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EZPW Class A EZCORP, Inc. - Class A Non-Voting Common Stock
NASDAQ · Financial Services · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 5, 2026
$30.20
· of 52w range
· above low
· to high
$16.5052w low
$37.1352w high
Market Cap (MRQ)
$1.86B
P/E (TTM)
15.2
EPS (TTM)
$1.99
Revenue (TTM)
$1.58B
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52W Range
$16–$37
Analyst Rating
BUY
Price Target
$41
P/E
15.2
ROE
14.7%
Net Profit Margin
10.0%
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EZPW Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$30.20
Market Cap (MRQ)
$1.86B
P/E (TTM)
15.2
EPS (TTM)
$1.99
Revenue (TTM)
$1.58B
ROE (TTM)
14.7%
Debt/Equity (MRQ)
0.4
52W Range
$17–$37
EZPW Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| Dec. 12, 2006 | 3-for-1 | Forward |
About EZCORP, Inc. - Class A Non-Voting Common Stock Company overview from Wikipedia
EZCORP, Inc. is an American pawn shop operator based in Austin, Texas which provides services across the United States and Latin America. It is a publicly traded company listed on the NASDAQ stock exchange and is the second largest pawn shop operator in the U.S. after Cash America International.
As of September 30, 2021, the company operated 1,148 stores, 516 in the U.S (with 44% located in Texas, 18% in Florida and the remainder spread across 18 other states), 508 locations in Mexico, 90 in Guatemala, 18 in El Salvador and 16 in Honduras.
The company has a dual share structure and Phillip E. Cohen owns 100% of the Class B Voting Common Stock through his ownership of the MS Pawn Corporation, the A class of shares does not have voting power. Cohen serves as Executive Chairman of EZCorp.
As of October 2021, the Company owns 37.72% of Cash Converters International, which franchises and operates a worldwide network of over 750 stores that provide personal financial services and sell pre-owned merchandise. Cash Converters is listed on the Australian Stock Exchange (ASX) under the ticker "CCV".
EZCORP owns approximately 13% of Rich Data Corporation (“RDC”), a Singapore-based firm that creates software to assess credit risk of individuals.
History
The company was founded in 1989. In 1994, the company had grown to operate 234 pawn shops in nine states. The company expanded its business to offer payday loan services in its EZPAWN locations in 2001. The first stand-alone payday loan stores were opened and branded EZMONEY in 2003. EZCORP then entered into international markets. EZPAWN opened 4 new stores along the Texas/Mexico border and acquired 20 stores in the interior of Mexico, which were branded Empeño Fácil in 2007. In late 2008 EZCORP purchased the Las Vegas based loan providers, Pawn Plus and ASAP Pawn. In 2009, EZCORP expanded to Canada, operating under the name CashMax.
The company also acquired 30% interest in Cash Converters International in November 2009. The company reports it acquired Value Financial Services in January 2009. In 2010, EZCORP increased interest in Cash Converters International to 33%. The company was also listed on Fortune Magazine's 100 Fastest Growing Companies for 2010. EZCORP acquired the Cash Converters master franchise rights in Canada in 2011. In 2012, EZCORP acquired a controlling interest in Grupo Finmart, a specialty consumer finance company headquartered in Mexico City and operating under the name "Crediamigo"; and TUYO, a company headquartered in Mexico City that owns and operates buy/sell stores in Mexico City and the surrounding metropolitan area.
In 2015, EZCORP acquired USA Pawn & Jewelry, which operated in Arizona and Oregon.
As per the company's website, effective July 29, 2015, EZCORP, Inc. announced the closure of its U.S. Financial Services business which offered payday loans, auto title loans, installment loans and lines of credit. All stores are now closed.
Description
EZCORP, Inc. provides pawn loans in the United States and Latin America. The company also sells merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. It offers pawn loans, which are nonrecourse loans collateralized by tangible personal property, including jewelry, consumer electronics, tools, sporting goods, and musical instruments. In addition, the company offers Lana, a web-based engagement platform to manage pawn loans.
Source: Wikipedia, CC BY-SA 4.0 · View on Wikipedia ↗
sectorFinancial Services
industryFinancial Services
employees8,500
countryUS
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$1.27B2023-09-30 → 2025-09-30
EPS$1.422023-09-30 → 2025-09-30
Free Cash Flow$110M2023-09-30 → 2025-09-30
Net margin10.0%2023-09-30 → 2025-09-30
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | EZPW | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 15.2 | · | 15.1 | Fair value | |
| P/S (TTM) | 1.2 | · | 1.6 | Undervalued | |
| P/B (MRQ) | 1.6 | · | 3.2 | Undervalued | |
| EV / EBITDA | 10.5 | · | · | · | |
| Price / FCF (TTM) | 13.4 | · | · | · | |
