EZCORP Inc (EZPW) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of EZCORP Inc stock $28.57, price $28.55, upside +0.1%, quality 58 out of 100. Rating: fairly valued. Calculated from audited financials with 11 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $5.56 – $35.59 · fair‑value band $17.85 – $40.06 · the $28.55 price screens below the $28.57 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. As of Nov 7, 2026.
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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.
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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.
Stock analysis
EZCORP Inc (EZPW) currently trades at $28.55, while our model-based Fair Value estimate is $28.57, so the stock looks roughly fairly valued today (gap 0.1%).
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Valuation
Bull case: the Growth DCF group reads highest at a median of $34.52 per share, and 5 of the 11 models we run sit above the $28.55 price.
Bear case: the Asset-Based group reads lowest at $3.42, and 6 of the 11 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $17.85 (bear) to $40.06 (bull), the price of $28.55 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 58/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
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.
Key figures
Market cap $2.4B Mid · P/E ratio 14.4 · P/S ratio 1.50 · EPS (TTM) $1.99 · Net margin 10.0% · Return on equity 14.8% · Return on assets (EBIT) 5.9% (5-year average) · Operating margin 13.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 53 out of 100 (low confidence).
What moves the price
The share trades about 20% below its 52-week high and 64% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 0%, EZPW screens cheaper than that median.
Fair Value models
Bear$17.85Fair Value $28.57Bull$40.06
Price $28.55 · Upside +0.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then ($1.99 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, 4 officers or directors sold shares worth $2.9M and none bought.
SaleEllen H BryantChief Legal Officer2× since Feb 17, 2026: 50,000 shares, avg. $30.86$1.5MAug 24, 2026
SalePablo Lagos EspinosaDirector3× since Feb 19, 2026: 40,000 shares, avg. $29.39$1.2MJul 6, 2026
SaleMatthew W AppelDirector15,037 shares at $33.25$499,980May 20, 2026
SaleJason A. KulasDirector20,000 shares at $33.56$671,200May 12, 2026
SaleSunil SajnaniChief Audit/LP Executive18,353 shares at $26.76$491,126Mar 2, 2026
SaleGary TillettDirector2× since Feb 18, 2026: 20,000 shares, avg. $25.25$505,000Feb 23, 2026
SaleNicole SwiesChief Revenue Officer24,138 shares at $24.75$597,416Feb 17, 2026
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.84/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+9.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.1%
Start year 2020 (pandemic). Over 10 years: +5.9% a year
Revenue growth 34 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.4%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+23.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+23.3%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−6% → 12%
Growth Forecast
Little optimism in the price
The price assumes more growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+13.9%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+17.2%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +11.2% a year for the price and +14.5% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (90 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
AI conclusion: Core pawn lending growth in Latin America stands out as the main strength, while limited public signals of a durable moat and thin differentiation data form the key weakness.
Main risk: Execution challenges during the integration of SMG could slow the momentum in core pawn lending growth.
EZCORP has taken full ownership of SMG and plans to apply its systems, disciplines and capital allocation across the platform. Core pawn lending continues to deliver strong growth in Latin America even as jewelry scrap margins move toward more normal levels. Will disciplined integration of these acquisitions sustain the momentum in the core business or will execution challenges slow the pace?
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Credit Services · 283 stocks
Beats the industry median on 8/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score58 · Above median
Fair Value upside+0.1% · Below median
Profitability
Return on equity (12 months)14.8% · Above median
Return on assets5.6% · Top 25%
Net margin (12 months)10.0% · Bottom 25%
Operating margin (12 months)13.1% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)34.7% · Top 25%
Balance sheet
Debt / equity0.51× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "EZCORP Inc Fair Value". https://www.fairvalue-calculator.com/stock/EZPW
Frequently asked questions
Is EZCORP Inc (EZPW) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $28.57 versus a price of $28.55, about +0% upside (fairly valued).
What is the fair value of EZPW?
Our model-based fair value for EZCORP Inc is $28.57 (as of Nov 7, 2026), built from audited fundamentals. The current price: $28.55.
What is the quality score of EZPW?
EZCORP Inc has a Quality Score of 58/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for EZCORP Inc (EZPW)?
Our model-based price target is the fair value of $28.57 (as of Nov 7, 2026) from 11 valuation models. Cautious scenario $17.85, optimistic scenario $40.06. It is a calculation from audited fundamentals, not an analyst target.
What is the EZCORP Inc stock forecast for 2026?
Our models put fair value at $28.57, about +0% upside versus a price of $28.55 (fairly valued). Cautious scenario $17.85, optimistic scenario $40.06. The calculation is refreshed regularly with new filings.
What is the revenue of EZCORP Inc (EZPW)?
