EZCORP, Inc.: Business Overview, Financials & Competitive Analysis
EZCORP, Inc. scores 7/10 on the AskCyborg Cyborg Score (Strong). Growth-focused pawn lender demonstrating strong earnings acceleration and strategic expansion, capitalizing on resilient demand from underserved consumer segments. 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.
What is EZCORP, Inc.'s industry? EZCORP, Inc. (ezcorp.com) operates in Consumer Finance / Pawn Lending. AskCyborg classifies EZCORP, Inc. under Consumer Finance / Pawn Lending in its company registry.
EZCORP, formed in 1989, is a leading provider of pawn loans in the United States and Latin America, offering merchandise sales from forfeited collateral and used items. The company serves cash and credit-constrained c...
Cyborg Score thesis
Growth-focused pawn lender demonstrating strong earnings acceleration and strategic expansion, capitalizing on resilient demand...
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Get Current Report FreeEZCORP, Inc. Overview
Pro stress-test →EZCORP, formed in 1989, is a leading provider of pawn loans in the United States and Latin America, offering merchandise sales from forfeited collateral and used items. The company serves cash and credit-constrained consumers seeking short-term cash solutions with a focus on industry-leading customer experience.
Strategic Profile
Pro stress-test →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.
Competitive Landscape
Pro stress-test →EZCORP operates under multiple branded banners including EZPAWN, Value Pawn & Jewelry in the U.S. and Empeño Fácil, Cash Apoyo Efectivo, GuatePrenda, and MaxiEfectivo in Latin America, competing against regional pawn operators and alternative lenders. The company differentiates through scale, digital capabilities, and geographic diversification across its 1,500+ store footprint.
Industry Context
EZCORP, Inc. operates in Consumer Finance / Pawn Lending.
Key facts
Founded: 1989 · Headquarters: Austin, United States · Employees: 8,500 · Revenue: $382.0M (Q1 FY2026) · Market cap: $1.637B