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EZEZPW

EZCORP, Inc.

$EZPW·$1.8B·Financial - Credit Services·Financial Services
$30.65-3.1%YTD+61.7%1Y+71.3%
Price updated 12h ago·X counts updated 7d ago
EZEZPW
$EZPWEZCORP, Inc.
$30.65-3.13%0 posts
AI analysisFundamentalsVoices on X
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On X

The complete picture of $EZPW on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

0X posts · last 7 days
Sep 2Sep 13

AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $EZPW — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersAcceleratingAI verdict · as of 2026-09-19

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

Pawn-lender operator up 71% t12m at PE 12 with 46% Q2 revenue growth and consistent EPS beat cadence

EZCORP is executing on the consumer-credit-plus-pawn cycle with real operating leverage.

  • Q1 revenue up 19.3% YoY, Q2 up 45.9%, Q3 up 34.7% — the acceleration is remarkable across three sequential quarters.
  • Q2 EPS $0.47 vs $0.41 est (+16%), Q1 $0.58 vs $0.36 (+61%); PE 11.5 and EV/EBITDA 6.3 remain undemanding.
  • Insider Bryant S-Sale $1.04M is measurable but not urgent on a $1.8B cap; Tidal Investments continuing to build position.

At 69% of 52-week range with 1.42x volume, the setup is a coil into the Nov 18 print — the consumer-stress backdrop plus pawn-loan yield economics are supportive.

What to watch: The Nov 18 Q4 fiscal print for revenue-growth trajectory and any commentary on consumer-credit-stress trends; whether GF Value alignment moves back to undervalued territory.

On the calendar: 2026-11-18 — Q4 fiscal earnings

Read the AI verdict on $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)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

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

Pawn lender and used merchandise retailer operating stores in the US and Latin America, providing collateral-backed short-term loans.

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

AI-driven underwriting and BNPL are reshaping consumer credit while card network volumes hold via premium-spend mix; rate compression remains a headwind for subprime lenders. SoFi is down 30% YTD on valuation re-rate despite operational progress, and PYPL is expanding payment reach under a new strategic direction.

What this means for $EZPW

Partial — Pawn lender with collateral-backed short-term loans; benefits from rising demand among cash-constrained consumers but operates independently of card network volumes and BNPL—pawned-merchandise retail is the margin variable.

Industry benchmark

19-name peer basket
-14.4%YTD
-28.3%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%
Next earningsWed, Nov 18·consensus EPS $0.40

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$1.7B$1.7B – $1.7B$2.03$1.99 – $2.084
FY27$1.8B$1.8B – $1.9B$2.16$2.13 – $2.224
FY28$2.0B$1.9B – $2.0B$2.42$2.32 – $2.483
FY29$2.1B$2.0B – $2.1B$2.74$2.70 – $2.811
FY30$2.2B$2.2B – $2.2B$3.02$2.97 – $3.091

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.1.4×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.69%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.-1.8%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.+9.3%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 today2.7% 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

SellAug 24Ellen H BryantChief Legal Officer30.0K sh$1.0MSellJul 6Espinosa Pablo LagosDirector10.0K sh$355KSellJun 5Espinosa Pablo LagosDirector10.0K sh$320KSellMay 20Matthew W AppelDirector15.0K sh$500KSellMay 12Jason A. KulasDirector20.0K sh$671K
+ 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
Free, forever. No credit card.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KPress release / Reg FDAug 58-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
AI summary

EZPW filed an 8-K (Item 2.02) reporting its financial results, filed 2026-08-05. The actual financial figures are in the attached press release (Exhibit 99.1), not reproduced in the body excerpt. This is a material disclosure; investors should review the press release for beat/miss details and guidance.

8-KPress release / Reg FDMay 68-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
8-KShareholder voteMar 278-K — Item 5.07: Shareholder vote · Item 7.01: Press release / Reg FD
+ 6 other (3 13Gs · 2 10-Qs · 1 routine 8-K) in window

Recent news

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

Squarepoint Ops LLC Sells 17,503 Shares of EZCORP, Inc. $EZPWdefenseworld.net·2d agoTidal Investments LLC Increases Stake in EZCORP, Inc. $EZPWdefenseworld.net·4d agoFinancial Comparison: EZCORP (NASDAQ:EZPW) & Katapult (NASDAQ:KPLT)defenseworld.net·11d agoWhy Is Ezcorp (EZPW) Up 14.1% Since Last Earnings Report?zacks.com·16d agoEZCORP Inc (EZPW) Shares Fall 3.8% -- GF Value Says Still Overvaluedgurufocus.com·25d ago

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Voices on X · last 7 days

No standout posts about $EZPW on X in the last 7 days.

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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