US · EZPW
EZCORP, Inc.
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Austin, TX 78746
- Website
- ezcorp.com
Price · as of 2025-09-30
$32.36
Market cap 1.56B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $49.42 | +52.72% |
| Intrinsic Value(DCF) | $26.02 | -19.59% |
| Graham-Dodd Method(GD) | $21.73 | -32.85% |
| Graham Formula(GF) | $33.39 | +3.18% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $29.18 | $50.50 | $224.02 | $21.95 | $57.96 |
| 2012 | $19.17 | $45.91 | $102.86 | $22.35 | $53.94 |
| 2013 | $11.01 | $33.08 | $0.00 | $10.64 | $0.00 |
| 2014 | $10.58 | $35.13 | $0.00 | $2.75 | $0.00 |
| 2015 | $4.85 | $21.95 | $0.00 | $0.00 | $0.00 |
| 2016 | $11.75 | $27.55 | $0.00 | $0.00 | $0.00 |
| 2017 | $12.20 | $36.11 | $0.00 | $10.41 | $6.04 |
| 2018 | $8.73 | $43.16 | $0.40 | $11.57 | $11.20 |
| 2019 | $6.19 | $32.32 | $0.00 | $8.26 | $0.57 |
| 2020 | $5.10 | $155.20 | $0.00 | $0.89 | $0.00 |
| 2021 | $6.96 | $29.12 | $0.00 | $7.71 | $0.00 |
| 2022 | $8.01 | $54.36 | $0.00 | $11.62 | $25.39 |
| 2023 | $8.69 | $39.93 | $3.60 | $11.44 | $17.80 |
| 2024 | $12.26 | $45.04 | $21.49 | $16.63 | $27.92 |
| 2025 | $20.14 | $49.42 | $11.92 | $21.73 | $33.39 |
AI valuation
Our deep-learning model estimates EZCORP, Inc.'s (EZPW) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $49.42
- Current price
- $32.36
- AI upside
- +52.72%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$26.02
-19.59% upside
Graham-Dodd
$21.73
-32.85% upside
Graham Formula
$33.39
+3.18% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| EZPW | EZCORP, Inc. | $32.36 | 1.56B | +53% | -20% | -33% | +3% | 10.56 | 1.13 | 0.91 | 7.18 | 36.30 | 1.80 | 58.55% | 11.71% | 8.60% | 11.98% | 8.84% | 6.36% | 0.75 | 6.48 | 5.61 | 4.33 | 1.46 | 2909.00% | 970.00% | 4187.00% | 9.54% | 0.74 | 8.76% | 0.00% | 0.00% | 9.41% | 9.73 | 13.15 | 1.14 | 2.66 |
| ATLC | Atlanticus Holdings Corpo… | $52.31 | 792.05M | +256% | +398% | -14% | +371% | 6.10 | 1.38 | 1.48 | 19.54 | 48.83 | 1.38 | 61.59% | 30.15% | 24.22% | 25.08% | 4.68% | 3.72% | 5.08 | 0.87 | 5.21 | 5.21 | 14.81 | 1250.00% | 2568.00% | 270.00% | 68.84% | 6.51 | 19.88% | 3.79% | 23.10% | 11.54% | 20.27 | 6.01 | 6.11 | 0.71 |
| BBDC | Barings BDC, Inc. | $8.44 | 887.54M | +223% | -59% | — | +202% | 7.66 | 0.78 | 3.63 | 11.87 | — | 0.78 | 74.00% | 85.18% | 40.96% | 10.02% | 8.03% | 4.42% | 1.23 | 2.49 | 3.62 | 2.38 | 7.14 | -673.00% | 1900.00% | 3623.00% | 17.79% | 3.54 | 6.31% | 13.88% | 106.30% | 15.61% | 10.69 | 14.11 | 9.10 | 0.41 |
| JCAP | Jefferson Capital, Inc. C… | $20.63 | 1.2B | — | — | -74% | +258% | — | — | — | — | — | — | 71.17% | 50.84% | 24.30% | 39.22% | 13.07% | 9.31% | 3.12 | — | 20.16 | 20.13 | 7.33 | -524.00% | 3412.00% | 3614.00% | — | 2.18 | 12.59% | — | 27.90% | — | — | — | — | — |