| Price / Cash Flow (TTM) | 10.2 | · | 7.2 | Overvalued | |
| EV / Revenue | 1.5 | · | · | · | |
| EV / FCF | 17.3 | · | · | · | |
| Price / Tangible Book (MRQ) | 1.8 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | EZPW | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Gross Margin (TTM) | 58.6% | · | · | · | |
| Operating Margin (TTM) | 13.9% | · | 19.3% | Below avg | |
| EBITDA Margin (TTM) | 16.2% | · | 10.7% | Top tier | |
| Pretax Margin (TTM) | 13.4% | · | 17.9% | Weak | |
| Net Profit Margin (TTM) | 10.0% | · | 13.0% | Weak | |
| ROA (TTM) | 7.8% | · | 5.1% | Top tier | |
| ROE (TTM) | 14.7% | · | 22.6% | Weak | |
| ROIC | 7.2% | · | 42.5% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
| Metric | 5Y trend | EZPW | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Debt / Equity (MRQ) | 0.4 | · | · | · | |
| Current Ratio (MRQ) | 4.8 | · | · | · | |
| Quick Ratio | 2.3 | · | · | · | |
| Long-Term Debt / Equity (MRQ) | 0.4 | · | · | · |
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | EZPW | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 9.7% | · | · | · | |
| Revenue CAGR 3Y | 12.9% | · | · | · | |
| Revenue CAGR 5Y | 9.1% | · | · | · | |
| EPS YoY | 29.1% | · | · | · | |
| Net Income YoY | 31.9% | · | · | · | |
| EPS CAGR 3Y | 26.6% | · | · | · | |
| Net Income CAGR 3Y | 29.8% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | EZPW | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.7 | · | 0.4 | Top tier | |
| Revenue / Employee | ≈$149.9K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Annualized Payout≈$0.02
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Feb 4, 2000 | $0.00 | USD | ≈1.2% |
| Nov 29, 1999 | $0.00 | USD | ≈1.3% |
| Aug 6, 1999 | $0.00 | USD | ≈1.0% |
| May 7, 1999 | $0.00 | USD | ≈0.66% |
| Feb 5, 1999 | $0.00 | USD | ≈0.44% |
| Nov 20, 1998 | $0.00 | USD | ≈0.28% |
| Aug 7, 1998 | $0.00 | USD | ≈0.13% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
22.8%
Next Report
Nov 11, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | $0.47 | $0.41 | 15.8% | |
| March 31, 2026 | $0.58 | $0.42 | 38.7% | |
| Dec. 31, 2025 | $0.55 | $0.42 | 31.0% | |
| Sept. 30, 2025 | $0.34 | $0.30 | 13.3% | |
| June 30, 2025 | $0.33 | $0.25 | 30.4% | |
| March 31, 2025 | $0.34 | $0.32 | 7.5% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue | $1.27B | · | · | · | $730M | · | |
| Gross Profit | $746M | · | · | · | $449M | · | |
| SG&A Expense | $84M | · | · | · | $56M | · | |
| Operating Expenses | $597M | · | · | · | $418M | · | |
| Operating Income | $149M | · | · | · | $31M | · | |
| Interest Expense | · | · | · | · | $22M | · | |
| Interest Income | $15M | · | · | · | $2M | · | |
| Other Non-op | $-238.0K | · | · | · | $790.0K | · | |
| Pretax Income | $147M | · | · | · | $16M | · | |
| Income Tax | $37M | · | · | · | $7M | · | |
| Net Income | $110M | · | · | · | $9M | · | |
| EPS (Basic) | $1.91 | · | · | · | $0.15 | · | |
| EPS (Diluted) | $1.42 | · | · | · | $0.15 | · | |
| Shares (Basic) | 57,466,000 | · | · | · | 55,744,000 | · | |
| Shares (Diluted) | 83,383,000 | · | · | · | 55,949,000 | · | |
| EBITDA | $182M | · | · | · | $62M | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $470M | $175M | $219M | $208M | $254M | $290M | |
| Receivables | · | · | · | $23M | $9M | $10M | |
| Inventory | $248M | $199M | $165M | $156M | $111M | $95M | |
| Prepaid Expense | $51M | $37M | $44M | $46M | $31M | $33M | |
| Current Assets | $1.13B | $740M | $719M | $662M | $611M | $599M | |
| PP&E (Net) | $75M | $63M | $69M | $56M | $54M | $55M | |
| PP&E (Gross) | $310M | $281M | $352M | $313M | $285M | $274M | |
| Accum. Depreciation | $235M | $218M | $283M | $257M | $231M | $219M | |
| Goodwill | $325M | $305M | $304M | $297M | $286M | $258M | |
| Intangibles | $59M | $57M | $57M | $58M | $62M | $59M | |
| Other Non-current Assets | $16M | $16M | $14M | $8M | $5M | $6M | |
| Total Assets | $1.95B | $1.50B | $1.48B | $1.40B | $1.27B | $1.20B | |
| Accounts Payable | $23M | $15M | $18M | $20M | $22M | $68M | |
| Current Liabilities | $201M | $254M | $180M | $139M | $155M | $123M | |
| Capital Leases | $185M | $182M | $188M | $189M | $161M | $144M | |
| Deferred Tax | $3M | $2M | $372.0K | $0 | $4M | $172.0K | |
| Other Non-current Liabilities | $20M | $12M | $11M | $10M | $10M | $11M | |
| Total Liabilities | $926M | $675M | $706M | $697M | $595M | $533M | |
| Long-term Debt | $518M | $328M | $361M | $359M | $311M | $255M | |
| Total Debt | $518M | · | · | · | $264M | · | |
| Paid-in Capital | $451M | $346M | $344M | $343M | $341M | $398M | |
| Retained Earnings | $613M | $536M | $458M | $415M | $353M | $322M | |
| AOCI | $-39M | $-59M | $-27M | $-53M | $-58M | $-57M | |
| Stockholders' Equity | $1.03B | $824M | $775M | $705M | $672M | $665M | |
| Liabilities + Equity | $1.95B | $1.50B | $1.48B | $1.40B | $1.27B | $1.20B | |
