EZCORP, Inc. (EZPW) Q3 2025 Earnings Call Transcript
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jul 31 2025
0mins
Should l Buy EZPW?
Source: SeekingAlpha
Revenue $319.9 million, up 14% year-over-year. The increase was driven by growth in pawn service charges (PSC), merchandise sales, and a significant increase in scrap.
Pawn Loans Outstanding (PLO) $293.2 million, up 12% year-over-year. Growth was driven by sustained demand, improved operational execution, and higher average loan sizes.
Adjusted EBITDA $45.2 million, up 42% year-over-year. This was driven by operating leverage embedded in the business model as the company scaled.
Diluted EPS $0.33, up 38% year-over-year. The increase was attributed to operating leverage and improved profitability.
Gross Profit $188.4 million, up 13% year-over-year. Growth was in line with revenue increases, supported by higher gold prices and improved retail execution.
Merchandise Sales Grew 10% year-over-year with same-store sales up 9%. This was supported by strong customer demand and effective retail execution.
Inventory Increased 32% year-over-year, driven by higher PLO, elevated purchase activity, and growth in the U.S. layaway program.
EBITDA Margin Expanded 280 basis points to 14.1%, reflecting operating leverage as the company scaled.
U.S. Pawn Segment Revenue $220 million, up 11% year-over-year. Growth was driven by scrap sales and increased earning assets.
Latin American Segment Revenue $99.9 million, up 21% year-over-year. Growth was driven by improved operational performance and increased loan demand.
Trade with 70% Backtested Accuracy
Stop guessing "Should I Buy EZPW?" and start using high-conviction signals backed by rigorous historical data.
Sign up today to access powerful investing tools and make smarter, data-driven decisions.
Analyst Views on EZPW
Wall Street analysts forecast EZPW stock price to rise
5 Analyst Rating
3 Buy
2 Hold
0 Sell
Moderate Buy
Current: 24.340
Low
22.00
Averages
24.75
High
28.00
Current: 24.340
Low
22.00
Averages
24.75
High
28.00
About EZPW
EZCORP, Inc. is a provider of pawn transactions in the United States and Latin America. The Company also sells pre-owned and recycled merchandise, primarily collateral forfeited from pawn lending operations and merchandise purchased from customers. The Company’s U.S. Pawn segment includes its EZPAWN, Value Pawn & Jewelry and other branded pawn operations in the United States. Its Latin America Pawn segment includes its Empeno Facil, Cash Apoyo Efectivo and other branded pawn operations in Mexico, as well as its GuatePrenda and MaxiEfectivo pawn operations in Guatemala, El Salvador, and Honduras (GPMX). The Company’s Other Investments segment primarily includes its equity interest in Cash Converters International Limited (Cash Converters) and its investment in and notes receivable from Founders One, LLC (Founders). At its pawn stores, it advances cash against the value of collateralized tangible personal property and sells merchandise to customers looking for good value.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
EZCORP Stock Surpasses Analyst Target Price
- Price Target Breakthrough: EZCORP, Inc. shares have reached $25.63, surpassing the analyst-set 12-month target price of $25.33, indicating market optimism about the company's prospects, which may prompt analysts to reassess their target prices.
- Diverse Analyst Reactions: Among analysts covered by Zacks, target prices range from $22.00 to $28.00, with a standard deviation of $1.966, reflecting varying opinions on EZCORP's future performance, necessitating cautious evaluation by investors.
- Clear Market Signal: The stock's breach of the target price provides investors with a strong signal to reassess the company, prompting considerations of whether to hold or reduce their positions in light of potential valuation pressures.
- Wisdom of Crowds: The average target price represents a collective opinion from multiple analysts, and investors should pay attention to this
See More
Pawn Shop Stocks Surge as Gold Hits Record Highs
- Gold Price Surge: According to Canaccord Genuity, gold prices have surpassed $5,500 per ounce for the first time, driving stocks of pawn shops like EZCorp and FirstCash to rally nearly 60% and 35% respectively over the past six months, reflecting investors' preference for precious metals amid economic uncertainty.
- Increased Pawn Demand: As gold and silver prices rise, more individuals are pawning their metal jewelry, with a Canaccord survey indicating that jewelry remains the most frequently pawned category, providing robust support for the business growth of EZCorp and FirstCash.
