operating income + Depreciation & amortisation.
Balance sheet · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Cash | 304.5 m | 253.7 m | 206.0 m | 220.6 m | 170.5 m | 469.5 m | SEC (XBRL)· 13 Nov 2025verified |
| Receivables | 7.0 m | 9.3 m | 8.4 m | 30.5 m | — | — | SEC (XBRL)· 15 Nov 2023verified |
| Inventories | 95.9 m | 111.0 m | 151.6 m | 166.5 m | 191.9 m | 248.5 m | SEC (XBRL)· 13 Nov 2025verified |
| Current assets | 593.3 m | 610.9 m | 644.2 m | 719.7 m | 729.0 m | 1.1 bn | SEC (XBRL)· 13 Nov 2025verified |
| Property, plant & equipment, net | 57.0 m | 53.8 m | 56.7 m | 68.1 m | 66.0 m | 75.3 m | SEC (XBRL)· 13 Nov 2025verified |
| Goodwill | 257.6 m | 285.8 m | 286.8 m | 302.4 m | 306.5 m | 324.9 m | SEC (XBRL)· 13 Nov 2025verified |
| Intangibles (excl. goodwill) | 58.6 m | 62.1 m | 56.8 m | 58.2 m | 58.5 m | 58.8 m | SEC (XBRL)· 13 Nov 2025verified |
| Total assets | 1.2 bn | 1.3 bn | 1.3 bn | 1.5 bn | 1.5 bn | 2.0 bn | SEC (XBRL)· 13 Nov 2025verified |
| Accounts payable | 71.5 m | 22.5 m | 24.1 m | 23.0 m | 20.9 m | 22.9 m | SEC (XBRL)· 13 Nov 2025verified |
| Short-term debt | 213.0 k | 0 | 0 | 34.3 m | 103.1 m | 0 | SEC (XBRL)· 13 Nov 2025verified |
| Long-term debt | 251.0 m | 264.2 m | 312.9 m | 325.8 m | 224.3 m | 518.1 m | SEC (XBRL)· 13 Nov 2025verified |
| Current liabilities | 132.5 m | 155.1 m | 152.9 m | 192.0 m | 269.4 m | 200.6 m | SEC (XBRL)· 13 Nov 2025verified |
| Total liabilities | 547.9 m | 594.7 m | 655.6 m | 721.9 m | 688.7 m | 925.7 m | SEC (XBRL)· 13 Nov 2025verified |
| Equity | 649.1 m | 672.2 m | 692.2 m | 745.8 m | 804.6 m | 1.0 bn | SEC (XBRL)· 13 Nov 2025verified |
Cash flow · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Operating cash flow | 49.1 m | 46.4 m | 66.5 m | 101.8 m | 113.6 m | 149.0 m | SEC (XBRL)· 13 Nov 2025verified |
| Capex | 28.5 m | 23.6 m | 31.9 m | 40.4 m | 35.8 m | 38.6 m | SEC (XBRL)· 13 Nov 2025verified |
| Free cash flow | 20.6 m ≈ | 22.8 m ≈ | 34.6 m ≈ | 61.4 m ≈ | 77.8 m ≈ | 110.4 m ≈ | SEC (XBRL)· 13 Nov 2025derived |
| Investing cash flow | 109.9 m | -84.6 m | -113.3 m | -110.9 m | -111.9 m | -117.9 m | SEC (XBRL)· 13 Nov 2025verified |
| Financing cash flow | -6.3 m | -16.3 m | -2.8 m | 23.7 m | -50.2 m | 274.4 m | SEC (XBRL)· 13 Nov 2025verified |
| Share repurchases | 5.2 m | 0 | 2.0 m | 17.0 m | 12.0 m | 7.0 m | SEC (XBRL)· 13 Nov 2025verified |
≈ computed by olivLaw from the reported lines of the same year: Operating cash flow − Capex.
Computed indicators
Growth
Profitability
Returns
Balance sheet
Liquidity
Cash
Efficiency
Market and valuation
1 indicators that do not apply to the sector.