| Shares Outstanding | 60,892,000 | 55,021,000 | 55,243,000 | 55,848,000 | 56,057,000 | · |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| D&A | $33M | · | · | · | $31M | · | |
| Stock-based Comp | $12M | · | · | · | $4M | · | |
| Deferred Tax | $-3M | · | · | · | $3M | · | |
| Amort. of Intangibles | $11M | · | · | · | $11M | · | |
| Other Non-cash | $-3M | · | · | · | $-75.0K | · | |
| Operating Cash Flow | $149M | · | · | · | $46M | · | |
| CapEx | $39M | · | · | · | $24M | · | |
| Investing Cash Flow | $-118M | · | · | · | $-85M | · | |
| Net Debt Issued | $-6M | · | · | · | · | · | |
| Stock Repurchased | $7M | · | · | · | $0 | · | |
| Net Stock Activity | $-7M | · | · | · | $0 | · | |
| Financing Cash Flow | $274M | · | · | · | $-16M | · | |
| Net Change in Cash | $305M | · | · | · | $-49M | · | |
| Taxes Paid | $39M | · | · | · | $4M | · | |
| Free Cash Flow | $110M | · | · | · | $23M | · | |
| Levered FCF | · | · | · | · | $11M | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Gross Margin | 58.6% | · | · | · | 61.6% | · | |
| Operating Margin | 11.7% | · | · | · | 4.3% | · | |
| Net Margin | 8.6% | · | · | · | 1.2% | · | |
| Pretax Margin | 11.5% | · | · | · | 2.2% | · | |
| EBITDA Margin | 14.3% | · | · | · | 8.5% | · | |
| ROA | 6.3% | · | · | · | 0.69% | · | |
| ROE | 11.7% | · | · | · | 1.3% | · | |
| ROIC | 7.2% | · | · | · | 1.8% | · |
Liquidity & Solvency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Current Ratio | 5.6 | · | · | · | 3.9 | · | |
| Quick Ratio | 2.3 | · | · | · | 1.7 | · | |
| Debt / Equity | 0.5 | · | · | · | 0.4 | · | |
| LT Debt / Equity | 0.5 | · | · | · | 0.4 | · | |
| Interest Coverage | · | · | · | · | 1.4 | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.7 | · | · | · | 0.6 | · | |
| Receivables Turnover | · | · | · | · | 88.8 | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Book Value / Share | $16.84 | · | · | · | · | · | |
| Revenue / Share | $15.28 | · | · | · | $13.04 | · | |
| Cash Flow / Share | $1.79 | · | · | · | $0.83 | · | |
| Cash / Share | $7.71 | · | · | · | · | · | |
| EPS (TTM) | $1.42 | · | · | · | $0.15 | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue YoY | 9.7% | · | · | · | -11.3% | · | |
| Revenue CAGR 3Y | 12.9% | · | · | · | · | · | |
| Revenue CAGR 5Y | 9.1% | · | · | · | · | · | |
| EPS YoY | 29.1% | · | · | · | · | · | |
| EPS CAGR 3Y | 26.6% | · | · | · | · | · | |
| Net Income YoY | 31.9% | · | · | · | · | · | |
| Net Income CAGR 3Y | 29.8% | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
| Revenue TTM | $1.27B | · | · | · | $730M | · | |
| Net Income TTM | $110M | · | · | · | $9M | · | |
| Market Cap | $1.16B | · | · | · | · | · | |
| Enterprise Value | $1.21B | · | · | · | · | · | |
| P/E | 13.4 | · | · | · | 50.5 | · | |
| P/S | 0.9 | · | · | · | · | · | |
| P/B | 1.1 | · | · | · | · | · | |
| P / Tangible Book | 1.8 | · | · | · | · | · | |
| P / Cash Flow | 7.8 | · | · | · | · | · | |
| P / FCF | 10.5 | · | · | · | · | · | |
| EV / EBITDA | 6.6 | · | · | · | · | · | |
| EV / FCF | 10.9 | · | · | · | · | · | |
| EV / Revenue | 0.9 | · | · | · | · | · | |
| Earnings Yield | 7.5% | · | · | · | 2.0% | · |
Income Statement
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $419M | $447M | $382M | $337M | $311M | $306M | $320M | $295M | $281M | $286M | $300M | $270M | $256M | $258M | $264M | $233M | |
| Gross Profit | $246M | $260M | $223M | $199M | $184M | $178M | $185M | $175M | $167M | $168M | $173M | $159M | $149M | $149M | $152M | $138M | |
| SG&A Expense | $34M | $34M | $27M | $18M | $28M | $25M | $24M | $21M | $20M | $18M | $17M | $19M | $18M | $16M | $15M | $18M | |
| Operating Expenses | $191M | $192M | $162M | $162M | $148M | $144M | $143M | $149M | $145M | $140M | $135M | $143M | $128M | $122M | $124M | $123M | |
| Operating Income | $55M | $68M | $61M | $37M | $36M | $34M | $42M | $26M | $22M | $27M | $37M | $17M | $21M | $27M | $28M | $15M | |
| Interest Expense | · | · | · | · | · | · | · | · | $4M | $3M | $3M | · | $3M | $3M | $6M | · | |
| Interest Income | $3M | $3M | $5M | $5M | $5M | $2M | $2M | $2M | $3M | $3M | $3M | $2M | $3M | $2M | $664.0K | $68.0K | |
| Other Non-op | $861.0K | $2M | $92.0K | $139.0K | $536.0K | $65.0K | $-978.0K | $750.0K | $191.0K | $165.0K | $271.0K | $-3M | $5.0K | $-80.0K | $234.0K | $208.0K | |
| Pretax Income | $52M | $65M | $59M | $36M | $35M | $34M | $41M | $26M | $23M | $29M | $38M | $13M | $21M | $-7M | $25M | $13M | |
| Income Tax | $14M | $16M | $15M | $10M | $8M | $9M | $10M | $11M | $5M | $7M | $9M | $3M | $3M | $-550.0K | $8M | $6M | |
| Net Income | $38M | $49M | $44M | $27M | $27M | $25M | $31M | $15M | $18M | $21M | $28M | $10M | $18M | $-7M | $17M | $7M | |
| EPS (Basic) | $0.62 | $0.80 | $0.72 | $0.43 | $0.45 | $0.46 | $0.57 | $0.27 | $0.33 | $0.39 | $0.52 | $0.18 | $0.33 | $-0.12 | $0.30 | $0.13 | |
| EPS (Diluted) | $0.48 | $0.61 | $0.55 | $0.35 | $0.34 | $0.33 | $0.40 | $0.20 | $0.25 | $0.29 | $0.36 | $0.16 | $0.24 | $-0.12 | $0.25 | $0.12 | |
