EZCORP (NASDAQ:EZPW) operates as a leading provider of pawn loans and related consumer financial services, offering short-term credit secured by personal items such as jewelry, electronics and tools. Through its network of retail locations, the company also buys and sells secondhand merchandise, including luxury watches, musical instruments and power equipment. In addition to traditional pawn lending, EZCORP provides installment loans and title loans in select markets, targeting customers who may lack access to mainstream banking products.
Founded in 1989 and headquartered in Austin, Texas, EZCORP began as a single-store operation under the EZPAWN banner and has since grown into a publicly traded company listed on the NASDAQ. Over the years, the company has diversified its service offerings and enhanced its technology platform to streamline the lending process and improve customer engagement. Its publicly reported history reflects a steady expansion of both domestic and international footprints, underpinned by a focus on operational efficiency and risk management.
Today, EZCORP’s retail network spans more than 350 locations across the United States, including Texas, Arkansas, Louisiana, Oklahoma and New Mexico, alongside a significant presence in Latin America. Through subsidiaries in Mexico, Guatemala and El Salvador, the company serves diverse consumer segments by adapting its product mix and customer service model to local regulatory and cultural environments. This bicontinental approach enables EZCORP to leverage scale while remaining sensitive to regional market dynamics.
Governed by a board of directors with deep experience in retail, financial services and emerging markets, EZCORP is led by a management team focused on sustainable growth, regulatory compliance and community engagement. The company emphasizes corporate responsibility initiatives, such as financial literacy programs and charitable partnerships, to support the neighborhoods in which it operates. Looking forward, EZCORP aims to balance disciplined credit practices with continued geographic expansion and digital innovation.