| NMFC | New Mountain Finance Corp… | $7.65 | 771.17M | +795% | -28% | +49% | -60% | 6.06 | 0.70 | 2.23 | 3.10 | — | 0.70 | 83.64% | 37.99% | 4.45% | 10.76% | 6.22% | 4.43% | 0.17 | 1.14 | 0.57 | 0.55 | 0.38 | -8641.00% | 1225.00% | 80236.00% | 45.83% | 1.74 | 17.20% | 0.47% | 2.80% | 205.19% | 6.70 | 2.49 | 2.55 | 0.63 |
| NRDS | NerdWallet, Inc. | $10.85 | 806.14M | +341% | +473% | -39% | +74% | 16.90 | 2.20 | 0.98 | 6.25 | 26.37 | 3.59 | 92.39% | 8.32% | 5.82% | 13.19% | 17.11% | 10.84% | 0.00 | 116.00 | 3.45 | 2.95 | -0.85 | 6410.00% | 2167.00% | 8301.00% | 15.83% | 1.86 | 44.87% | 0.00% | 0.00% | 13.50% | 10.42 | 5.56 | 0.87 | 7.90 |
| OBK | Origin Bancorp, Inc. | $41.60 | 1.29B | -37% | 0% | -19% | -69% | 17.32 | 1.04 | 2.18 | 10.88 | — | 1.20 | 58.22% | 16.50% | 12.56% | 6.29% | 16.83% | 0.78% | 0.03 | 0.48 | 0.05 | 0.05 | -0.33 | -204.00% | -295.00% | 1450.00% | 7.60% | 0.05 | 21.45% | 2.32% | 40.20% | 3.54% | 12.48 | 12.46 | 2.06 | 0.04 |
| OCFC | OceanFirst Financial Corp… | $18.06 | 1.04B | +134% | +26% | -25% | -76% | 15.02 | 0.64 | 1.63 | 15.21 | — | 0.94 | 54.48% | 14.11% | 10.83% | 4.22% | 3.54% | 0.51% | 1.03 | 0.33 | 3.86 | 3.86 | 16.99 | -2909.00% | -470.00% | -1028.00% | 7.12% | 0.02 | 3.79% | 4.52% | 67.90% | 4.52% | 15.21 | 18.52 | 2.15 | 0.87 |
| OCSL | Oaktree Specialty Lending… | $11.34 | 998.89M | +237% | -53% | — | +131% | 33.62 | 0.78 | 3.81 | 16.87 | — | 0.78 | 87.21% | 50.39% | 11.32% | 2.30% | 4.91% | 1.09% | 1.01 | 1.30 | 11.20 | 11.20 | 9.32 | -4583.00% | 6093.00% | 64647.00% | 12.49% | 11.80 | 4.80% | 13.00% | 436.90% | 28.62% | 16.87 | 17.89 | 8.50 | 0.35 |
| PEBO | Peoples Bancorp Inc. | $32.27 | 1.15B | +79% | -4% | +22% | -19% | 10.74 | 0.95 | 1.85 | 12.55 | — | 1.41 | 67.46% | 21.80% | 17.27% | 9.21% | 10.71% | 1.13% | 0.61 | 0.85 | 0.84 | 0.84 | 4.05 | -967.00% | 40.00% | -120.00% | 11.75% | 0.02 | 13.51% | 0.00% | 0.00% | 0.00% | 12.55 | 12.56 | 2.74 | 0.10 |
| ROOT | Root, Inc. | $51.88 | 710.9M | +64% | +40,168% | -40% | +80% | 19.07 | 2.70 | 0.51 | 9.59 | 85.10 | 2.99 | 39.08% | 4.07% | 2.66% | 16.52% | -41.26% | 2.66% | 0.70 | 2.89 | — | — | -0.85 | 2240.00% | 2895.00% | 1229.00% | 26.88% | — | -147.24% | 0.00% | 0.00% | 0.00% | 11.42 | 3.42 | 0.47 | 0.83 |
About EZCORP, Inc.
EZCORP, Inc. provides pawn loans in the United States and Latin America. It offers pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. The company also sells merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. In addition, it offers Lana and EZ+ web-based engagement platforms to manage pawn loans. As of September 30, 2021, the company owned and operated 516 pawn stores in the United States; 508 pawn stores in Mexico; and 124 pawn stores in Guatemala, El Salvador, and Honduras. EZCORP, Inc. was founded in 1989 and is headquartered in Austin, Texas.
- CEO
- Lachlan Given
- Employees
- 8K
- Beta
- 0.53
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($26.02 ÷ $32.36) − 1 = -19.59% (DCF, example).