| Shares (Basic) | 61,535,000 | 61,653,000 | 61,243,000 | · | 59,134,000 | 54,965,000 | 54,827,000 | · | 54,898,000 | 55,093,000 | 55,076,000 | · | 55,367,000 | 55,648,000 | 56,308,000 | · | |
| Shares (Diluted) | 83,358,000 | 83,410,000 | 83,282,000 | · | 82,918,000 | 83,140,000 | 83,347,000 | · | 83,008,000 | 83,045,000 | 86,812,000 | · | 86,825,000 | 55,648,000 | 83,779,000 | · | |
| EBITDA | $55M | $68M | $69M | · | $36M | $34M | $50M | · | $22M | $27M | $46M | · | $21M | $27M | $36M | · |
Balance Sheet
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $311M | $354M | $466M | $470M | $472M | $505M | $175M | $171M | $218M | $229M | $219M | $221M | $238M | $243M | $208M | $206M | |
| Receivables | · | · | · | · | · | · | · | · | $31M | $34M | $34M | · | $30M | $28M | $23M | · | |
| Inventory | $316M | $276M | $253M | $248M | $225M | $208M | $199M | $192M | $172M | $163M | $165M | · | $155M | $150M | $156M | · | |
| Prepaid Expense | $43M | $59M | $56M | $51M | $43M | $40M | $37M | $39M | $40M | $47M | $44M | · | $45M | $46M | $46M | · | |
| Current Assets | $1.12B | $1.09B | $1.15B | $1.13B | $1.09B | $1.07B | $740M | $729M | $742M | $722M | $719M | · | $711M | $687M | $662M | · | |
| PP&E (Net) | $89M | $87M | $75M | $75M | $67M | $64M | $63M | $66M | $60M | $63M | $69M | · | $62M | $60M | $56M | · | |
| PP&E (Gross) | $349M | $339M | $316M | $310M | $296M | $284M | $281M | $281M | $278M | $281M | $352M | · | $335M | $325M | $313M | · | |
| Accum. Depreciation | $260M | $252M | $241M | $235M | $229M | $220M | $218M | $215M | $218M | $218M | $283M | · | $273M | $266M | $257M | · | |
| Goodwill | $475M | $474M | $331M | $325M | $322M | $305M | $305M | $306M | $309M | $311M | $304M | $302M | $302M | $300M | $297M | $287M | |
| Intangibles | $125M | $125M | $60M | $59M | $58M | $57M | $57M | $58M | $60M | $62M | $57M | · | $60M | $60M | $58M | · | |
| Other Non-current Assets | $18M | $19M | $17M | $16M | $15M | $15M | $16M | $16M | $16M | $16M | $14M | · | $11M | $10M | $8M | · | |
| Total Assets | $2.17B | $2.13B | $1.99B | $1.95B | $1.88B | $1.83B | $1.50B | $1.49B | $1.51B | $1.51B | $1.48B | · | $1.46B | $1.42B | $1.40B | · | |
| Accounts Payable | $26M | $25M | $17M | $23M | $22M | $15M | $15M | $21M | $15M | $11M | $18M | · | $19M | $18M | $20M | · | |
| Current Liabilities | $232M | $232M | $190M | $201M | $172M | $264M | $254M | $269M | $286M | $173M | $180M | · | $150M | $145M | $139M | · | |
| Capital Leases | $221M | $212M | $186M | $185M | $184M | $183M | $182M | $181M | $189M | $197M | $188M | · | $197M | $192M | $189M | · | |
| Deferred Tax | $3M | $3M | $3M | $3M | $2M | $2M | $2M | $2M | $416.0K | $465.0K | $372.0K | · | $349.0K | $368.0K | $0 | · | |
| Other Non-current Liabilities | $23M | $20M | $20M | $20M | $17M | $12M | $12M | $12M | $9M | $10M | $11M | · | $11M | $11M | $10M | · | |
| Total Liabilities | $999M | $985M | $917M | $926M | $893M | $978M | $675M | $689M | $709M | $708M | $706M | · | $719M | $708M | $697M | · | |
| Long-term Debt | $519M | $519M | $519M | $518M | $518M | $621M | $328M | $327M | $361M | $361M | $361M | · | · | · | · | · | |
| Total Debt | $519M | $519M | $519M | · | $518M | $621M | $328M | · | $361M | $361M | $361M | · | $360M | $359M | $359M | · | |
| Paid-in Capital | $454M | $451M | $448M | $451M | $448M | $348M | $346M | $348M | $347M | $345M | $344M | · | $345M | $343M | $343M | · | |
| Retained Earnings | $739M | $704M | $657M | $613M | $587M | $561M | $536M | $507M | $494M | $478M | $458M | · | $423M | $406M | $415M | · | |
| AOCI | $-29M | $-36M | $-35M | $-39M | $-45M | $-58M | $-59M | $-52M | $-40M | $-23M | $-27M | · | $-29M | $-37M | $-53M | · | |
| Stockholders' Equity | $1.16B | $1.12B | $1.07B | $1.03B | $990M | $852M | $824M | $805M | $801M | $800M | $775M | $746M | $739M | $713M | $705M | $692M | |
| Liabilities + Equity | $2.17B | $2.13B | $1.99B | $1.95B | $1.88B | $1.83B | $1.50B | $1.49B | $1.51B | $1.51B | $1.48B | · | $1.46B | $1.42B | $1.40B | · | |
| Shares Outstanding | 61,473,000 | 61,592,000 | 61,695,000 | 60,892,000 | 60,963,000 | 55,014,000 | 55,021,000 | 54,553,000 | 54,742,000 | 55,027,000 | 55,243,000 | 54,840,000 | · | · | · | 56,425,000 |
Cash Flow
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $10M | $10M | $9M | $8M | $8M | $8M | $8M | $8M | $8M | $8M | $9M | $8M | $8M | $8M | $8M | $9M | |
| Stock-based Comp | $4M | $5M | $3M | $3M | $4M | $2M | $3M | $2M | $3M | $3M | $2M | $3M | $3M | $2M | $2M | $1M | |
| Other Non-cash | · | · | $-17M | · | · | · | $-16M | · | · | · | $-18M | · | · | · | $-15M | · | |
| Operating Cash Flow | $43M | $48M | $39M | $51M | $35M | $37M | $26M | $43M | $34M | $15M | $21M | $28M | $27M | $35M | $12M | $18M | |
| CapEx | $10M | $10M | $7M | $16M | $9M | $8M | $6M | $19M | $3M | $6M | $7M | $13M | $9M | $11M | $7M | $14M | |
| Investing Cash Flow | $-68M | $-27M | $-31M | $-52M | $-51M | $-741.0K | $-14M | $-53M | $-41M | $-1M | $-17M | $-40M | $-30M | $4M | $-45M | $-32M | |
