EZCORP Inc (EZPW) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
EZCORP Inc stock (EZPW) is currently trading at $25.60. EZCORP Inc PE ratio is 16.20. EZCORP Inc PS ratio (Price-to-Sales) is 1.18. Analyst consensus price target for EZPW is $32.80. WallStSmart rates EZPW as Moderate Buy.
- EZPW PE ratio analysis and historical PE chart
- EZPW PS ratio (Price-to-Sales) history and trend
- EZPW intrinsic value — DCF, Graham Number, EPV models
- EZPW stock price prediction 2025 2026 2027 2028 2029 2030
- EZPW fair value vs current price
- EZPW insider transactions and insider buying
- Is EZPW undervalued or overvalued?
- EZCORP Inc financial analysis — revenue, earnings, cash flow
- EZPW Piotroski F-Score and Altman Z-Score
- EZPW analyst price target and Smart Rating
EZCORP Inc
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EZPW Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · EZCORP Inc (EZPW)
EZPW trades at a significant discount to its Graham intrinsic value of $73.48, offering a 66% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
EZCORP Inc (EZPW) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/sales, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
EZCORP Inc (EZPW) Key Strengths (5)
Growing significantly faster than its price suggests
Earnings per share surging 38.20% year-over-year
117.04% of shares held by major funds and institutions
Paying $1.18 for every $1 of annual revenue
Trading at 1.47x book value, attractively priced
Supporting Valuation Data
EZCORP Inc (EZPW) Areas to Watch (5)
Thin profit margins with limited profitability
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Decent operational efficiency, solid but not exceptional
Solid revenue growth at 19.30% per year
EZCORP Inc (EZPW) Detailed Analysis Report
Overall Assessment
This company scores 72/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.2/10) while 5 fall into concern territory (avg 5.2/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, EPS Growth, Institutional Own.. Valuation metrics including PEG Ratio (0.28), Price/Sales (1.18), Price/Book (1.47) suggest the stock is attractively priced. Growth metrics are encouraging with EPS Growth at 38.20%.
The Bear Case
The primary concerns are Profit Margin, Market Cap, Return on Equity. Growth concerns include Revenue Growth at 19.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 13.00%, Operating Margin at 15.90%, Profit Margin at 9.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Profit Margin improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 13.00% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 19.30% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and EPS Growth makes a compelling case at current levels. The key risk is Profit Margin, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
EZPW Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
EZPW's Price-to-Sales ratio of 1.18x trades 21% below its historical average of 1.49x (47th percentile). The current valuation is 86% below its historical high of 8.46x set in Oct 2006, and 411% above its historical low of 0.23x in Feb 2016.
WallStSmart Analysis Synopsis
Data-driven financial summary for EZCORP Inc (EZPW) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
EZCORP Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 1.3B with 19% growth year-over-year. Profit margins are thin at 9.2%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
Generating 32M in free cash flow and 39M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Margin expansion: can EZCORP Inc push profit margins above 15% as the business scales?
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact EZCORP Inc.
Bottom Line
EZCORP Inc offers an attractive blend of growth (19% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(6 last 3 months)
| Insider | Type | Shares |
|---|---|---|
SAJNANI, SUNIL Chief Audit/LP Executive | Sell | -18,353 |
| Insider | Type | Shares |
|---|---|---|
TILLETT, GARY Director | Sell | -10,000 |
| Insider | Type | Shares |
|---|---|---|
ESPINOSA, PABLO LAGOS Director | Sell | -20,000 |
| Insider | Type | Shares |
|---|---|---|
TILLETT, GARY Director | Sell | -10,000 |
Data sourced from SEC Form 4 filings
Last updated: 10:07:10 AM
About EZCORP Inc(EZPW)
NASDAQ
FINANCIAL SERVICES
CREDIT SERVICES
USA
EZCORP, Inc. offers pawn loans in the United States and Latin America. The company is headquartered in Austin, Texas.