Valuation
olivLaw classification
Score: 90 / 100
A scoring methodology on indicators and valuation, not investment advice.
Closing price
04 Nov 2026Source: olivLaw, closing series
Market cap: unavailable
Key indicators
Coverage and freshness
Score by group
- Balance sheet89
- Growth100
- Valuation80
- Quality88
Estimated value range
The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 34.33 – 67.32 USD.
Valuation assumptions are editorial choices, not measured; beta is not measured.
Method ranges (USD per share)
— — Mid · ▏ Price
Valuation methods
- DCF (discounted cash flow)unavailable · input data missing
- Peers: EV/EBITDAunavailable · input data missing
- Peers: P/E34.33 – 67.32 (Mid 44.73)4 companies used · median multiple 22.8x · quartiles 17.5x – 34.4xFCFS, SPH, SVV, WINA
- Dividend discount (DDM)unavailable · the company pays no dividend: a dividend model needs an explicit initiation assumption
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Neutral profile · Score 90/100
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROIC · Quality | 13.6% | 90 (on a fixed band) | 15% |
| Net margin · Quality | 10.0% | 91 (vs peers) | 9% |
| FCF conversion · Quality | 87.4% | 82 (on a fixed band) | 9% |
| Revenue CAGR 3Y · Growth | 12.9% | 100 (on a fixed band) | 12% |
| EPS CAGR 3Y · Growth | 26.6% | 100 (on a fixed band) | 12% |
| Net debt / EBITDA · Balance sheet | 0.8x | 91 (on a fixed band) | 15% |
| Interest coverage · Balance sheet | 6.7x | 80 (on a fixed band) | 9% |
| Current ratio · Balance sheet | 4.8x | 100 (on a fixed band) | 6% |
| P/E (TTM) · Valuation | 15.1x | 80 (vs peers) | 15% |
| EV/EBITDA · Valuation | unavailable | unavailable | — |
| FCF yield · Valuation | unavailable | unavailable | — |
| Shareholder yield (distributions) · Returns | unavailable | unavailable | — |
| Payout ratio (FCF) · Returns | unavailable | unavailable | — |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet89/100 · 3/3 factors with a value
- Growth100/100 · 2/2 factors with a value
- Quality88/100 · 3/3 factors with a value
- Returns· partialunavailable · 0/2 factors with a value
- Valuation· partial80/100 · 1/3 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
EZCORP, INC. (EZPW). Latest full fiscal year: 2025; data up to 2026-06-30.
Figures computed from the financial statements: revenue 1.3 bn USD in 2025; YoY growth 9.7%; net margin 10.0%; ROE 14.7%; net debt/EBITDA 0.8x.
The estimated value range is 34.33–67.32 USD per share (median of 1 methods, agreement: single method); assumptions are illustrative. Against the central value of 44.73 USD, the price of 29.52 USD leaves a potential of 51.5% (value / price − 1) and a margin of safety of 34.0% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
olivLaw score 90/100, methodological classification: neutral profile (score, margin of safety and method agreement together; not a judgement of the right price). Groups assessed only in part: returns, valuation. Not investment advice.
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
- ROIC: 13.6%
- Net margin: 10.0%
- FCF conversion: 87.4%
- Revenue CAGR 3Y: 12.9%
- EPS CAGR 3Y: 26.6%
- Net debt / EBITDA: 0.8x
- Interest coverage: 6.7x
- Current ratio: 4.8x
- P/E (TTM): 15.1x
- The price is below the estimated value range
What contradicts it
No signal among the computed factors. That is not an absence of risk: factors without data were not assessed, and business risks (margins, inventory, demand) are in the source-based analysis.
Not assessed (insufficient data or a ratio without meaning): EV/EBITDA, FCF yield, Shareholder yield (distributions), Payout ratio (FCF).
