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Upturn AI SWOT - About
EZPW 
EZCORP Inc (EZPW)
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Upturn Advisory Summary
09/15/2025: EZPW (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $21
1 Year Target Price $21
| 2 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 40.05% | Avg. Invested days 47 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.04B USD | Price to earnings Ratio 13.21 | 1Y Target Price 21 |
Price to earnings Ratio 13.21 | 1Y Target Price 21 | ||
Volume (30-day avg) 5 | Beta 0.63 | 52 Weeks Range 10.56 - 17.53 | Updated Date 09/15/2025 |
52 Weeks Range 10.56 - 17.53 | Updated Date 09/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.29 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 7.96% | Operating Margin (TTM) 11.58% |
Management Effectiveness
Return on Assets (TTM) 5.13% | Return on Equity (TTM) 10.95% |
Valuation
Trailing PE 13.21 | Forward PE 11.63 | Enterprise Value 1327661156 | Price to Sales(TTM) 0.84 |
Enterprise Value 1327661156 | Price to Sales(TTM) 0.84 | ||
Enterprise Value to Revenue 1.08 | Enterprise Value to EBITDA 7.09 | Shares Outstanding 57926000 | Shares Floating 55364331 |
Shares Outstanding 57926000 | Shares Floating 55364331 | ||
Percent Insiders 3.71 | Percent Institutions 115.55 |
Upturn AI SWOT
EZCORP Inc
Company Overview
History and Background
EZCORP Inc. was founded in 1989. Initially focused on pawn operations in Texas, it expanded rapidly through acquisitions and new store openings. It evolved into a provider of financial services to the underbanked population.
Core Business Areas
- Pawn Services: Provides short-term, non-recourse loans collateralized by personal property. Customers can redeem their items by repaying the loan and associated fees.
- Consumer Loans: Offers unsecured installment loans and other consumer credit products, primarily in Mexico.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives. The organizational structure is divided by business segments and geographic regions.
Top Products and Market Share
Key Offerings
- Pawn Loans: Short-term collateralized loans. Market share data is difficult to pinpoint due to the fragmented nature of the pawn industry, but EZCORP is a significant player. Competitors include FirstCash (FCFS) and privately held pawn shops.
- Consumer Loans (Mexico): Unsecured installment loans offered in Mexico. Market share data is not readily available. Competitors include Grupo Elektra and other local lenders.
Market Dynamics
Industry Overview
The industry consists of pawn shops and consumer lending businesses serving individuals with limited access to traditional financial services. It's influenced by economic conditions and regulatory changes.
Positioning
EZCORP is positioned as a leading provider of pawn loans and consumer loans in select markets. Competitive advantages include brand recognition and established store networks.
Total Addressable Market (TAM)
The TAM for alternative financial services is substantial, estimated to be in the tens of billions of dollars annually. EZCORP holds a small portion of this TAM, indicating potential for growth.
Upturn SWOT Analysis
Strengths
- Established brand name
- Extensive store network
- Experienced management team
- Strong presence in key markets
Weaknesses
- High dependence on pawn lending
- Vulnerability to economic downturns
- Regulatory scrutiny
- Exposure to credit risk in consumer lending
Opportunities
- Expansion into new markets
- Development of new products and services
- Increased online presence
- Acquisitions of smaller competitors
Threats
- Increased competition
- Changes in regulations
- Economic recession
- Fluctuations in commodity prices (affecting collateral values)
Competitors and Market Share
Key Competitors
- FCFS
- SLP
- CASH
Competitive Landscape
EZCORP competes with other large pawnshop chains, smaller independent shops, and alternative lenders. Its advantages include its brand recognition and scale.
Growth Trajectory and Initiatives
Historical Growth: EZCORP's growth has been driven by acquisitions and same-store sales growth.
Future Projections: Analyst estimates vary, but generally project moderate revenue growth and improved profitability.
Recent Initiatives: Strategic initiatives may include store expansions, product diversification, and investments in technology.
Summary
EZCORP operates in the alternative financial services sector, primarily through pawn and consumer lending. Its established brand and store network are strengths, but it faces risks from economic cycles and regulation. Recent strategic initiatives are aimed at growth, but competition remains a concern. The company does not pay dividends but reinvests in business expansion.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Financial News Outlets
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is based on estimates due to limited availability of comprehensive industry data. Financial data should be verified through official company filings.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About EZCORP Inc
Exchange NASDAQ | Headquaters Austin, TX, United States | ||
IPO Launch date 1991-08-27 | CEO & Director Mr. Lachlan P. Given BBus | ||
Sector Financial Services | Industry Credit Services | Full time employees 8000 | Website https://www.ezcorp.com |
Full time employees 8000 | Website https://www.ezcorp.com | ||
EZCORP, Inc. provides pawn services in the United States and Latin America. The company operates through U.S. Pawn, Latin America Pawn, and Other Investments segments. The company offers pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. It also retails merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. In addition, the company provides EZ+, a web-based application that allow customers to manage their pawn transactions, layaways, and loyalty rewards online. Further, it operates under the EZPAWN, Value Pawn & Jewelry, Empeño Fácil, Cash Apoyo Efectivo, GuatePrenda, and MaxiEfectivo brands. EZCORP, Inc. was incorporated in 1989 and is headquartered in Austin, Texas.
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