MEDIUMBuilt-inGeographic
26%
Latin America
“10-K Item 1: 'the Latin America stores represented 26% of our consolidated gross profit'”
EZPW · Concentration risk · 10-K extracted
EZCORP (EZPW) concentration risks
Updated
The most significant concentration EZCORP discloses is Latin America at 26%, classified MEDIUM by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
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Source: EZCORP’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 3 disclosed concentrations
HIGH0
MEDIUM3
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inGeographic
Texas and Florida
“10-K Item 1A: 'more than 62% of our U.S. pawn stores were located in Texas (45%) and Florida (17%), and those stores account for a significant portion of our revenues and profitability'”
MEDIUMBuilt-inCommodity
gold jewelry
“10-K Item 1A: 'Gold jewelry comprises a large portion of the collateral security for our pawn loans and our inventory'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-03The company's disclosed concentration profile is geographic and commodity-linked, with three structurally interconnected medium-share exposures. Within the U.S. operations, more than 62% of pawn stores were located in Texas at 45% and Florida at 17%, and those stores account for a significant portion of revenues and profitability — a medium-share geographic concentration by disclosed size that reflects where the company has historically expanded its domestic store network. This structural footprint means local economic conditions in Texas and Florida — employment levels, consumer income trends, and regulatory changes affecting pawn lending — have an outsized influence on U.S. results. Latin American stores represented 26% of consolidated gross profit, a separate medium-share geographic exposure with a structural character. The international segment adds currency translation and country-specific regulatory risks that differ meaningfully from the U.S. franchise, and together the two geographic concentrations mean the portfolio is spread across regions with distinct macroeconomic and regulatory environments rather than being fully correlated. A third medium-share exposure is the commodity tilt: gold jewelry comprises a large portion of the collateral for pawn loans and inventory. Gold price movements directly affect the company's pawn loan collateral valuations, forfeiture inventory values, and retail sales margin. Because gold is also sensitive to the same consumer stress that drives pawn traffic, the commodity exposure and the geographic exposures are partially correlated — all three tend to be stress-tested simultaneously in recessionary or inflationary environments.
For the engine’s reasoning on EZPW’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Credit Services
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AGM | Federal Agricultural Mortgage C | 3 | 0 | 0 | 3 |
| AGM-A | Federal Agricultural Mortgage C | 3 | 0 | 0 | 3 |
| AFRM | Affirm Holdings, Inc. | 2 | 1 | 0 | 3 |
| AXP | American Express Company | 0 | 3 | 1 | 4 |
| EZPW● | EZCORP, Inc. | 0 | 3 | 0 | 3 |
| ALLY | Ally Financial Inc. | 0 | 1 | 0 | 1 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.