Versus the vertical median
Retail-Miscellaneous Retail (SIC 5900) · same industry (4-digit SIC) · compared with 12 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| FCFSFirstcash Holdings, Inc. | 8.3 bn | 20.9 | 18.2% | 9.5% | +8.0% | +22% / +73% |
| REALTheRealReal, Inc. | 1.7 bn | — | — | -1.4% | +15.4% | −6% / +500% |
| SVVSavers Value Village, Inc. | 1.5 bn | 63.3 | 5.7% | 1.4% | unavailable | +10% / −33% |
| SPHSuburban Propane Partners LP | 1.1 bn | 7.3 | — | 9.4% | +7.9% | −12% / +0% |
| WINAWinmark Corporation | 987.7 m | 24.8 | — | 45.1% | +5.9% | −32% / −35% |
| TMSTeamshares Inc | 344.7 m | — | -6.7% | — | unavailable | −54% / unavailable |
| PLBYPlayboy, Inc. | 164.1 m | 609.5 | 12.4% | 0.2% | +4.1% | −29% / +161% |
| LIVELIVE VENTURES Inc | 22.9 m | — | -2.8% | -0.6% | −5.9% | −19% / −70% |
| WBUYWebuy Global Ltd | 1.3 m | — | -160.3% | -45.3% | −63.0% | −66% / −100% |
| NEXRNexera Technologies Ltd | 62.0 k | — | -43.2% | -21.8% | +23.0% | −100% / −100% |
| WSHPWeShop Holdings Ltd | — | — | -946.5% | -14,972.7% | −67.3% | −98% / unavailable |
| POMPOMDOCTOR Ltd | — | — | — | -32.7% | unavailable | −98% / unavailable |
| EZPWEzcorp, Inc. | — | 15.1 | 14.7% | 10.0% | +9.7% | +67% / +248% |
1- and 3-year price returns: for EZPW from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Scenarios are not available. input data missing
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
In brief
EZCORP is a provider of pawn services in the United States, Latin America and the Caribbean, offering cash loans secured by collateral and selling pre-owned merchandise. The company reported record pawn loans outstanding in the third quarter of fiscal 2026, which keeps its performance under close watch from investors.
SWOT
Strengths
- A large store network across several countries and strong growth in the loan book in recent quarters.
- Diversified revenue between pawn fees, merchandise sales and jewelry scrap.
- A stable governance structure with management focused on operational execution.
Weaknesses
- High dependence on a small number of U.S. states where activity is geographically concentrated.
- Exposure to gold price swings, which affect both collateral values and sales.
- Labor costs have risen quickly, which could compress margins if revenue growth slows.
Opportunities
- Integrating SMG and the Florida and Puerto Rico operations could open new markets and operating synergies.
- Expansion in Latin America through acquisitions and new stores could strengthen its regional leadership.
- Digital channels such as the EZ+ application could increase how often customers engage with the company.
Threats
- Criticism from consumer advocates could lead to stricter regulation.
- A fall in gold prices could reduce collateral values and jewelry sales.
- Competition from consumer lenders and online platforms could pressure fees and customers.
Risks
- Regulation and compliancehigh
Legislative changes or penalties for non-compliance could force the closure or consolidation of stores.
- Geographic concentrationhigh
U.S. activity is concentrated in a few states, and a negative regulatory change there could affect results.
- Gold priceshigh
A significant fall in gold prices or in transaction volumes could reduce sales and collateral values.
- Acquisitions and integrationmedium
Integrating SMG and other acquisitions could encounter operational and capital difficulties.
- Fair value of investmentsmedium
The stake in Cash Converters and other investments could require impairment if their value declines.
Investment thesis
What would need to be true (bull case)
- The record growth in pawn loans and the strong contribution from Latin America suggest sustained demand for the model.
- Gaining control of Founders and SMG could drive significant growth by extending into new markets.
- Revenue diversification and better merchandise margins could support profitability if the trend holds.
What would break the thesis
- Dependence on gold prices and jewelry volumes could create high volatility in results.
- Regulation and public criticism could limit operations or restrict access to funding.
- Rising staff costs and integration of new acquisitions could compress operating margins.