| Stock Repurchased | $4M | $4M | $0 | $999.0K | $2M | $997.0K | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $4M | $7M | $2M | |
| Net Stock Activity | · | · | $0 | · | $-2M | · | $-3M | · | · | · | $-3M | · | · | · | $-7M | · | |
| Financing Cash Flow | $-19M | $-139M | $-7M | $-1M | $-11M | $294M | $-7M | $-38M | $-3M | $-3M | $-6M | $-3M | $-3M | $-4M | $34M | $-2M | |
| Net Change in Cash | $-43M | $-116M | $1M | $-2M | $-28M | $331M | $4M | $-47M | $-10M | $11M | $-2M | $-18M | $-5M | $36M | $2M | $-17M | |
| Free Cash Flow | · | · | $32M | · | · | · | $20M | · | · | · | $14M | · | · | · | $4M | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | · | $12M | · | · | · | $253.6K | · |
Profitability
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 58.8% | 58.2% | 58.4% | · | 59.1% | 58.3% | 57.9% | · | 59.2% | 58.7% | 57.5% | · | 58.2% | 57.7% | 57.7% | · | |
| Operating Margin | 13.1% | 15.2% | 15.9% | · | 11.6% | 11.2% | 13.1% | · | 7.9% | 9.6% | 12.4% | · | 8.1% | 10.3% | 10.7% | · | |
| Net Margin | 9.1% | 11.0% | 11.6% | · | 8.5% | 8.3% | 9.7% | · | 6.4% | 7.5% | 9.5% | · | 7.1% | -2.6% | 6.3% | · | |
| Pretax Margin | 12.4% | 14.6% | 15.5% | · | 11.2% | 11.2% | 12.9% | · | 8.2% | 10.0% | 12.6% | · | 8.3% | -2.8% | 9.3% | · | |
| EBITDA Margin | 13.1% | 15.2% | 18.2% | · | 11.6% | 11.2% | 15.7% | · | 7.9% | 9.6% | 15.2% | · | 8.1% | 10.3% | 13.7% | · | |
| ROA | 1.9% | 2.5% | 2.5% | · | 1.6% | 1.5% | 2.1% | · | 1.2% | 1.5% | 2.0% | · | 1.3% | -0.50% | 1.2% | · | |
| ROE | 3.5% | 5.0% | 4.7% | · | 3.0% | 3.1% | 3.9% | · | 2.3% | 2.8% | 3.9% | · | 2.6% | -0.98% | 2.5% | · | |
| ROIC | 2.4% | 3.1% | 2.9% | · | 1.8% | 1.7% | 2.7% | · | 1.5% | 1.8% | 2.5% | · | 1.6% | 2.3% | 1.8% | · |
Liquidity & Solvency
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 4.8 | 4.7 | 6.0 | · | 6.3 | 4.0 | 2.9 | · | 2.6 | 4.2 | 4.0 | · | 4.7 | 4.7 | 4.8 | · | |
| Quick Ratio | 1.3 | 1.5 | 2.5 | · | 2.7 | 1.9 | 0.7 | · | 0.9 | 1.5 | 1.4 | · | 1.8 | 1.9 | 1.7 | · | |
| Debt / Equity | 0.4 | 0.5 | 0.5 | · | 0.5 | 0.7 | 0.4 | · | 0.5 | 0.5 | 0.5 | · | 0.5 | 0.5 | 0.5 | · | |
| LT Debt / Equity | 0.4 | 0.5 | 0.5 | · | 0.5 | 0.6 | 0.3 | · | 0.3 | 0.4 | 0.4 | · | 0.5 | 0.5 | 0.5 | · | |
| Interest Coverage | · | · | · | · | · | · | · | · | 6.3 | 8.0 | 10.8 | · | 6.0 | 7.9 | 4.6 | · |
Efficiency
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.2 | 0.2 | 0.2 | · | 0.2 | 0.2 | 0.2 | · | 0.2 | 0.2 | 0.2 | · | 0.2 | 0.2 | 0.2 | · | |
| Receivables Turnover | · | · | · | · | · | · | · | · | 9.3 | 9.3 | 10.6 | · | 13.7 | 14.3 | 18.2 | · |
Per Share
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $18.94 | $18.18 | $17.35 | · | $16.24 | $15.48 | $14.97 | · | $14.64 | $14.55 | $14.03 | · | · | · | · | · | |
| Revenue / Share | $5.02 | $5.36 | $4.59 | · | $3.75 | $3.68 | $3.84 | · | $3.39 | $3.44 | $3.46 | · | $2.95 | $4.64 | $3.16 | · | |
| Cash Flow / Share | · | · | $0.47 | · | · | · | $0.31 | · | · | · | $0.25 | · | · | · | $0.14 | · | |
| Cash / Share | $5.06 | $5.75 | $7.55 | · | $7.74 | $9.18 | $3.17 | · | $3.98 | $4.16 | $3.96 | · | · | · | · | · | |
| EPS (TTM) | $1.99 | $1.85 | $1.57 | · | $1.27 | $1.18 | $1.14 | · | $1.06 | $1.05 | $0.64 | · | $0.49 | $0.42 | $0.74 | · |
Valuation (TTM)
| Metric | Trend | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $1.58B | $1.48B | $1.34B | · | $1.23B | $1.20B | $1.18B | · | $1.14B | $1.11B | $1.08B | · | $1.01B | $972M | $930M | · | |
| Net Income TTM | $158M | $147M | $123M | · | $98M | $90M | $86M | · | $78M | $78M | $50M | · | $36M | $30M | $51M | · | |
| Market Cap | $2.13B | $1.56B | $1.20B | · | $846M | $810M | $672M | · | $573M | $623M | $483M | · | · | · | · | · | |
| Enterprise Value | $2.33B | $1.73B | $1.25B | · | $892M | $925M | $826M | · | $716M | $755M | $625M | · | · | · | · | · | |
| P/E | 17.4 | 13.7 | 12.4 | · | 10.9 | 12.5 | 10.7 | · | 9.9 | 10.8 | 13.7 | · | 17.1 | 20.5 | 11.0 | · | |
| P/S | 1.3 | 1.1 | 0.9 | · | 0.7 | 0.7 | 0.6 | · | 0.5 | 0.6 | 0.4 | · | · | · | · | · | |
| P/B | 1.8 | 1.4 | 1.1 | · | 0.9 | 1.0 | 0.8 | · | 0.7 | 0.8 | 0.6 | · | · | · | · | · | |
| P / Tangible Book | 3.8 | 3.0 | 1.8 | · | 1.4 | 1.7 | 1.5 | · | 1.3 | 1.5 | 1.2 | · | · | · | · | · | |
| P / Cash Flow | · | · | 30.6 | · | · | · | 25.9 | · | · | · | 22.5 | · | · | · | · | · | |
| EV / Revenue | 1.5 | 1.2 | 0.9 | · | 0.7 | 0.8 | 0.7 | · | 0.6 | 0.7 | 0.6 | · | · | · | · | · | |
| Earnings Yield | 5.8% | 7.3% | 8.1% | · | 9.2% | 8.0% | 9.3% | · | 10.1% | 9.3% | 7.3% | · | 5.9% | 4.9% | 9.1% | · |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Revenue | $1.27B | · | · | · | $1.16B |
| Gross Margin % | 58.6% | · | · | · | 58.7% |
| Operating Margin % | 11.7% | · | · | · | 9.7% |
| Net Income | $110M | · | · | · | $83M |
| Diluted EPS | $1.42 | · | · | · | $1.10 |
| Metric | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Debt / Equity | 0.5 | · | · | · | 0.4 |
| Current Ratio | 5.6 | · | · | · | 2.7 |