EZCORP Inc reported trailing-twelve-month revenue of about $1.6B (latest available figure, as of Nov 7, 2026).
Does EZCORP Inc pay a dividend?
EZCORP Inc does not currently pay a dividend.
What growth is priced into EZCORP Inc (EZPW)?
For today's price to be fair in a discounted-cash-flow model, EZCORP Inc would have to grow free cash flow by +13.9 % per year for five years (discount rate 10.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +9.1 % per year. As of Nov 7, 2026.
What discount rate (WACC) does the fair value of EZPW use?
Our models discount EZCORP Inc at 10.4 %: a base by market capitalisation (small), damped by beta 0.71, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For EZCORP Inc that is +13.9 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (10.4 %) and the same formula as our fair value.
How much growth has EZCORP Inc (EZPW) delivered so far?
Over the past 5 years revenue at EZCORP Inc grew +9.1 % a year. The price currently implies free-cash-flow growth of +13.9 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of EZCORP Inc (EZPW) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into EZCORP Inc (+13.9 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of EZCORP Inc (EZPW)?
The free-cash-flow yield on the price is 4.64 %: that much free cash flow EZCORP Inc produces per unit of market value. When it exceeds the discount rate of our models (10.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of EZCORP Inc (EZPW)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For EZCORP Inc it is $28.57 per share (as of Nov 7, 2026), against a price of $28.55. It is the blended result of 11 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is EZCORP Inc stock overvalued or undervalued in 2026?
As of Nov 7, 2026, EZPW trades below its calculated fair value: price $28.55, fair value $28.57, a gap of about +0% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of EZPW?
No. The price is what the market pays today ($28.55); the fair value is what the company's own numbers justify ($28.57). For EZCORP Inc the two are $0.0200 per share apart. That gap is exactly why we show both numbers side by side.
How much is EZCORP Inc worth?
The market values EZCORP Inc at about $2.4B (market capitalisation, as of Nov 7, 2026). Per share that is $28.55; our models calculate a fair value of $28.57 per share.
What do the bullish and bearish scenarios say about EZPW?
Our models span a range for EZCORP Inc: cautious scenario $17.85, base $28.57, optimistic $40.06 per share (as of Nov 7, 2026, price $28.55). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of EZPW?
EZCORP Inc trades at a price-to-earnings ratio of 14.4 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $28.57 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2016 to 2025), reported earnings, 5 of the years ex one-offs: 15.6. Other multiples: PEG 0.3, P/B 2.3, P/S 1.5, EV/EBITDA 9.4.
What is the PEG ratio of EZPW?
The PEG ratio of EZCORP Inc is 0.28 (P/E divided by earnings growth, as of Nov 7, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of EZCORP Inc (EZPW)?
Balance-sheet figures for EZCORP Inc (as of Nov 7, 2026): return on equity 14.8%, debt of 0.51 per unit of equity. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is EZPW from its 52-week high?
EZCORP Inc trades at $28.55, about 20% below its 52-week high of $35.59 and 64% above the low of $17.41 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $28.57 is for.
Which stocks are comparable to EZCORP Inc?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is EZCORP Inc stock attractive at the current price?
The data as of Nov 7, 2026: price $28.55, calculated fair value $28.57 (+0%), Quality Score 58/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of EZPW calculated?
We run EZCORP Inc through 11 models from 6 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of $28.57 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. EZCORP Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of EZCORP Inc (EZPW)?
The closing price on Nov 6, 2026 was $28.55. Our model-based fair value is $28.57, about +0% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with EZCORP Inc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range ($17.85 to $40.06) 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.
Key figures of EZCORP Inc
How large is the market capitalisation of EZCORP Inc (EZPW)?
The market capitalisation of EZCORP Inc is $2.4B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of EZCORP Inc (EZPW)?
The price-to-sales ratio of EZCORP Inc is 1.50 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of EZCORP Inc (EZPW)?
Earnings per share at EZCORP Inc are $1.99 (price ÷ EPS = P/E 14.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of EZCORP Inc (EZPW)?
The net margin of EZCORP Inc is 10.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of EZCORP Inc (EZPW)?
The return on equity (ROE) of EZCORP Inc is 14.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of EZCORP Inc (EZPW)?
On an EBIT basis the return on assets of EZCORP Inc is 5.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of EZCORP Inc (EZPW)?
The operating margin of EZCORP Inc is 13.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at EZCORP Inc (EZPW)?
Revenue at EZCORP Inc is growing +34.7% versus a year earlier (3y avg +12.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at EZCORP Inc (EZPW)?
Earnings per share at EZCORP Inc are growing +41.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does EZCORP Inc (EZPW) carry?
The net debt of EZCORP Inc is $295M (fiscal year 2025, ≈ 2.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Some data
Nov 7, 2026