- Analyst Rating Upgrades: Analyst Brian McNamara reiterated a
See More
EZCORP Offers $22.50 Call Option with 7.34% Potential Return
- Options Contract Analysis: The current bid for EZCORP's $22.50 call option stands at $0.75, and if an investor buys EZPW shares at $21.66 and sells this option, they could achieve a total return of 7.34% by the April 17 expiration, highlighting the attractiveness of this strategy.
- Risk and Reward: With the strike price approximately 4% above the current stock price, there is a possibility that the option may expire worthless, allowing the investor to retain both the shares and the premium collected, which could represent an additional 3.46% return or an annualized yield of 12.64%, enhancing the investor's profit potential.
- Volatility Comparison: The implied volatility of the call option is 54%, while the actual trailing twelve-month volatility is 31%, indicating a higher market expectation for future price fluctuations of EZPW stock, prompting investors to carefully assess risks.
- Market Dynamics Monitoring: Stock Options Channel will continuously track the market dynamics of this options contract, including changes in the probability of success, assisting investors in making more informed decisions and enhancing the effectiveness of their investment strategies.
See More
EZCORP Reports 27% Annual EPS Growth, Enhancing Investor Confidence
- Profitability Improvement: EZCORP has achieved a remarkable 27% annual growth in earnings per share (EPS) over the past three years, indicating a sustained improvement in profitability that may attract more investor interest.
- EBIT Margin Growth: The company's EBIT margin has increased from 9.8% to 12% in the last 12 months, reflecting enhanced operational efficiency and potentially boosting investor confidence in the company's future profitability.
- Revenue Growth Trend: With revenues on an upward trajectory, combined with the growth in EPS and EBIT, EZCORP demonstrates increasing competitiveness in the market, suggesting a promising outlook for sustainable financial performance.
- Insider Ownership: EZCORP insiders hold shares worth $122 million, indicating a strong alignment of interests between management and shareholders, which may further enhance investor trust in the company's strategic direction.
See More
Daily Upgrade Report for Validea Motley Fool Strategy - December 3, 2025
EZCORP Rating Update: EZCORP INC's rating increased from 63% to 76% based on its fundamentals and valuation, indicating growing interest from the Motley Fool's Small-Cap Growth Investor strategy.
Company Overview: EZCORP operates pawn transactions in the U.S. and Latin America, selling pre-owned merchandise and providing cash advances against collateralized personal property.
Investment Research Background: Validea is an investment research service that analyzes stocks based on strategies from renowned investors like Warren Buffett and Benjamin Graham.
Motley Fool's Influence: Founded by David and Tom Gardner, Motley Fool offers investment advice and commentary, emphasizing a unique and engaging approach to personal finance and stock market insights.
See More
EZPAWN Launches Instant Quote Tool, Enhancing Electronics Valuation Efficiency
- Innovative Tool Launch: EZPAWN has introduced the Instant Quote tool across all U.S. stores, allowing customers to obtain quick online valuations for electronics, enhancing customer experience and saving time before visiting stores.
- Support for Multiple Categories: The tool supports 15 key electronics categories, including game consoles, laptops, and smartphones, enabling customers to quickly receive accurate quote ranges, thereby strengthening market competitiveness.
- Real-Time Valuation Feature: Users can obtain real-time quotes within seconds by simply entering details such as brand, model, and condition, significantly improving valuation efficiency and meeting customer demands for faster service.
- Strategic Market Expansion: By implementing this innovative tool, EZPAWN further solidifies its market position in the U.S. and Latin America, demonstrating the company's commitment to enhancing customer service and addressing short-term cash needs.
See More
EZCORP Stock Surpasses Analyst Target Price
- Price Target Breakthrough: EZCORP, Inc. shares have reached $25.63, surpassing the analyst-set 12-month target price of $25.33, indicating market optimism about the company's prospects, which may prompt analysts to reassess their target prices.
- Diverse Analyst Reactions: Among analysts covered by Zacks, target prices range from $22.00 to $28.00, with a standard deviation of $1.966, reflecting varying opinions on EZCORP's future performance, necessitating cautious evaluation by investors.
- Clear Market Signal: The stock's breach of the target price provides investors with a strong signal to reassess the company, prompting considerations of whether to hold or reduce their positions in light of potential valuation pressures.
