Overview Dividends

(EZPW) EZCORP - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US3023011063

Pawn Loans, Merchandise Sales, Online Management Tool

EZPW EPS (Earnings per Share)

EPS Growth (3Y CAGR): 59.26%
EPS Trend (3Y Correlation): 67.7%

EZPW Revenue

Revenue Growth (3Y CAGR): 11.00%
Revenue Trend (3Y Correlation): 90.7%

Description: EZPW EZCORP

EZCORP Inc (NASDAQ:EZPW) is a consumer finance company operating primarily in the pawn industry, offering collateralized loans and retailing merchandise acquired through pawn lending operations. With a presence in the United States and Latin America, the company leverages multiple brands, including EZPAWN and Empeño Fácil, to provide financial services to a diverse customer base. The companys digital platform, EZ+, allows customers to manage their financial transactions online, enhancing their overall experience.

From a market perspective, EZCORPs stock has demonstrated volatility, with its current price positioned between key support and resistance levels. Given the , the stocks last price of $13.25 is below its SMA20 ($13.34) and significantly below its SMA50 ($14.45), indicating a potential downward trend in the short to medium term. However, it remains above its SMA200 ($12.94), suggesting some underlying strength. The ATR of 0.36, or 2.71%, indicates moderate volatility.

Fundamentally, EZCORPs market capitalization stands at $810.37M USD, with a P/E ratio of 11.14 and a forward P/E of 9.72, indicating that the stock may be undervalued relative to its future earnings potential. The companys Return on Equity (RoE) of 10.92% is a positive indicator of its profitability. These points suggest a stable financial foundation.

Forecasting the stocks future performance involves analyzing both technical and fundamental data. Given the current technical indicators, if the stock can break through the resistance at $13.7, it may continue to rise towards $14.7. Conversely, failure to break through this resistance could lead to a decline towards the support level at $12.2. Fundamentally, the companys stable RoE and relatively low P/E ratio compared to its forward P/E suggest potential for growth, assuming the company can maintain or improve its current financial performance.

Combining these insights, a potential forecast is that EZCORPs stock may experience a short-term correction, potentially testing the $12.2 support level, before rebounding. Long-term growth could be driven by the companys expanding digital presence and its ability to manage risk in its pawn lending operations. Investors should monitor the stocks ability to break through key resistance levels and watch for improvements in fundamental performance indicators.

EZPW Stock Overview

Market Cap in USD	950m
Sub-Industry	Consumer Finance
IPO / Inception	1991-08-27

EZPW Stock Ratings

Growth Rating	87.3%
Fundamental	75.5%
Dividend Rating	1.19%
Return 12m vs S&P 500	18.0%
Analyst Rating	4.0 of 5

EZPW Dividends

Currently no dividends paid

EZPW Growth Ratios

Growth Correlation 3m	76.4%
Growth Correlation 12m	82.6%
Growth Correlation 5y	94.5%
CAGR 5y	23.04%
CAGR/Max DD 5y	0.64
Sharpe Ratio 12m	-0.43
Alpha	28.40
Beta	0.064
Volatility	36.18%
Current Volume	602.7k
Average Volume 20d	696.2k
Stop Loss	15.1 (-3.5%)
Signal	1.21

Piotroski VR‑10 (Strict, 0-10) 6.5

Net Income (98.1m TTM) > 0 and > 6% of Revenue (6% = 73.9m TTM)

FCFTA 0.06 (>2.0%) and ΔFCFTA 1.29pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 74.30% (prev 40.08%; Δ 34.22pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.07 (>3.0%) and CFO 141.1m > Net Income 98.1m (YES >=105%, WARN >=100%)

Net Debt (290.0m) to EBITDA (187.3m) ratio: 1.55 <= 3.0 (WARN <= 3.5)

Current Ratio 6.31 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (82.9m) change vs 12m ago -0.11% (target <= -2.0% for YES)

Gross Margin 58.67% (prev 57.82%; Δ 0.86pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 72.62% (prev 75.32%; Δ -2.71pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 8.56 (EBITDA TTM 187.3m / Interest Expense TTM 18.1m) >= 6 (WARN >= 3)

Altman Z'' 5.45

(A) 0.49 = (Total Current Assets 1.09b - Total Current Liabilities 172.3m) / Total Assets 1.88b

(B) 0.31 = Retained Earnings (Balance) 586.5m / Total Assets 1.88b

(D) 0.61 = Book Value of Equity 542.0m / Total Liabilities 893.0m

Total Rating: 5.45 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 75.53

1. Piotroski 6.50pt = 1.50

2. FCF Yield 10.78% = 5.0

3. FCF Margin 9.24% = 2.31

4. Debt/Equity 0.58 = 2.33

5. Debt/Ebitda 3.08 = -1.88

6. ROIC - WACC 4.17% = 5.22

7. RoE 11.31% = 0.94

8. Rev. Trend 90.74% = 4.54

9. Rev. CAGR 11.00% = 1.37

10. EPS Trend 67.73% = 1.69

11. EPS CAGR 59.26% = 2.50

What is the price of EZPW shares?

