Full-Time
Retail Customer Service
EZCORP
1,001-5,000 employees
Non-recourse pawn loans with merchandise sales
No salary listed
Austin, TX, USA
In Person
 Customer Experience & Support (1) |
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- A high school diploma or General Educational Development credential is required.
- Customer service, cashier, or retail experience is required.
- The candidate must have strong communication and interpersonal skills.
- The candidate must be able to work independently and as part of a team.
- The candidate must be able to multitask.
- The candidate must pass a criminal background check and drug test.
- The candidate must adhere to all company policies, procedures, and regulations.
- Provide customer service by greeting customers and interacting with them in person and by phone.
- Process sales, loans, and extensions.
- Perform opening and closing store duties.
- Help customers reach mutually satisfactory agreements regarding pawn items such as jewelry, electronics, and musical instruments.
- Knowledge of commonly pawned items, such as tools, jewelry, firearms, or electronics.
- A sales background.
- Bilingual ability.
EZCORP provides short-term cash solutions through pawn loans and sells pre-owned merchandise. It operates pawn stores in the United States and Latin America where customers can obtain non-recourse loans secured by personal property. In addition to lending, EZCORP sells collateral forfeited merchandise and used goods to value-conscious shoppers. The company targets cash- and credit-constrained consumers and emphasizes a straightforward customer experience in fast-paced locations. Unlike pure lenders, EZCORP combines lending with merchandise sales and brand-wide service standards to differentiate itself. Its goal is to meet customers’ immediate cash needs while offering access to affordable used items, supported by a scalable store network and a focus on service quality.”}
Company Size
1,001-5,000
Company Stage
IPO
Headquarters
Austin, Texas
Founded
1978
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Simplify's Take
What believers are saying
- August 5, 2026 revenue rose 35% to $418.7 million, with EBITDA up 48%.
- Pawn loans outstanding hit a record $382 million, proving stronger demand and larger tickets.
- Cash of $311 million funds store openings and acquisitions after the SMG consolidation.
What critics are saying
- Gold-price normalization already cut scrap margins to 26% in Q3 2026 from 38%.
- EZCORP’s 2015 CFPB order shows regulators can freeze collection tactics and force payouts.
- Latin America expansion depends on Guatemala, Mexico, and SMG integration through 2027.
What makes EZCORP unique
- EZCORP’s pawn collateral model avoids unsecured-credit defaults and underwrites against jewelry and electronics.
- On August 5, 2026, EZCORP operated 1,549 stores across the U.S., Mexico, and Latin America.
- SMG’s July 2026 buyout gives EZCORP control of a 108-store, 12-country platform.
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Benefits
Health Insurance
Life Insurance
Profit Sharing
Performance Bonus
Meal Benefits
Health Savings Account/Flexible Spending Account
Employee Discounts
Training Programs
Employee Referral Bonus
Company News
EZCORP (NASDAQ:EZPW) stock price up 10.7% - here's why. August 21, 2026 Key points. * EZCORP shares rose 10.7% to $31.83 in mid-day trading, reaching a high of $32.07, amid lower-than-average trading volume. * Analyst sentiment remains positive: six analysts rate the stock a Buy and two rate it a Hold, producing a consensus "Moderate Buy" rating and an average price target of $38.80. * EZCORP exceeded quarterly EPS expectations, reporting $0.47 versus the $0.41 consensus estimate, although revenue of $408.4 million fell short of the expected $425.83 million. * Five stocks to consider instead of EZCORP. EZCORP, Inc. (NASDAQ:EZPW - Get Free Report) traded up 10.7% during mid-day trading on Friday. The company traded as high as $32.07 and last traded at $31.83. 597,268 shares traded hands during mid-day trading, a decline of 35% from the average session volume of 922,863 shares. The stock had previously closed at $28.76. Wall Street analysts forecast growth. Several research firms have recently commented on EZPW. Citigroup reaffirmed an "outperform" rating on shares of EZCORP in a report on Monday, May 11th. Citizens Jmp raised their price target on EZCORP from $33.00 to $39.00 and gave the stock a "market outperform" rating in a report on Monday, May 11th. Jefferies Financial Group boosted their price objective on EZCORP from $40.00 to $45.00 and gave the company a "buy" rating in a research report on Wednesday, July 8th. Canaccord Genuity Group set a $44.00 price objective on EZCORP in a research note on Friday, May 8th. Finally, Weiss Ratings lowered EZCORP from a "buy (a-)" rating to a "buy (b+)" rating in a research report on Tuesday, August 11th. Six analysts have rated the stock with a Buy rating and two have given a Hold rating to the company's stock. According to MarketBeat.com, the company has a consensus rating of "Moderate Buy" and an average target price of $38.80. EZCORP stock up 12.6%. The company has a debt-to-equity ratio of 0.44, a quick ratio of 3.45 and a current ratio of 4.81. The firm has a 50 day simple moving average of $31.37 and a two-hundred day simple moving average of $29.55. The stock has a market cap of $1.99 billion, a P/E ratio of 16.35 and a beta of 0.66. EZCORP (NASDAQ:EZPW - Get Free Report) last released its quarterly earnings results on Wednesday, August 5th. The credit services provider reported $0.47 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.41 by $0.06. The company had revenue of $408.40 million during the quarter, compared to analysts' expectations of $425.83 million. EZCORP had a return on equity of 13.99% and a net margin of 9.97%. Equities research analysts predict that EZCORP, Inc. will post 2 earnings per share for the current year. Insider transactions at EZCORP. In related news, Director Pablo Lagos Espinosa sold 10,000 shares of the stock in a transaction dated Monday, July 6th. The shares were sold at an average price of $35.54, for a total value of $355,400.00. Following the completion