EZCORP stock
EZPWNASDAQEZCORP, Inc., Financial ServicesISIN US3023011063
68Score 68 out of 100, Neutral
Price and trend
50 / 100
Price history
+50% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 9.6% below it.
Since January 2024 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 40).
The price is 24% below its 52-week high. Largest decline in 20 years: 93% (July 2011 to February 2016).
Chart figures for advanced users
- SMA 50$30.73
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$29.94
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)40
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$17.41
- The lowest closing price of the last twelve months.
- Resistance$35.59
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- EZCORP, Inc. belongs to the Financial (Credit Services) industry (United States) and, with a market value of $1.58B, is number 41 of 59 companies in its industry on MEQIRI.
- In fiscal 2026 it reported revenue of $1.69B (up 33% year on year) and earnings of $165.91M (up 51.4%).
- For fiscal 2027, analysts expect on average revenue of $1.83B (up 8%) and adjusted earnings per share of $2.18.
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- MEQIRI Score 68 out of 100 (Neutral): rank 485 of 975 in Financial Services, median 68.
- The P/E is 13.7 (Financial (Credit Services) median 11.8, own median of recent years 10.9).
- Our model puts fair value at $37.03, with the price 27% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings per share growingUp 78.3% a year since 2021.Growth 95
- Growing faster than its industryRevenue up 18.4% a year since 2021, Financial (Credit Services) median 9.7%.Growth 95
Weaknesses
- DilutionShare count up 10% since 2021.Capital allocation 47
Its standout strengths are growth and valuation, while capital allocation holds the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 65 to 68.
Fundamentals are strong, with stable profits and strong cash generation.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among smaller stocks.
From 2016 to 2025, 20 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- high growth grade (crashed more often in the backtest)
What lowers it
- solid fundamentals
Valuation
Valuation signal
Modestly undervaluedIn our model the price counts as cheap below $26.45 and expensive above $61.72 (uncertainty high, based on the price swings of the past year).
The two parts of the fair value come to $50.62 (cash-flow model) and $23.44 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $32.68, at 7.8% it would be $43.57.
Valuation metrics
Half from the cash-flow model, half from earnings times the industry P/E (11.8).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In fiscal 2026, revenue rose 33% on the prior year. Revenue has grown solidly since 2007, at about 8% per year.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2026: gross 58%, operating 14%, net 10%.
Debt & balance sheet
latest quarterModerate debt, and interest is adequately covered.
Earnings
- Next earnings
- 3 Feb 2027in 82 days
- Last reported
- 11 Nov 2026EPS reported $0.43 (expected $0.42)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $2.18+0.2%
- Revenue
- $1.83B0.0%
- Earnings per share
- $2.47+0.3%
- Revenue
- $1.96B0.0%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: −6.3%No guidance; as previously signaled, the scrap sales margin is expected to normalize to 15% to 20% if gold prices stay level.
“If gold price does not increase, we'd expect continued normalization towards long-term historical levels of scrap margin between 15% and 20%.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 6 Aug 2026 (fiscal Q3 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 3 insiders sold, $2.22M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Bryant Ellen HSale
24 Aug 2026, Chief Legal Officer
- Shares
- 30,000
- Price
- $34.77
- Value
- $1.04M
- Espinosa Pablo LagosSale
6 Jul 2026, Board
- Shares
- 10,000
- Price
- $35.54
- Value
- $355,426
- Espinosa Pablo LagosSale
5 Jun 2026, Board
- Shares
- 10,000
- Price
- $32.00
- Value
- $320,043
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- Appel Matthew WSale
20 May 2026, Board
- Shares
- 15,037
- Price
- $33.25
- Value
- $499,980
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at EZCORP
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 68
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Credit Services)
The next larger and next smaller companies by market value
- Federal Agricultural MortgageAGM $1.9B67
- Upstart HoldingsUPST $1.89B31
- Hoist FinanceHOFI.ST $1.8B79
- KRUK Spólka AkcyjnaKRU.WA $1.63B71
- Moltiply GroupMOL.MI $1.55B61
- PROG HoldingsPRG $1.47B68
- Atlanticus HoldingsATLC $1.22B78
- Jefferson CapitalJCAP $1.12B77
ETFs that hold EZCORP
Held by 7 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares S&P SmallCap 600 UCITS ETFIUS3 | 0.09% | 0.30% | €2.31B |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.02% | 0.30% | €964.08M |
| State Street SPDR MSCI World Small Cap UCITS ETF (Acc)ZPRS | 0.01% | 0.45% | €1.54B |
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| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.01% | 0.43% | €2.5B |
| UBS MSCI USA Select Factor Mix UCITS ETF USD accUSUE | 0.00% | 0.25% | €178.55M |
| State Street SPDR MSCI All Country World Investable Market UCITS ETF (Acc)SPYI | 0.00% | 0.17% | €8.84B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2026, period end 30 Sep 2026
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 23 Oct 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.