Stock analysis · Bull Rankings model

EZPW analysis

EZCORP, Inc.Credit Services. Scored on the same transparent 7-signal model behind the daily rankings.

EZPW
EZCORP, Inc. · Credit Services
FCF$131mC
Rev+9.7%B
D/E0.70B
P/E17.4xC+
PEG0.28A
Bank · REIT
$34.07$2.1B
1Y Target$39.60Analyst consensus · 5 analysts
5Y Target$57.98Compound horizon
10Y Target$86.01Long-dated conviction
FCF$131mTTM
C
FCF $131m — modest; watch for margin expansion
Rev+9.7%TTM YoY
B
Revenue +9.7% — at or above S&P median
D/E0.70
B
D/E 0.70 — near the Financial Services debt median (≈60th pctile)
P/E17.4x
C+
P/E 17.4 — above the Financial Services median (≈75th pctile)
PEG0.28
A
PEG 0.28 — exceptional; paying well under fair value for growth

Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.

Entry · Margin of safety
52-week rangeNear 52-week high
8% off the 12-month high
vs DCF fair value30% belowest. fair value ~$49
Quality signals · context only
Gross profitability57% · Agross profit ÷ total assets (Novy-Marx)
ROIC9.7% · Breturn on invested capital — not score-weighted
Why now
Credit Services · market cap $2.1b. 8% off the 52-week high of $37.13. PEG 0.28 — paying under fair value for the growth rate. 5 sell-side analysts publish a mean 1-yr target of $39.60 (implying +16% upside).
Moat
ROE 13% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere.
Risk
Duration mismatch — the asset and liability books reprice on different schedules; a rapid move in rates either direction can compress net interest margin before management can reposition.
Horizon
1-3 yr $39.60 (5-analyst consensus) — fundamentals + valuation re-rating. 5 yr $57.98 at ~11% CAGR — compounding case rests on the competitive position widening. 10 yr $86.01 if current growth sustains into durable earnings power.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Shares to buy
58
Position size
$1,976
4.0% of portfolio
Stop price
$25.55
25% below $34.07
$ at risk if stopped
$494.01
budget $500.00 · 1% of portfolio

Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.

EZCORP, Inc. (EZPW): score, valuation & FAQ

EZCORP, Inc. (EZPW) is a Credit Services company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are PEG (A). On valuation, EZPW sits about 30% below our discounted-cash-flow fair value (a margin of safety).

Is EZPW a good stock to buy?

Bull Rankings grades EZPW on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by PEG (A). A score is a quantitative screen of EZCORP, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade EZPW?

As a bank, insurer or REIT, EZPW isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on PEG (A).

Is EZPW overvalued or undervalued?

Based on $34.07, EZPW sits about 30% below our discounted-cash-flow fair value (a margin of safety). It trades at a 17.4x× P/E (graded C+). Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.

What are the main risks of investing in EZPW?

Duration mismatch — the asset and liability books reprice on different schedules; a rapid move in rates either direction can compress net interest margin before management can reposition.

New to these metrics? The guides explain free cash flow, how the score works, and more in the learn hub — or run another name through the screener.

Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial adviser.

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