What to watch
- Pawn loan growth and margins in Latin America after the Guatemala acquisitionQ4 2026
- Integration of SMG and its contribution to revenue and segment profitQ4 2026
- Effect of gold prices on jewelry scrap revenue and inventory2027
- Regulatory changes in U.S. states and Mexico affecting fees and operationsnext 10-K
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
The business
Headquartered in Austin, Texas, EZCORP runs mainly a pawn business, advancing cash against collateralized personal property and, when a customer does not redeem an item, selling it or scrapping it for its gold content. At September 30, 2025 it operated 1,360 locations, and pawn service charges (PSC) were approximately 37% of total revenues and 64% of gross profit in fiscal 2025 1. The strategy rests on strengthening the core, cost efficiency and growth in customer engagement.
Segments include U.S. Pawn, Latin America Pawn (Mexico, Guatemala, El Salvador and Honduras) and Other Investments, which include a 43.7% stake in Cash Converters International. In January 2026 EZCORP acquired a controlling interest in Founders One, LLC, expanding into Florida and Puerto Rico 2.
The model depends largely on accurately estimating redemption probability and resale value of collateral, and on gold prices, which affect both collateral values and jewelry sales revenue.
Segments
Pawn in Latin America
Latin America Pawn is the most dynamic segment, with contribution up 56% in the third quarter of fiscal 2026 and 881 stores after the acquisition of 33 stores in Guatemala 3. Mexico remains the largest market, and growth is sensitive to the peso exchange rate.
Market context
The U.S. pawn market is fragmented, and EZCORP is among the largest operators by store count, according to its annual report 1. In Latin America, demand for quick loans secured by goods is supported by a population with limited access to bank credit.
Demand for pawn loans has remained strong, supporting higher average loan sizes and portfolio growth in the latest quarters 3.
Trends
- Demand for pawn loanstailwind
Growth in the loan book reflects sustained demand and larger average loans, which could continue if customers' access to credit stays limited.
- Gold pricesmixed
Jewelry sales and collateral values depend on gold prices; a decline could reduce sales and margins, while the rise has supported jewelry scrap income.
- Regulationheadwind
Legislative changes or restrictions at state or country level could limit operations or reduce fees, affecting margins.
- Wage increasesheadwind
Minimum wage increases in Latin America and higher labor costs raise store expenses, which could temper profit growth.
Competitive position
The company competes with other pawn stores, consumer lenders, retailers, online retailers and auction sites, many with greater financial resources, and in Mexico with non-profit pawn foundations affiliated with the government 1.
Cash Converters, in which EZCORP holds a stake, operates in 659 stores across 15 countries with franchising and pawn activities, making it both a strategic investment and an indirect competitor 1.
- Cash Converters International
Company listed on the ASX in which EZCORP holds a stake; runs franchising and pawn operations in several countries.
- Non-profit pawn foundations in Mexico
Non-profit foundations affiliated with or sponsored by the government that compete directly in the Mexican market.
- Consumer lenders
Personal loan companies competing for customers who need short-term cash.
- Retailers and online platforms
Second-hand goods sellers and online auction sites competing for resale customers.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
Loading the links…
News & filings
In the press
No news in our archive over the last 180 days.
SEC filings
- Current report05 Aug 2026Results of operations · Regulation FD disclosure · Financial statements and exhibits
- Quarterly report05 Aug 2026
- Current report18 May 2026Other events · Financial statements and exhibits
- Current report06 May 2026Results of operations · Regulation FD disclosure · Financial statements and exhibits
- Quarterly report06 May 2026
- Current report27 Mar 2026Shareholder vote · Regulation FD disclosure
- Current report04 Feb 2026Results of operations · Regulation FD disclosure · Financial statements and exhibits
- Quarterly report04 Feb 2026
- Current report05 Jan 2026Regulation FD disclosure · Financial statements and exhibits
- Current report13 Nov 2025Results of operations · Regulation FD disclosure · Financial statements and exhibits
Sources
- [1] Form 10-K, fiscal year ended 2025-09-30 · SEC / EZCORP, Inc. · 13 Nov 2025
- [2] Form 10-Q, quarter ended 2026-06-30 · SEC / EZCORP, Inc. · 05 Aug 2026
- [3] Form 8-K, results release (exhibit 99.1) · SEC / EZCORP, Inc. · 05 Aug 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.