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EZPW

EZCORP, Inc.

Financial Services · $1.8B market cap

Verdict

Share price

$30.20

close of Oct 3, 2026

Fair value

$23.93

Sticker Price

Payback Price

$9.57

buy price

Overpriced

EZPW is Overpriced: at $30.20 it trades 26% above its fair value of $23.93. Its buy price (Payback Price) is $9.57, 68% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Owner Earnings. Earnings grow slowly (under 7% a year), but cash flow is steady, so we value it on its cash flow instead of its earnings.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth1.2% a year✗
Equity per share growth3.5% a year✗
Sales growth4.5% a year✗
Free cash flow growth0.5% a year✗
Return on invested capital5.7%✗

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Insider activity

Since Jul 6, 2026: no open-market purchases and 2 sales worth $1.4M. Why purchases matter

Sales

Bryant Ellen H

Chief Legal Officer · 2026-08-24

Sold

$1.0M

ESPINOSA PABLO LAGOS

director · 2026-07-06

Sold

$355K

About EZCORP, Inc.

EZCORP, Inc. operates primarily by offering collateralized loans, commonly known as pawn loans, to individuals in both the United States and various Latin American countries. These loans are secured by a wide array of personal items, including but not limited to jewelry, consumer electronics, tools, sporting equipment, and musical instruments. Beyond its lending activities, the company also engages in the retail…

Financial - Credit Services

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works