EZPW — EZCORP Inc

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

About EZCORP Inc

EZCORP, Inc. provides pawn services in the United States, Mexico, and Latin America. It operates through U.S. Pawn, Latin America Pawn, and Other Investments segments. The company retails merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. It also provides pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and music… Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$33.41
Market Cap$2.06B
Float55.5M
Shares Outstanding58.6M
P/E (Forward)19.57
P/E (TTM)18.08
Price/Sales (TTM)1.39
vs. Analyst Target+18.5% to analyst PT
Profit Margin9.93%
Operating Margin (TTM)15.18%
Revenue (TTM)$1.48B
Earnings Growth (YoY)82.70%
Dividend RateNone
Analyst Target Price$39.60 (5 analysts)

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 $823M -$68.5M $449M $28.9M
2021 $730M $8.6M $449M $117M
2022 $886M $50.2M $528M $110M
2023 $1.05B $38.5M $610M $100M
2024 $1.16B $83.1M $682M $162M
2025 $1.27B $110M $746M $202M

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Jun 2025 $311M $26.5M
Sep 2025 $337M $26.7M
Dec 2025 $382M $44.3M
Mar 2026 $447M $49.1M

Ownership & Float

Insider Ownership4.5%
Institutional Ownership122.0%
Short Float18.6%
% of All Funds Holding3.33%
Number of Funds Holding274

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$30.96Near-term / short-term trend
Weekly40-Week SMA$23.12Medium-term trend
Weekly80-Week SMA$18.43Cyclical trend (business cycle)
Weekly200-Week SMA$13.03Secular trend (multi-year)
Monthly10-Month SMA$23.22Near-term monthly trend
Monthly20-Month SMA$18.36Medium-term monthly trend
Monthly40-Month SMA$13.93Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$21.40 support 1.26x 2 months ago
$16.60 support 1.01x 7 months ago
$11.70 support 1.36x 14 months ago
$10.60 support 1.09x 20 months ago

Historical Earnings Reactions (106 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap 1.21% 1.02% 59.43% 19.36% -15.28%
1 Day 1.44% 0.82% 53.77% 20.32% -25.45%
1 Week 1.71% 0.80% 51.89% 41.09% -28.42%
2 Weeks 2.32% 0.57% 50.94% 40.76% -38.48%
1 Month 1.61% 0.36% 51.43% 38.45% -38.48%

Next earnings: July 25, 2026 (57 days away)

Seasonality & Day-of-Week Patterns

Monthly Seasonality

MonthAvg ReturnWin RateSamples
Jan4.3%54.3%35
Feb2.5%60.0%35
Mar0.3%51.4%35
Apr4.3%60.0%35
May-3.4%32.4%34
Jun0.8%52.9%34
Jul2.4%50.0%34
Aug-1.9%41.2%34
Sep2.5%45.7%35
Oct-0.3%37.1%35
Nov1.7%48.6%35
Dec5.1%65.7%35

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday 0.02% 45.1% 1646
Tuesday 0.05% 44.6% 1797
Wednesday 0.06% 45.3% 1793
Thursday 0.19% 45.5% 1760
Friday 0.15% 46.1% 1751

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 122.0%

Insider Transactions — Smart Summary

Total insider ownership: 4.5%

12-Month Insider Activity Summary

Total Filings12
Net Value-$2.8M
Net Shares Change-251,566
% of Float-0.5%
C-Suite Filings4
Clusters Detected1

Key Insiders

NameTitleNet ValueFilingsActivity
Powell John Blair Jr. Chief Operating Officer -$1.2M 1 1 sell
Tillett Gary -$760,000 3 3 sell
Kulas Jason A. -$671,216 1 1 sell
Swies Nicole Chief Revenue Officer -$597,415.5 1 1 sell
Bryant Ellen H Chief Legal Officer -$500,000 1 1 sell
ESPINOSA PABLO LAGOS -$500,000 1 1 sell
APPEL MATTHEW W -$499,980.25 1 1 sell
Sajnani Sunil Chief Audit/LP Executive -$491,126.28 1 1 sell

Transaction Clusters

PeriodFilingsInsidersNet ValueSeniority
2026-02-18 – 2026-03-02 7 5 -$2.8M 3 C-suite

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-05-21 APPEL MATTHEW W -$499,980.25 Transaction at $33.25, now +0.5%
2026-05-13 Kulas Jason A. -$671,216 Transaction at $33.56, now -0.4%
2026-03-02 Sajnani Sunil Chief Audit/LP Executive -$491,126.28 Transaction at $26.76, now +24.9%
2026-02-18 Swies Nicole Chief Revenue Officer -$597,415.5 Transaction at $24.75, now +35.0%
2026-02-18 Bryant Ellen H Chief Legal Officer -$500,000 Transaction at $25.00, now +33.6%
2025-06-11 Powell John Blair Jr. Chief Operating Officer -$1.2M Transaction at $14.19, now +135.5%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for EZCORP Inc (EZPW) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for EZPW on Trend Edge →