| Quick Ratio | 2.3 | · | · | · | 0.6 |
| Metric | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Free Cash Flow | $110M | · | · | · | $78M |
Institutional owners (13F) 340 filers · $2.5B total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
340
Value held
$2.5B
New positions
61
Exited positions
37
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 61 (-18 vs prior Q) | 37 (+10 vs prior Q) | 81 (-13 vs prior Q) | 116 (+33 vs prior Q) | +1.0M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| FMR LLC | $286,364,968 | 8,283,627 | 11.57% | Shares |
| BlackRock, Inc. | $235,510,027 | 6,812,555 | 9.52% | Shares |
| Capital Research Global Investors | $121,929,116 | 3,527,021 | 4.93% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $105,923,196 | 3,064,188 | 4.28% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $86,560,030 | 2,503,906 | 3.50% | Shares |
| TWO SIGMA INVESTMENTS, LP | $86,298,197 | 2,496,332 | 3.49% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $69,218,336 | 2,002,266 | 2.80% | Shares |
| VANGUARD GROUP INC | $68,887,323 | 3,547,236 | 2.78% | Shares |
| UBS Group AG | $65,916,244 | 1,906,747 | 2.66% | Shares |
| MORGAN STANLEY | $53,188,986 | 1,538,587 | 2.15% | Shares |
| Ophir Asset Management Pty Ltd | $51,495,921 | 1,489,613 | 2.08% | Shares |
| Atlas FRM LLC | $50,126,500 | 1,450,000 | 2.03% | Shares |
| STATE STREET CORP | $46,619,754 | 1,348,561 | 1.88% | Shares |
| GOLDMAN SACHS GROUP INC | $45,551,783 | 1,317,668 | 1.84% | Shares |
| Invesco Ltd. | $40,957,395 | 1,184,767 | 1.65% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $36,507,994 | 1,056,060 | 1.48% | Shares |
| Capital World Investors | $36,347,175 | 1,051,408 | 1.47% | Shares |
| Stephens Investment Management Group LLC | $35,913,252 | 1,038,856 | 1.45% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $35,691,479 | 1,032,142 | 1.44% | Shares |
| Qube Research & Technologies Ltd | $33,423,659 | 966,840 | 1.35% | Shares |
| ROYCE & ASSOCIATES LP | $29,450,702 | 851,915 | 1.19% | Shares |
| JPMORGAN CHASE & CO | $27,456,312 | 824,019 | 1.11% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $25,002,130 | 723,232 | 1.01% | Shares |
| SILVERCREST ASSET MANAGEMENT GROUP LLC | $24,637,901 | 712,696 | 1.00% | Shares |
| HEARTLAND ADVISORS INC | $24,403,170 | 705,906 | 0.99% | Shares |
| TWO SIGMA ADVISERS, LP | $23,551,993 | 1,212,770 | 0.95% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $23,455,641 | 678,497 | 0.95% | Shares |
| OBERWEIS ASSET MANAGEMENT INC/ | $21,841,326 | 631,800 | 0.88% | Shares |
| FIRST WILSHIRE SECURITIES MANAGEMENT INC | $21,836,037 | 631,647 | 0.88% | Shares |
| WELLS FARGO & COMPANY/MN | $19,192,262 | 555,171 | 0.78% | Shares |
| TUDOR INVESTMENT CORP ET AL | $18,196,645 | 526,371 | 0.74% | Shares |
| WASATCH ADVISORS LP | $18,119,645 | 713,934 | 0.73% | Shares |
| Penn Capital Management Company, LLC | $16,426,617 | 474,692 | 0.66% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $15,833,544 | 458,014 | 0.64% | Shares |
| Driehaus Capital Management LLC | $15,445,288 | 446,783 | 0.62% | Shares |
| VOLORIDGE INVESTMENT MANAGEMENT, LLC | $15,070,411 | 435,939 | 0.61% | Shares |
| Empowered Funds, LLC | $14,728,376 | 426,045 | 0.60% | Shares |
| FIRST TRUST ADVISORS LP | $14,437,261 | 417,624 | 0.58% | Shares |
| MILLENNIUM MANAGEMENT LLC | $13,895,273 | 401,946 | 0.56% | Shares |
| D. E. Shaw & Co., Inc. | $12,612,450 | 364,838 | 0.51% | Shares |
| NORTHERN TRUST CORP | $12,549,636 | 363,021 | 0.51% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $12,503,416 | 361,684 | 0.51% | Shares |
| LPL Financial LLC | $11,813,260 | 341,720 | 0.48% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $10,784,561 | 311,963 | 0.44% | Shares |
| Trexquant Investment LP | $10,624,122 | 307,322 | 0.43% | Shares |
| HENNESSY ADVISORS INC | $9,776,396 | 282,800 | 0.40% | Shares |
| Swedbank AB | $9,748,740 | 282,000 | 0.39% | Shares |
| PRINCIPAL FINANCIAL GROUP INC | $9,742,276 | 281,813 | 0.39% | Shares |
| BANK OF AMERICA CORP /DE/ | $9,548,441 | 276,206 | 0.39% | Shares |
| Russell Investments Group, Ltd. | $9,496,213 | 274,694 | 0.38% | Shares |
Activists & 5%+ owners 2 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Austin W. Marxe and David M. Greenhouse ×3 filings | Feb. 11, 2005 | · | Initial filing | · | SEC |
| Paul J. Isaac (principle reporting person) ×3 filings | Dec. 11, 2003 | · | Initial filing | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 70 insiders · 46 officers · 23 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Lachlan P Given | Chief Executive Officer | Nov. 19, 2025 M | 1,072,327 | 0 | 0 | $0 |
| Stuart Grimshaw | Chief Executive Officer | Dec. 5, 2019 M | 487,139 | 0 | 0 | $0 |
| Rothamel Paul | President & CEO | Jan. 31, 2014 P | 295,187 | 0 | 0 | $0 |
| Timothy Jugmans | Chief Financial Officer | Nov. 19, 2025 M | 202,835 | 0 | 0 | $0 |
| Daniel M Chism | Chief Financial Officer | Dec. 11, 2018 A | 26,053 | 0 | 0 | $0 |