As of August 23, 2025, the stock is trading at USD 15.64 with a total of 602,717 shares traded.
Over the past week, the price has changed by -0.31%, over one month by +14.03%, over three months by +18.02% and over the past year by +35.47%.

Is EZCORP a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, EZCORP (NASDAQ:EZPW) is currently (August 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 75.53 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of EZPW is around 17.96 USD . This means that EZPW is currently undervalued and has a potential upside of +14.83% (Margin of Safety).

Is EZPW a buy, sell or hold?

EZCORP has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy EZPW.

Strong Buy: 2
Buy: 1
Hold: 2
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the EZPW price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	21	34.3%
Analysts Target Price	20.8	32.7%
ValueRay Target Price	19.3	23.2%

Last update: 2025-08-13 02:54

EZPW Fundamental Data Overview

Market Cap USD = 950.0m (950.0m USD * 1.0 USD.USD)
CCE Cash And Equivalents = 472.1m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 12.093
P/E Forward = 10.6496
P/S = 0.7711
P/B = 0.9595
P/EG = 0.3487
Beta = 0.565
Revenue TTM = 1.23b USD
EBIT TTM = 154.9m USD
EBITDA TTM = 187.3m USD
Long Term Debt = 517.6m USD (from longTermDebt, last quarter)
Short Term Debt = 60.2m USD (from shortTermDebt, last quarter)
Debt = 577.8m USD (Calculated: Short Term 60.2m + Long Term 517.6m)
Net Debt = 290.0m USD (from netDebt column, last quarter)
Enterprise Value = 1.06b USD (950.0m + Debt 577.8m - CCE 472.1m)
Interest Coverage Ratio = 8.56 (Ebit TTM 154.9m / Interest Expense TTM 18.1m)
FCF Yield = 10.78% (FCF TTM 113.8m / Enterprise Value 1.06b)
FCF Margin = 9.24% (FCF TTM 113.8m / Revenue TTM 1.23b)
Net Margin = 7.96% (Net Income TTM 98.1m / Revenue TTM 1.23b)
Gross Margin = 58.67% ((Revenue TTM 1.23b - Cost of Revenue TTM 509.1m) / Revenue TTM)
Tobins Q-Ratio = 1.95 (Enterprise Value 1.06b / Book Value Of Equity 542.0m)
Interest Expense / Debt = 1.46% (Interest Expense 8.46m / Debt 577.8m)
Taxrate = 28.12% (from yearly Income Tax Expense: 32.5m / 115.6m)
NOPAT = 111.3m (EBIT 154.9m * (1 - 28.12%))
Current Ratio = 6.31 (Total Current Assets 1.09b / Total Current Liabilities 172.3m)
Debt / Equity = 0.58 (Debt 577.8m / last Quarter total Stockholder Equity 990.1m)
Debt / EBITDA = 3.08 (Net Debt 290.0m / EBITDA 187.3m)
Debt / FCF = 5.08 (Debt 577.8m / FCF TTM 113.8m)
Total Stockholder Equity = 867.5m (last 4 quarters mean)
RoA = 5.21% (Net Income 98.1m, Total Assets 1.88b )
RoE = 11.31% (Net Income TTM 98.1m / Total Stockholder Equity 867.5m)
RoCE = 11.18% (Ebit 154.9m / (Equity 867.5m + L.T.Debt 517.6m))
RoIC = 8.46% (NOPAT 111.3m / Invested Capital 1.32b)
WACC = 4.28% (E(950.0m)/V(1.53b) * Re(6.25%)) + (D(577.8m)/V(1.53b) * Rd(1.46%) * (1-Tc(0.28)))
Shares Correlation 5-Years: 10.0 | Cagr: 0.29%
Discount Rate = 6.25% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈97.0m ; Y1≈119.7m ; Y5≈204.1m
Fair Price DCF = 59.94 (DCF Value 3.47b / Shares Outstanding 57.9m; 5y FCF grow 25.0% → 3.0% )
Revenue Correlation: 90.74 | Revenue CAGR: 11.00%
Rev Growth-of-Growth: -3.47
EPS Correlation: 67.73 | EPS CAGR: 59.26%
EPS Growth-of-Growth: -28.85

Additional Sources for EZPW Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle