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EZPW:NASDAQEZCORP, Inc. Analysis

Data as of 2026-06-17 - not real-time

$30.89

Latest Price

7/10Risk

Risk Level: Medium

Executive Summary

EZCORP is trading at $30.89, comfortably above its recent support of $27.86 but still below the 20‑day (≈$31.96) and 50‑day (≈$31.69) moving averages, indicating a short‑term pull‑back within a broader bullish trend. The RSI sits at 46.5, suggesting neutral momentum, while the MACD histogram remains negative, flagging bearish short‑term pressure. On the fundamentals side, the company posted a robust 45.9% revenue growth, a gross margin of 58.6% and an operating margin of 15.2%, outpacing many peers in the credit services space. Its trailing P/E of 16.7 is slightly below the industry average of 17.1 and the forward P/E of 14.4 points to additional upside potential. Volume has been increasing, and the 30‑day volatility is high at 51%, with a beta around 1.07, reflecting a stock that moves more than the market. The upside/downside projection of roughly 28% aligns with the current market sentiment of “Extreme Greed” (Fear & Greed Index 92.3), but recent insider sales add a note of caution. Overall, the valuation appears modestly undervalued, the growth profile is strong, and the lack of dividend underscores reliance on earnings reinvestment.

Market Outlook

Short Term

< 1 year
Neutral
Model confidence: 5/10

Key Factors

  • Price below short‑term moving averages
  • Bearish MACD signal
  • Increasing volume but elevated volatility

Medium Term

1–3 years
Positive
Model confidence: 7/10

Key Factors

  • Strong revenue growth and margins
  • Forward P/E discount to peers
  • Support level provides downside cushion

Long Term

> 3 years
Positive
Model confidence: 8/10

Key Factors

  • Sustained growth trajectory in pawn‑loan market
  • Undervalued relative to industry fundamentals
  • Resilient business model across U.S. and Latin America

Key Metrics & Analysis

Financial Health

Revenue Growth45.90%
Profit Margin9.93%
P/E Ratio16.7
ROE14.76%
ROA6.42%
Debt/Equity70.08
P/B Ratio1.7
Op. Cash Flow$173.7M
Free Cash Flow$1.7M
Industry P/E17.1

Technical Analysis

TrendBullish
RSI46.5
Support$27.86
Resistance$34.83
MA 20$31.96
MA 50$31.69
MA 200$23.59
MACDBearish
VolumeIncreasing
Fear & Greed Index92.34

Valuation

Target Price$39.60
Upside/Downside28.20%
GradeUndervalued
TypeGrowth

Risk Assessment

Beta1.07
Volatility51.01%
Sector RiskMedium
Reg. RiskMedium
Geo RiskMedium
Currency RiskMedium
Liquidity RiskMedium

This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.