| Mark Ashby | Chief Financial Officer | Dec. 23, 2016 A | 35,000 | 0 | 0 | $0 |
| Stephen Stamp | Sr. VP/Chief Financial Officer | Nov. 28, 2011 F | 34,836 | 0 | 0 | $0 |
| Francisco Kuthy | President, Mexico Pawn | Oct. 13, 2021 A | 70,655 | 0 | 0 | $0 |
| Shanna Munro | President, CCV Canada | Feb. 18, 2014 A | 14,911 | 0 | 0 | $0 |
| Mark Edward Kuchenrither | President Change Capital | Nov. 25, 2013 F | 241,861 | 0 | 0 | $0 |
| Joseph S. Borbely | President - Signature Loans | Oct. 1, 2010 A | 26,000 | 0 | 0 | $0 |
| John R Kissick | Vice-President | Feb. 23, 2010 S | 37,500 | 0 | 0 | $0 |
| Connie Kondik | Vice-President & Secretary | Oct. 1, 2009 A | 14,500 | 0 | 0 | $0 |
| John Blair Powell Jr. | Chief Operating Officer | Nov. 19, 2025 M | 234,239 | 0 | 0 | $0 |
| Joseph L Rotunda | Chief Operating Officer | Feb. 20, 2019 D | 710,150 | 0 | 0 | $0 |
| Ellen H Bryant | Chief Legal Officer | Aug. 24, 2026 S | 117,786 | 0 | 2 | $-1,543,100 |
| Sunil Sajnani | Chief Audit/LP Executive | March 2, 2026 S | 85,249 | 0 | 1 | $-491,126 |
| Nicole Swies | Chief Revenue Officer | Feb. 17, 2026 S | 115,266 | 0 | 1 | $-597,416 |
| Michael James Croney | Chief Accounting Officer | Nov. 19, 2025 A | · | 0 | 0 | $0 |
| Lisa Vanroekel | Chief Human Resources Officer | Nov. 19, 2025 M | 120,150 | 0 | 0 | $0 |
| James W. Fugitt | Chief Technology Officer | Nov. 12, 2025 A | · | 0 | 0 | $0 |
| Robert J Hicks | Chief Accounting Officer | Nov. 15, 2024 A | 24,370 | 0 | 0 | $0 |
| Keith John Robertson | Chief Information Officer | Nov. 12, 2024 M | 120,891 | 0 | 0 | $0 |
| Thomas H Welch JR | Chief Legal Officer | Nov. 16, 2022 A | 190,270 | 0 | 0 | $0 |
| Jacob Gustaf Lennart Wedin | Chief Business Development Off | Feb. 10, 2020 D | 18,573 | 0 | 0 | $0 |
| David Francis Mcguire | Chief Accounting Officer | Dec. 5, 2019 M | 36,726 | 0 | 0 | $0 |
| Scott Alomes | Chief Human Resources Officer | Dec. 5, 2019 M | 79,634 | 0 | 0 | $0 |
| Mark Debenedictus | Chief Customer Experience Off | Dec. 11, 2018 A | · | 0 | 0 | $0 |
| David John Hurrell | Chief Information Officer | Dec. 12, 2017 A | 4,088 | 0 | 0 | $0 |
| Karyn Munsie | Chief Mkting & Comm Officer | Dec. 23, 2016 A | · | 0 | 0 | $0 |
| Jodie E. B. Maccarone | Chief Strategy Officer | Feb. 1, 2016 F | 52,409 | 0 | 0 | $0 |
| William Earl Wood | Sr. VP & CIO | Oct. 1, 2014 M | 2,179 | 0 | 0 | $0 |
| Stephen Morrison Brown | Chief Accounting Officer | Oct. 1, 2014 M | 5,123 | 0 | 0 | $0 |
| Barry William Guest | Pres. Pawn & Cash Converters | Aug. 1, 2014 F | 32,704 | 0 | 0 | $0 |
| Sterling B Brinkley | Chairman of the Board | June 30, 2014 F | 1,216,409 | 0 | 0 | $0 |
| James William Whatley | Pres US Financial Services | Feb. 18, 2014 A | 12,400 | 0 | 0 | $0 |
| Rick Bluntzer | Sr VP Communcations & Affairs | Feb. 18, 2014 A | 15,381 | 0 | 0 | $0 |
| Jeff Byal | SVP, CAO | Feb. 18, 2014 A | 10,451 | 0 | 0 | $0 |
| Anthony M. Sanders | Senior Vice President | Feb. 18, 2014 A | 26,736 | 0 | 0 | $0 |
| Brent Turner | Pres. eCommerce&Card Services | Jan. 17, 2012 A | 182,511 | 0 | 0 | $0 |
| Robert Michael Jackson | Vice President & CIO | Oct. 4, 2010 F | 15,413 | 0 | 0 | $0 |
| Daniel N Tonissen | Senior Vice President | Dec. 22, 2009 S | 80,000 | 0 | 0 | $0 |
| Charles Bradford Wolfe | Senior Vice President | Dec. 1, 2009 A | 10,000 | 0 | 0 | $0 |
| James Rose | Vice President | Oct. 1, 2009 A | 5,500 | 0 | 0 | $0 |
| Michael A Volpe | Vice President | Oct. 1, 2009 A | 8,000 | 0 | 0 | $0 |
| Robert F Bloom | Vice President | May 13, 2004 M | 140,000 | 0 | 0 | $0 |
| Pablo Lagos Espinosa | Director | July 6, 2026 S | 207,543 | 0 | 3 | $-1,175,400 |
| Matthew W Appel | Director | May 20, 2026 S | 124,975 | 0 | 1 | $-499,980 |
| Jason A. Kulas | Director | May 12, 2026 S | 172,948 | 0 | 1 | $-671,200 |
| Zena Srivatsa Arnold | Director | March 26, 2026 A | 160,124 | 0 | 0 | $0 |
| Gary Tillett | Director | March 26, 2026 A | 140,124 | 0 | 3 | $-760,000 |
| Hugo R. Dooner | Director | Dec. 22, 2020 A | 28,251 | 0 | 0 | $0 |
| Kent V. Stone | Director | Dec. 22, 2020 A | 49,257 | 0 | 0 | $0 |
| Shelaghmichael C. Brown | Director | Dec. 22, 2020 A | 49,257 | 0 | 0 | $0 |
| Robert W.K. Webb | Director | Dec. 22, 2020 A | 49,257 | 0 | 0 | $0 |
| Rosa C Zeegers | Director | Dec. 11, 2019 A | 33,352 | 0 | 0 | $0 |
| Peter Cumins | Director | Nov. 16, 2018 A | 88,303 | 0 | 0 | $0 |
| Santiago Creel Miranda | Director | Nov. 16, 2018 A | 98,303 | 0 | 0 | $0 |
| Thomas Craig Roberts JR | Director | Dec. 12, 2017 A | 116,050 | 0 | 0 | $0 |
| John Farrell | Director | Oct. 11, 2013 A | 21,700 | 0 | 0 | $0 |
| Joseph Beal | Director | Oct. 11, 2013 A | 34,200 | 0 | 0 | $0 |
| William C Love | Director | Oct. 11, 2013 A | 40,700 | 0 | 0 | $0 |
| Richard D Sage | Director | Oct. 3, 2011 A | 18,293 | 0 | 0 | $0 |
| Gary C Matzner | Director | Oct. 1, 2010 A | 26,400 | 0 | 0 | $0 |
| Mark C Pickup | Director | Sept. 17, 2003 A | · | 0 | 0 | $0 |