- Wisdom of Crowds: The average target price represents a collective opinion from multiple analysts, and investors should pay attention to this
See More
Pawn Shop Stocks Surge as Gold Hits Record Highs
- Gold Price Surge: According to Canaccord Genuity, gold prices have surpassed $5,500 per ounce for the first time, driving stocks of pawn shops like EZCorp and FirstCash to rally nearly 60% and 35% respectively over the past six months, reflecting investors' preference for precious metals amid economic uncertainty.
- Increased Pawn Demand: As gold and silver prices rise, more individuals are pawning their metal jewelry, with a Canaccord survey indicating that jewelry remains the most frequently pawned category, providing robust support for the business growth of EZCorp and FirstCash.
- Analyst Rating Upgrades: Analyst Brian McNamara reiterated a
See More
EZCORP Offers $22.50 Call Option with 7.34% Potential Return
- Options Contract Analysis: The current bid for EZCORP's $22.50 call option stands at $0.75, and if an investor buys EZPW shares at $21.66 and sells this option, they could achieve a total return of 7.34% by the April 17 expiration, highlighting the attractiveness of this strategy.
- Risk and Reward: With the strike price approximately 4% above the current stock price, there is a possibility that the option may expire worthless, allowing the investor to retain both the shares and the premium collected, which could represent an additional 3.46% return or an annualized yield of 12.64%, enhancing the investor's profit potential.
- Volatility Comparison: The implied volatility of the call option is 54%, while the actual trailing twelve-month volatility is 31%, indicating a higher market expectation for future price fluctuations of EZPW stock, prompting investors to carefully assess risks.
- Market Dynamics Monitoring: Stock Options Channel will continuously track the market dynamics of this options contract, including changes in the probability of success, assisting investors in making more informed decisions and enhancing the effectiveness of their investment strategies.
See More
EZCORP Reports 27% Annual EPS Growth, Enhancing Investor Confidence
- Profitability Improvement: EZCORP has achieved a remarkable 27% annual growth in earnings per share (EPS) over the past three years, indicating a sustained improvement in profitability that may attract more investor interest.
- EBIT Margin Growth: The company's EBIT margin has increased from 9.8% to 12% in the last 12 months, reflecting enhanced operational efficiency and potentially boosting investor confidence in the company's future profitability.
- Revenue Growth Trend: With revenues on an upward trajectory, combined with the growth in EPS and EBIT, EZCORP demonstrates increasing competitiveness in the market, suggesting a promising outlook for sustainable financial performance.
- Insider Ownership: EZCORP insiders hold shares worth $122 million, indicating a strong alignment of interests between management and shareholders, which may further enhance investor trust in the company's strategic direction.
See More
Daily Upgrade Report for Validea Motley Fool Strategy - December 3, 2025
EZCORP Rating Update: EZCORP INC's rating increased from 63% to 76% based on its fundamentals and valuation, indicating growing interest from the Motley Fool's Small-Cap Growth Investor strategy.
Company Overview: EZCORP operates pawn transactions in the U.S. and Latin America, selling pre-owned merchandise and providing cash advances against collateralized personal property.
Investment Research Background: Validea is an investment research service that analyzes stocks based on strategies from renowned investors like Warren Buffett and Benjamin Graham.
Motley Fool's Influence: Founded by David and Tom Gardner, Motley Fool offers investment advice and commentary, emphasizing a unique and engaging approach to personal finance and stock market insights.
See More
EZPAWN Launches Instant Quote Tool, Enhancing Electronics Valuation Efficiency
- Innovative Tool Launch: EZPAWN has introduced the Instant Quote tool across all U.S. stores, allowing customers to obtain quick online valuations for electronics, enhancing customer experience and saving time before visiting stores.
- Support for Multiple Categories: The tool supports 15 key electronics categories, including game consoles, laptops, and smartphones, enabling customers to quickly receive accurate quote ranges, thereby strengthening market competitiveness.
- Real-Time Valuation Feature: Users can obtain real-time quotes within seconds by simply entering details such as brand, model, and condition, significantly improving valuation efficiency and meeting customer demands for faster service.
- Strategic Market Expansion: By implementing this innovative tool, EZPAWN further solidifies its market position in the U.S. and Latin America, demonstrating the company's commitment to enhancing customer service and addressing short-term cash needs.
See More
