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EZEZPW

EZCORP, Inc.

$EZPW·$1.7B·Financial - Credit Services·Financial Services
$29.18-2.0%
Mentions · last 7 days
2026-07-30: 2 posts2026-07-31: 2 posts2026-08-01: 1 posts2026-08-02: 1 posts2026-08-03: 7 posts2026-08-04: 6 posts2026-08-05: 5 posts24
Price updated 14m ago·X counts updated 22h ago
EZEZPW
$EZPWEZCORP, Inc.
$29.18-2.01%24 posts
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $EZPW, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-08-06

The move is getting stronger, with heavier trading behind it.

EZCORP beat Q3 EPS by 16% ($0.47 vs $0.41) — pawn-lending operator in US + Latin America with 35% revenue growth continuing.

EZCORP is a US and Latin American pawn-lending operator — collateralized loans and retail sale of pre-owned merchandise. Its Latin American footprint (Mexico, Central America) has been the differentiated growth driver as remittance flows and dollarization support the business model.

The mechanics of the setup:

  • Q3 (fiscal June 30) revenue was $418.7M, up 34.7% YoY — meaningful growth driven by both same-store and new-store contribution in Latin America.
  • Q3 EPS was $0.47 versus $0.41 expected — a 15.8% beat.
  • Q3 free cash flow was $33M — supportive cash generation.
  • At $1.7B market cap and 11.5x TTM P/E the multiple is compressed for a growing specialty consumer-finance company with 14% operating margin.
  • Free cash flow yield 7.9% and 6.3x EV/EBITDA reflect meaningful value characteristics.
  • ROE 14.5% and ROIC 8.2% — solid returns on capital.
  • Debt-to-equity of 0.25 is conservative — balance sheet is not the constraint.
  • The absence of price data in the bundle is a data-quality artifact — the Q3 print is what matters.
  • The fundamental thesis is durable in a mid-cycle consumer-credit environment: pawn lending typically benefits when consumers face liquidity constraints, and Latin American demographics (young population, remittance dependency) support sustained demand.

The path from here is defined by continued Latin American execution + US comp trends. Continued 20%+ revenue growth + margin expansion re-rates the stock materially; a Latin American economic disruption (peso volatility, remittance decline) or a US consumer-credit shock resets it. Watch peso/USD stability and US same-store trends as the qualitative overlays.

What to watch: Continued Latin American execution and US same-store trends. Continued 20%+ growth + margin expansion re-rates the stock; a Latin American disruption or US consumer-credit shock resets it. Peso/USD as qualitative overlay.

missing sentiment

Read the AI verdict + X sentiment for $EZPW

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

EZCORP, Inc. operates primarily by offering collateralized loans, commonly known as pawn loans, to individuals in both the United States and various Latin American countries. These loans are secured by a wide array of personal items, including but not limited to jewelry, consumer electronics, tools, sporting equipment, and musical instruments. Beyond its lending activities, the company also engages in the retail sale of merchandise. This inventory largely comprises items that were once collateral for unredeemed pawn loans, as well as pre-owned goods directly acquired from customers. To further support its clientele, EZCORP provides online platforms, Lana and EZ+, designed to facilitate the management of pawn loans. As of September 30, 2021, EZCORP, Inc. maintained a substantial physical presence, with 516 company-owned and operated pawn shops in the U.S., 508 in Mexico, and an additional 124 locations spread across Guatemala, El Salvador, and Honduras. The company was founded in 1989 and has its corporate headquarters situated in Austin, Texas.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Credit Services sits in its cycle right now — and what that implies for $EZPW.

Financial - Credit Services · Financial Services

No material change from last week — AI agents transacting autonomously on behalf of consumers could decouple purchase decisions from card rails, threatening the interchange fee model.

Industry benchmark

21-name peer basket
+3.1%YTD
-4.5%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
11.5How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
8.2%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
13.9%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
7.9%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
1.1Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
14.5%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
57.9%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.3Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 5, 2026$0.47$0.41+15.8%
Q1 2026May 6, 2026$0.58$0.36+61.1%
Q4 2025Feb 4, 2026$0.55$0.40+37.5%
Q3 2025Nov 13, 2025$0.34$0.29+17.2%

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q3 FY26$418.7M+34.7%58.8%13.1%$0.62$32.9M
Q2 FY26$446.9M+45.9%56.0%15.2%$0.80$38.0M
Q1 FY26$382.0M+19.3%58.4%15.9%$0.72$31.7M
Q4 FY25$336.8M+14.3%59.0%11.0%$0.44$35.7M

Forward consensus

5-year forecast · up to 4 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$1.6B$1.6B – $1.7B$1.98$1.90 – $2.034
FY27$1.8B$1.7B – $1.8B$2.14$2.05 – $2.194
FY28$1.9B$1.9B – $2.0B$2.38$2.37 – $2.402
FY29$2.0B$2.0B – $2.1B$2.66$2.55 – $2.731
FY30$2.2B$2.1B – $2.2B$2.93$2.81 – $3.001

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.0×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.67%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-6.9%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+14.5%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 55.6M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.8% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.645-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJul 6Espinosa Pablo LagosDirector10.0K sh$355KSellJun 5Espinosa Pablo LagosDirector10.0K sh$320KSellMay 20Matthew W AppelDirector15.0K sh$500KSellMay 12Jason A. KulasDirector20.0K sh$671KSellMar 2Sunil SajnaniChief Audit/LP Executive18.4K sh$491KSellFeb 23Gary TillettDirector10.0K sh$255KSellFeb 19Espinosa Pablo LagosDirector20.0K sh$500KSellFeb 18Gary TillettDirector10.0K sh$250KSellFeb 17Nicole SwiesChief Revenue Officer24.1K sh$597KSellFeb 17Ellen H BryantChief Legal Officer20.0K sh$500K
+ 5 other (5 awards) in window

See when $EZPW insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

EZCORP Reports Third Quarter Fiscal 2026 Resultsglobenewswire.com·1d agoEZCORP to Participate in Upcoming Investor Eventsglobenewswire.com·3d agoEZCORP Gears Up to Post Q3 Earnings: What's in the Offing?zacks.com·3d agoEZCORP to Release Third Quarter Fiscal 2026 Results After Market Close on Wednesday, August 5, 2026globenewswire.com·14d agoEZCORP Director Sells $355,000 in Stock Amid a Massive 151% Rallyfool.com·28d ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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