| Phillip Ean Cohen | 10% owner | Feb. 25, 2005 S | 55,700 | 0 | 0 | $0 |
| Eric Fosse | · | Dec. 5, 2019 M | 10,196 | 0 | 0 | $0 |
| Romo Rodrigo Garcia | · | Feb. 18, 2014 A | 23,497 | 0 | 0 | $0 |
| Robert A Kasenter | · | Nov. 3, 2010 S | 78,965 | 0 | 0 | $0 |
| Richard M Edwards | · | Oct. 1, 2008 A | 9,000 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 42 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| PSL · Invesco Exchange-Traded Fund Trust | 1.74% | 44,564 SH | Oct. 2, 2026 | Daily |
| RZG · Invesco Exchange-Traded Fund Trust | 1.33% | 52,948 SH | Oct. 2, 2026 | Daily |
| DWAS · Invesco Exchange-Traded Fund Trust … | 0.70% | 94,618 SH | Oct. 2, 2026 | Daily |
| XSVM · Invesco Exchange-Traded Fund Trust | 0.68% | 132,085 SH | Oct. 2, 2026 | Daily |
| FYC · First Trust Exchange-Traded AlphaDE… | 0.58% | 253,845 NS | July 31, 2026 | N-PORT |
| ROSC · Lattice Strategies Trust | 0.51% | 10,496 NS | July 31, 2026 | N-PORT |
| XSMO · Invesco Exchange-Traded Fund Trust | 0.49% | 474,044 SH | Oct. 2, 2026 | Daily |
| PSCF · Invesco Exchange-Traded Fund Trust … | 0.41% | 3,772 SH | Oct. 2, 2026 | Daily |
| FFSM · FIDELITY COVINGTON TRUST | 0.31% | 154,723 NS | July 31, 2026 | N-PORT |
| BSJS · Invesco Exchange-Traded Self-Indexe… | 0.30% | 2,310,000 | Oct. 2, 2026 | Daily |
| FYX · First Trust Exchange-Traded AlphaDE… | 0.27% | 126,169 NS | July 31, 2026 | N-PORT |
| SMDX · Tidal Trust III | 0.26% | 11,171 NS | July 31, 2026 | N-PORT |
| VIOG · VANGUARD ADMIRAL FUNDS | 0.22% | 69,712 SH | Aug. 19, 2026 | Daily |
| FSMD · FIDELITY COVINGTON TRUST | 0.13% | 113,130 NS | July 31, 2026 | N-PORT |
| FAD · First Trust Exchange-Traded AlphaDE… | 0.12% | 22,996 NS | July 31, 2026 | N-PORT |
| QVMS · Invesco Exchange-Traded Fund Trust … | 0.11% | 8,645 SH | Oct. 2, 2026 | Daily |
| VIOO · VANGUARD ADMIRAL FUNDS | 0.11% | 204,712 SH | Aug. 19, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.10% | 84,943 SH | Oct. 2, 2026 | Daily |
| RWJ · Invesco Exchange-Traded Fund Trust … | 0.09% | 61,123 SH | Oct. 2, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.07% | 352,254 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.04% | 219,586 NS | July 31, 2026 | N-PORT |
| ISCG · iShares Trust | 0.03% | 8,714 SH | Sept. 11, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.03% | 5,330 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.02% | 57,499 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.02% | 670,857 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.02% | 90,851 SH | Aug. 19, 2026 | Daily |
| WSML · iShares Trust | 0.02% | 4,073 SH | Sept. 11, 2026 | Daily |
| FNCL · FIDELITY COVINGTON TRUST | 0.02% | 15,174 NS | July 31, 2026 | N-PORT |
| DFUV · Dimensional ETF Trust | 0.01% | 56,508 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.01% | 146,504 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.01% | 8,825 NS | July 31, 2026 | N-PORT |
| TILT · FlexShares Trust | 0.01% | 5,530 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.01% | 4,847 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 15,463 NS | July 31, 2026 | N-PORT |
| ITOT · iShares Trust | 0.00% | 76,766 SH | Sept. 11, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.00% | 17,195 NS | July 31, 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 1,776,560 SH | Aug. 19, 2026 | Daily |
| IJR · iShares Trust | · | 3,574,021 SH | Sept. 10, 2026 | Daily |
| IJT · iShares Trust | · | 554,734 SH | Sept. 9, 2026 | Daily |
| ISCB · iShares Trust | · | 2,573 SH | Sept. 11, 2026 | Daily |
| ISCV · iShares Trust | · | 6,839 SH | Sept. 11, 2026 | Daily |
| SMMV · iShares Trust | · | 22,474 SH | Aug. 19, 2026 | Daily |
EZPW Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 13 analysts
BUY
Median target
$40.00
+32.5%
3 23.1%
Strong Buy
7 53.8%
Buy
3 23.1%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
5 analysts · 2026-10-01Mean target $40.80 +35.1%
← Below all targets
Current price $30.20
Low$36.00
Mean$40.80
High$45.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| EZPW | $1.16B | 13.4 | 9.7% | 8.6% | 11.7% | 58.6% |
| ENVA | $3.89B | 13.6 | 18.6% | 9.8% | 24.3% | 58.1% |
| SLM | $5.39B | 7.8 | 7.3% | 37.5% | 30.9% | · |
| BFH | $3.26B | 6.8 | · | 12.8% | 16.0% | · |
| UPST | $4.29B | 97.2 | 64.0% | 5.1% | 7.0% | · |
| ECPG | $1.18B | 5.0 | 34.4% | 14.5% | 27.4% | · |
| HAPN | · | · | · | · | · | · |
| ATLC | · | · | · | · | · | · |
| PRG | $2.42B | 8.2 | 0.42% | 6.1% | 20.8% | · |
| JCAP | $1.30B | 4.0 | 41.5% | 30.6% | 42.4% | · |
| NAVI | · | · | · | · | · | · |
Latest News Recent headlines mentioning this company
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
RANGE
Expired
risk 1
reward 4.81
entry
$24.84
R:R 4.81
BOUNCE_UP
Target hit
risk 1
reward 1.50
entry
$17.57
R:R 1.50
No open signal right now — no card is filled, and that's honest.
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Source: SEC 10-Q filed Aug 5, 2026