EZCORP Inc (EZPW) Fair Value & Analysis
Financial Services · US · Market cap $2.0B · ISIN US3023011063
What is EZCORP Inc really worth?
EZCORP Inc
EZPW · US
A solid business, but trading 37% above our fair value of $24.33.
Strengths
Risks
Fair value as of: Aug 13, 2026
From 13 valuation models · updated 22 days ago
Share price +7.4% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case ($30.41). The favourable scenario is already priced in.
- Solid but not exceptional quality (60/100) and above fair value, neither a clear bargain nor a standout compounder.
- A fairly wide model range ($16.81 to $30.41) leaves room in how you read the outcome.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range $5.56 – $35.59 · fair‑value band $16.81 – $30.41 · the $33.30 price screens above the $24.33 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
EZCORP Inc (EZPW) currently trades at $33.30, while our model-based Fair Value estimate is $24.33, implying the stock looks roughly 36.9% overvalued today. The Quality Score stands at 60/100 (solid quality), in the Financial Services sector. Bull case: the Growth DCF group reads highest at a median of $26.50 per share, and 2 of the 13 models we run sit above the $33.30 price. Bear case: the Asset-Based group reads lowest at $11.73, and 11 of the 13 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, EZCORP Inc generated revenue of $1.5B at a net margin of 9.9%. Revenue grew 45.9% year over year. It earns a return on equity of 14.8%. Net debt stands at $295M. Fundamentals as of Aug 13, 2026
Our scenario range runs from $16.81 (bear case) to $30.41 (bull case); at $33.30, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 10% below its 52-week high and 159% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −48% fair-value upside, at −27%, EZPW screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 11 months have passed since. In that time the company retained roughly $1.68 per share, which is 6.9 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 13 models by family
Widest divergence: Growth DCF ($26.50) versus Dividend Discount ($0.7900). Highest evidence: Growth DCF (78).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 59 · Market factors (momentum, volatility) 78
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
EZCORP, Inc. provides pawn services in the United States, Mexico, and Latin America. It operates through U.S. Pawn, Latin America Pawn, and Other Investments segments. The company retails merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers.
Full company description
EZCORP, Inc. provides pawn services in the United States, Mexico, and Latin America. It operates through U.S. Pawn, Latin America Pawn, and Other Investments segments. The company retails merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. It also provides pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. In addition, the company offers EZ+, a web-based application that allow customers to manage their pawn transactions, layaways, and loyalty rewards online. Further, the company operates under the EZPAWN, Value Pawn & Jewelry, Empeño Fácil, Cash Apoyo Efectivo, GuatePrenda, and MaxiEfectivo brands. EZCORP, Inc. was incorporated in 1989 and is headquartered in Austin, Texas.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
EZCORP Inc reported revenue of $1.3B in FY2025 versus $730M in FY2021, a compound +15.0%/yr. Reported net income was $110M in FY2025, compounding +88.9%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
EZPW screens 37% overvalued. Compare with Visa Inc →
Peer Group
Credit Services · 324 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Credit Services median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $379.66 | $198.27 | −48% |
| Mastercard Incorporated MA | $591.73 | $221.87 | −63% |
| American Express Company AXP | $334.16 | $206.40 | −38% |
| Capital One Financial Corporation COF | $215.67 | $117.51 | −46% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | −64% |
| PayPal Holdings PYPL | $61.47 | $77.12 | +25% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,134 | ₹553.82 | −51% |
| Synchrony Financial, SYF | $78.05 | $137.28 | +76% |
| SoFi Technologies, Inc SOFI | $18.06 | $5.02 | −72% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | −57% |
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