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EZPWEZCORP, Inc.Hold6.5·$31.25+1.63%
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EZCORP, Inc. (EZPW) Stock Analysis

HoldVALUE-TRAP 1/5Moderate Confidence

Financial Services · Credit Services

Hold if already holding. Not a fresh buy at $31.25, but acceptable to hold if already in. Reason: Elevated risk factors.

EZCORP operates pawn stores in the U.S., Latin America, and Australia under the EZPawn, Value Pawn, and other brands, generating revenue from pawn service charges, merchandise sales, and consumer lending. The company serves cash-constrained consumers; U.S. operations are heavily... Read more

$31.25+10.2% A.UpsideScore 6.5/10#3 of 29 Credit Services
QualityF-score9 / 9FCF yield0.09%
Stop $29.06Target $34.45(analyst − 13%)A.R:R 0.9:1
Analyst target$39.60+26.7%5 analysts
$34.45our TP
$31.25price
$39.60mean
$44

Hold if already holding. Not a fresh buy at $31.25, but acceptable to hold if already in. Reason: Elevated risk factors. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 6.5/10, moderate confidence.

Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 47d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.

news + 30-day 8-K events · 5-min refresh

Recent developments

updated 2026-06-12
TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Wed, Jul 29, 202647d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
Attractive valuation
Strong growth profile
Risks
Elevated risk factors

Key Metrics

P/E (TTM)16.6
P/E (Fwd)14.3
Mkt Cap$1.9B
EV/EBITDA9.9
Profit Mgn9.9%
ROE14.8%
Rev Growth45.9%
Beta0.65
DividendNone
Rating analysts13

Quality Signals

Piotroski F9/9MoatWideCompounder

Options Flow

P/C0.15bullish
IV75%elevated
Max Pain$28-12.0% vs spot

Concentration Risks(10-K Item 1A)

  • MEDIUMGeographicTexas45%
    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.'
  • LOWGeographicFlorida17%
    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.'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 ceiling hit

GatesMomentum 4.5<4.5A.R:R 0.9 < 1.5@spotInsider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 47d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Aggressive
RSI
40 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $27.86Resistance $34.83

Price Targets

$29
$34
A.Upside+10.2%
A.R:R0.9:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! momentum at 4.5 (below the engine's 4.5 threshold)
! asymmetry at 0.9 (below the engine's 1.5 threshold)@spot

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-29 (47d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is EZPW stock a buy right now?

Hold if already holding. Not a fresh buy at $31.25, but acceptable to hold if already in. Reason: Elevated risk factors. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Target $34.45 (+10.2%), stop $29.06 (−7.5%), A.R:R 0.9:1. Score 6.5/10, moderate confidence.

What is the EZPW stock price target?

Take-profit target: $34.45 (+10.2% upside). Target $34.45 (+10.2%), stop $29.06 (−7.5%), A.R:R 0.9:1. Stop-loss: $29.06.

What are the risks of investing in EZPW?

Elevated risk factors.

Is EZPW overvalued or undervalued?

EZCORP, Inc. trades at a P/E of 16.6 (forward 14.3). TrendMatrix value score: 7.9/10. Verdict: Hold.

What do analysts say about EZPW?

13 analysts cover EZPW with a consensus score of 4.0/5. Average price target: $40.

What does EZCORP, Inc. do?EZCORP operates pawn stores in the U.S., Latin America, and Australia under the EZPawn, Value Pawn, and other brands,...

EZCORP operates pawn stores in the U.S., Latin America, and Australia under the EZPawn, Value Pawn, and other brands, generating revenue from pawn service charges, merchandise sales, and consumer lending. The company serves cash-constrained consumers; U.S. operations are heavily concentrated in Texas and Florida.

Related stocks: ECPG (Encore Capital Group Inc) · ENVA (Enova International, Inc.) · JCAP (Jefferson Capital, Inc.) · SEZL (Sezzle Inc.) · ALLY (Ally Financial Inc.)
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