Hello my dears,
I believe this company always profits. Especially in times of uncertainty and inflation.
I'd love to hear your opinion in the comments.
Gold rush gives wings! Crisis-resistant pawnshop king EZCORP profits!
Job loss, unplanned expenses or growing inflation can all be reasons that cause people to have major money worries.
According to a survey by Capital One, 77% of Americans are worried about their financial situation and not having enough money to retire, cover their living expenses and pay their debts. Dear all, so today I would like to introduce you to EZCORP, the top performer in the Credit Services sector, up 13.66%. In which sector has the company made a name for itself? EZCORP operates pawnbroking businesses in the USA, Mexico and Central America.
EZCORP, Inc. is a provider of pawnbroking services in the United States and Latin America. The company also sells used and recycled merchandise, primarily collateral from pawnbroking operations and merchandise purchased by customers. The U.S. Pawn segment includes the EZPAWN, Value Pawn & Jewelry and other branded pawn businesses in the United States. The Latin America Pawn segment comprises the pawn stores Empeno Facil, Cash Apoyo Efectivo and other branded pawn stores in Mexico as well as the pawn stores GuatePrenda and MaxiEfectivo in Guatemala, El Salvador and Honduras (GPMX). The Other Investments segment primarily comprises the investment in Cash Converters International Limited (Cash Converters) as well as the investment in and receivables from Founders One, LLC (Founders). In its pawn shops, the company provides cash against the value of collateralized tangible assets and sells goods to customers seeking good value.
Number of employees: 8,500
PURCHASE
EZCORP offers customers the opportunity to instantly turn goods they no longer need into cash. We buy quality pre-owned items ranging from gold and diamond jewelry to electronics, video games, musical instruments, tools, sporting goods and more. We pride ourselves on fair and accurate valuations. Quite simply, we help our customers get more money for their stuff
SALE
In today's economy, more and more consumers are demanding value, and EZCORP delivers. We sell a selection of quality used items at discounted prices. In fact, our customers save up to 70% off regular retail prices every day. Our selection of merchandise is large and ever-changing and includes gold, jewelry, electronics, tools, sporting goods, luxury handbags, shoes and sneakers, music equipment and much more!
On loan
Customers rely on EZCORP for fast, convenient and confidential loans. We go above and beyond to promote responsibility and are guided by the principles of honesty, integrity and fairness. We offer instant cash loans for valuable items including gold and diamond jewelry, electronics, computers, musical instruments, tools, video games, firearms (U.S. only) and more. EZCORP works closely with each client to help them get the cash they need.
Where to operate:
547 x U.S. (547 BUSINESSES IN 19 STATES)
637 x Mexico
153 x Guatemala
20 x El Salvador
26 x Honduras
EZCORP reports results for the first quarter of fiscal 2026
EZCORP, Inc. – EZCORP berichtet Ergebnisse des ersten Geschäftsjahres 2026
HIGHLIGHTS OF THE FIRST QUARTER
- Net profit increased by 43 % to 44.3 million US dollars. Adjusted1, net profit increased by 38 % to USD 43.9 million.
- Diluted earnings per share (EPS) rose by 38 % to USD 0.55. Adjusted1, diluted earnings per share rose by 34 % to USD 0.55.
- Adjusted EBITDA increased by 36 % to USD 70.3 million.
- Total revenues increased by 19% to USD 382.0 million, while gross profit increased by 20% to USD 223.0 million.
- Outstanding pawn loans (PLO) increased by 14 % to 314.4 million US dollars.
- We expanded our footprint by 23 branches, including 17 acquired branches, 7 de novo branches and the merger of 1 branch.
EZCORP acquires majority stake in Founders One, LLC and adds 105 pawnshops in 12 countries to its footprint
Citizens raises its price target for EZCORP significantly from USD 26 to USD 33 and confirms Market Outperform.
Published on 09.02.2026, 11:31
The new target means strong upside compared to the previous price of around USD 25.6.
Background is a very strong operating momentum:
- 12 % jump in share price following positive reactions to store growth and operational improvements.
- Annual performance: +90.8 %, 6-month performance: +67.7 %.
The valuation is based on a multiplier of ~9x to the expected adjusted EBITDA 2027.
Management shows high confidence: further efficiency gains, new products, better pricing, stronger customer loyalty.
Strong quarter:
- Sales +19 %well above expectations.
- Adjusted EBITDA: USD 70 million (vs. 56 million Citizens estimate).
Other analysts positive:
- Canaccord raises price target to 34 USD (Buy).
Strategic Expansion:
- Acquisition of a majority stake in Founders One (105 pawnshops in the USA + 11 other countries).
- Strengthens presence in Florida and Puerto Rico.
USD in millions
Estimates
Year Turnover Change
2024 1.162 10,73 %
2025 1.274 9,7 %
2026 1.573 23,47 %
2027 1.745 10.89 %
2028 1.887 8,13 %
Year EBIT Change
2024 112,5 22,12 %
2025 149,2 32,56 %
2026 201,1 34,81 %
2027 223,8 11,31 %
2028 243,8 8,92 %
Year Net result Change
2024 83,1 115,84 %
2025 109,6 31,9 %
2026 145,3 32,56 %
2027 165,1 13,61 %
2028 188,4 14,11 %
Year Net debt CAPEX
2024 148 35,76
2025 48 38,56
2026 115 46,9
2027 172 52,4
2028 57
Year Free cash flow change
2024 77,84 26,79 %
2026 147
2027 137 -6,8 %
2028 143 4,38 %
Year EBIT margin ROE
2024 9,69 % 10,72 %
2025 11,71 % 11,98 %
2026 12,78 % 14 %
2027 12,83 % 14 %
2028 12,92 %
Year Earnings per share Change
2024 1,1 107,55 %
2025 1,42 29,09 %
2026 1,777 25,12 %
2027 2,002 12,66 %
2028 2,295 14,65 %
Year P/E ratio PEG
2023 15,6x
2024 10,2x
2025 13.4x 0.5x
2026 14.3x 0.6x
2027 12.7x 1x
2028 11.1x 0.8x
Market value 1,565
Number of shares (in thousands) 61,697
Date of publication 13,11,2025
Performance
1 week +4.36 %
1 month +19.78 %
6 months +62.21 %
1 year +83.31 %
3 years +178.18 %
5 years +422.02 %