of the transaction, the director owned 207,543 shares in the company, valued at $7,376,078.22. This represents a 4.60% decrease in their position. The sale was disclosed in a filing with the SEC, which is available at this hyperlink. The transaction was executed under a pre-arranged Rule 10b5-1 trading plan. 2.13% of the stock is owned by corporate insiders. Institutional inflows and outflows. Institutional investors and hedge funds have recently made changes to their positions in the stock. Harbor Investment Advisory LLC acquired a new position in shares of EZCORP during the second quarter valued at approximately $31,000. KBC Group NV acquired a new stake in EZCORP in the first quarter worth approximately $44,000. Deutsche Bank AG boosted its stake in EZCORP by 533.5% during the 4th quarter. Deutsche Bank AG now owns 2,667 shares of the credit services provider's stock valued at $52,000 after purchasing an additional 2,246 shares in the last quarter. CWM LLC increased its position in shares of EZCORP by 21.2% during the 4th quarter. CWM LLC now owns 4,146 shares of the credit services provider's stock valued at $81,000 after purchasing an additional 724 shares during the period. Finally, State of Wyoming increased its position in shares of EZCORP by 178.1% during the 2nd quarter. State of Wyoming now owns 11,069 shares of the credit services provider's stock valued at $154,000 after purchasing an additional 7,089 shares during the period. 99.83% of the stock is currently owned by institutional investors. EZCORP company profile. EZCORP, Inc is a specialty consumer finance company that provides pawn loans and retail merchandise programs primarily through its EZPAWN and Cash Converters brands. The company offers collateral-based loans secured principally by jewelry, electronics, musical instruments and other personal items, alongside check-cashing, money-transfer and bill-payment services. In addition to its pawn lending operations, EZCORP acquires previously pawned or consumer merchandise for resale through its "Sell-It-Now" platform and retail storefronts. Discover more Market Cap Calculator Stock Profit Calculator Founded in 1989 and headquartered in San Antonio, Texas, EZCORP operates in two principal geographic markets: the United States and Mexico. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. Continue following MarketBeat Before you consider EZCORP, you'll want to hear this. MarketBeat keeps track of Wall Street's top-rated and best performing research analysts and the stocks they recommend to their clients on a daily basis. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the broader market catches on... and EZCORP wasn't on the list. While EZCORP currently has a Moderate Buy rating among analysts, top-rated analysts believe these five stocks are better buys. Discover the 10 Best High-Yield Dividend Stocks for 2026 and secure reliable income in uncertain markets. Download the report now to identify top dividend payers and avoid common yield traps.
EZCORP reported a robust third quarter for fiscal 2026, with adjusted EBITDA jumping 48% to $65.6 million and adjusted diluted earnings per share rising 47% to $0.47. The pawnbroker achieved record pawn loan outstanding (PLO) of $382 million, up 31%, driven by higher average loan sizes and new store openings. Core pawn revenues increased 24% whilst gross profit climbed 28%. Latin America delivered particularly strong results, with PLO up 33% and segment EBITDA rising 40%. Merchandise margins expanded significantly, reaching 40% in the US and 36% in Latin America. However, scrap margins declined to 26% from 38% in the prior quarter as gold prices stabilised. The company expects further normalisation towards historical levels of 15-20%. EZCORP also completed acquisitions including full ownership of SMG and 33 stores in Guatemala.
EZCORP reported strong third-quarter fiscal 2026 results, with revenue rising 31% to $408.4 million and adjusted EBITDA increasing 48% to $65.6 million. Adjusted earnings per share climbed 47% to $0.47. The pawn lender's core operations drove growth. Pawn loans outstanding reached a record $382 million, up 31% year over year, whilst merchandise margins expanded to 38%. Core pawn revenue rose 24% and gross profit increased 28%. The company completed its acquisition of SMG during the quarter, raising its ownership to 100%. Management plans to integrate SMG's systems whilst pursuing further Latin American acquisitions and new store openings. EZCORP ended the quarter with $311 million in cash. The company operates 1,549 stores across the US and Latin America.
EZCORP stock has surged 476% over five years but now appears fairly valued rather than a bargain, according to Simply Wall St analysis. The pawn services company trades at 14.3 times earnings, well above the Consumer Finance industry average of 8.8 times. Despite strong recent performance, including 140% returns over the past year and 46% revenue growth, the stock scores zero out of six on Simply Wall St's valuation checks, flagging it as expensive. The firm's fair P/E estimate of 13.6 times sits close to the current 14.3 times multiple. Ongoing store expansion and revenue growth support higher earnings expectations. However, rising costs and continued investment requirements may limit how much investors will pay for shares following the multi-year rally.
EZCORP has gained 55.8% year-to-date, though shares have declined 5.3% over the past month. The pawn broker's one-year total shareholder return stands at 137.3%, demonstrating strong underlying momentum despite recent cooling. The stock currently trades at $31.25, approximately 27% below the average analyst price target of $39.60. Analysts view EZCORP as 21.1% undervalued, pointing to its store expansion across Latin America, including recent acquisitions in Mexico and new locations in Guatemala and El Salvador, as key growth drivers. However, valuations diverge significantly. Whilst analysts' models suggest upside potential, the Simply Wall St discounted cash flow model indicates a fair value of $20.21, implying the stock may be overvalued relative to projected cash flows. Key risks include execution of expansion plans and competition from fintech rivals.