Operating through U.S. Pawn, Latin America Pawn, and Other Investments segments, EZCORP leverages its network across 1,500+ stores and digital tools like EZ+, a web-based application for managing transactions and loyalty rewards. Recent momentum shows strong execution with Q1 FY2026 delivering net income up 43% to $44.3M, total revenue up 19% to $382.0M, and pawn loans outstanding rising 14% to $314.4M.
Cyborg Score Rationale
EZCORP demonstrates exceptional recent performance with Q1 FY2026 net income growth of 43% and revenue growth of 19%, coupled with 14% growth in pawn loans outstanding. The company is aggressively expanding its footprint, consolidating Founders One LLC and adding 105 stores across 16 countries, positioning itself as a resilient consumer finance player with growing operational leverage.
Top Insights
Exceptional profitability growth: Q1 FY2026 net income surged 43% to $44.3M with adjusted EBITDA up 36% to $70.3M
Geographic expansion accelerating with 117 new stores added including 105 from Founders SMG acquisition, reaching 1,500 total stores across 16 countries
Digital innovation expanding customer accessibility: Instant Quote tool launched for electronics valuations supporting 15+ product categories with real-time estimates
Stock valuation attractive at 16.90x forward P/E with TTM EPS of $1.57 and market cap of $1.637B
Named Competitors
FirstCash Holdings — Competitor in U.S. pawn lending market
Regional Pawn Operators — Fragmented competitors in local markets
Alternative Lenders — Online lending and credit platforms serving underserved consumers
Recent Developments
(February 2026) Q1 FY2026 results: 43% net income growth to $44.3M, 19% revenue growth to $382M, 14% pawn loans growth
(January 2026) Acquired controlling interest in Founders One LLC, consolidating 105-store Simple Management Group subsidiary and adding $156.4M financing facility
(Recent) Launched Instant Quote digital tool across U.S. EZPAWN stores for real-time electronics valuation across 15 product categories
Open the full interactive EZCORP, Inc. report
Strategic research, analyst-debate audio, full Cyborg Score breakdown across 11 dimensions, and saved-company audio playlists.