MASHINIi

EZCORP, Inc..

EZPW.US | Other credit granting

EZCORP, Inc. is a leading provider of pawn loans in the United States and Mexico. The company's primary business involves providing short-term, non-recourse loans secured by tangible personal property, such as jewelry, electronics, and tools. Customers can redeem their pledged items by repaying the ...Show More

Ethical Profile

Mixed.

EZCORP's ethical profile is mixed. The company has faced scrutiny regarding its lending practices; reports suggest an average loan yield of 211% in 1997. It also faced a CFPB enforcement action for alleged illegal debt collection, resulting in a $7.5 million refund to approximately 93,000 consumers and a $3 million civil penalty. Critics point to the pawn industry's inherent risks of predatory lending. Regarding worker treatment, EZCORP's CEO pay ratio of 287:1, while better than the S&P 500 average, still indicates significant pay inequality. Employee reviews are mixed, with 80% reportedly recommending the company, yet concerns exist about inconsistent compensation. On a positive note, EZCORP's core business of reselling pre-owned goods inherently supports a circular economy, reducing waste.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity-50
-100100
Fair Pay & Worker Respect0
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business0
-100100
Kind to Animals10
-100100
No War, No Weapons-10
-100100
Planet-Friendly Business0
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech0
-100100
Zero Waste & Sustainable Products0
-100100

Better Health for All

0

No evidence available to assess EZCORP, Inc. on Better Health for All.

Fair Money & Economic Opportunity

-50

The company's average monthly yield on pawn loans outstanding was 14% for US Pawn and 16% for Latin America in 2019, which annualizes to 168% and 192% APR respectively.

1
In 1997, the average annual yield on the loan portfolio was 211%.
2
EZCORP, Inc. was subject to a CFPB administrative enforcement action, resulting in a $3 million civil penalty and a $7.5 million refund to approximately 93,000 consumers for alleged illegal debt collection practices, including unfair and deceptive practices, misrepresentation, and improper pre-authorized withdrawals.
3

Fair Pay & Worker Respect

0

EZCORP's CEO-to-median employee pay ratio was 287:1 in 2024.

1
Employee engagement is reflected by an overall rating of 4.0 out of 5 stars on Glassdoor and 80% of employees recommending the company to a friend.
2
No labor law or human rights violations have been reported in the provided articles.

Fair Trade & Ethical Sourcing

0

No evidence available to assess EZCORP, Inc. on Fair Trade & Ethical Sourcing.

Honest & Fair Business

0

No evidence available to assess EZCORP, Inc. on Honest & Fair Business.

Kind to Animals

10

EZCORP, Inc. has a 'No Animal Exploitation' policy.

1
The company is listed by Leaping Bunny and PETA as not conducting animal testing, having recommitted to this stance in 2020.
2
No animals are used in any testing protocols. Given the company's service-oriented business model, several animal welfare KPIs are not applicable, as there are no animal-derived products, animal husbandry operations, or direct impacts on wildlife habitats.

No War, No Weapons

-10

EZCORP states it complies with Office of Foreign Assets Control (OFAC) regulations, which prohibit doing business with sanctioned individuals, businesses, and countries.

1
The company is required to report any transactions involving those named by the U.S. Department of the Treasury, indicating robust compliance controls.
2
The company's core business involves pawn loans and selling pre-owned merchandise, which does not inherently involve mineral inputs, thus making the conflict minerals KPI not applicable.
3

Planet-Friendly Business

0

The provided articles do not contain specific, quantitative data points for any of the Planet-Friendly Business KPIs. Multiple articles explicitly state that no quantitative sustainability metrics or environmental impact data are available for EZCORP, Inc.

1
While one article mentions the company recycled over 5.6 million pre-loved items in 2022,
2
this refers to the nature of its business (reselling used goods) rather than a measurable waste diversion rate or recycled content ratio in its operations. There is no information on emissions, renewable energy, water usage, green building certifications, climate targets, or environmental compliance violations.
3

Respect for Cultures & Communities

0

No evidence available to assess EZCORP, Inc. on Respect for Cultures & Communities.

Safe & Smart Tech

0

No evidence available to assess EZCORP, Inc. on Safe & Smart Tech.

Zero Waste & Sustainable Products

0

No evidence available to assess EZCORP, Inc. on Zero Waste & Sustainable Products.

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.