EZPW$17.85
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AI EZPW Summary
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Powered by LiveAIOverall Analysis
BuyEZCORP demonstrates a stable fundamental profile with consistent revenue and positive earnings, supported by a manageable debt level. While not exhibiting strong thematic alignment with current growth trends, its technical indicators suggest a recent downtrend that may present a buying opportunity for value-conscious investors. The company's performance has been mixed, with strong year-over-year growth in some periods, but recent quarterly performance shows revenue declines. Dividend yield is negligible, indicating a focus on reinvestment rather than shareholder payouts.
Thematic
EZCORP operates in the pawn services industry, which is generally considered more defensive than growth-oriented. Its services are consumer-driven and not directly tied to major technological or secular growth themes like AI, cloud computing, or renewable energy. The company's primary thematic relevance lies in its ability to serve lower-to-middle income consumers, which can be a stable, albeit slow-growing, market segment.
Fundamental
EZCORP presents a solid fundamental picture with a growing revenue trend over the past few years, although recent quarterly data shows a decline. Profitability has improved significantly, with net margins expanding. The company manages its debt responsibly, and its cash flow generation appears stable. Valuation metrics like P/E and P/S are within reasonable ranges, especially considering the profitability improvements. However, the lack of dividends suggests a focus on reinvestment, which might not appeal to income investors.
Technical
The stock's recent performance shows a significant decline over the past month and six months, despite a positive year-to-date performance and strong 1-year return. Technical indicators suggest downward momentum, with most moving averages indicating a 'Sell' action across various timeframes. Oscillators like RSI are in neutral to oversold territory, hinting at potential short-term stabilization or a bounce, but the overall trend appears weak.
| Factor | Score |
|---|---|
| Consumer Lending Stability | 60 |
| Technological Disruption | 20 |
| Emerging Market Exposure | 50 |
| ESG Integration | 30 |
| Economic Sensitivity | 40 |
| Factor | Score |
|---|---|
| Valuation | 80 |
| Profitability | 75 |
| Growth | 40 |
| Balance Sheet Health | 70 |
| Cash Flow | 85 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 50 |
| Volume Confirmation | 65 |
| Support & Resistance | 60 |
| Recent Performance | 40 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent Earnings Beat
The company has exceeded earnings per share (EPS) estimates in 10 of the last 12 quarters, demonstrating consistent operational strength and reliable earnings generation.
Undervalued P/E Ratio
The current Price-to-Earnings (P/E) ratio of 11.32 is below the industry average of 15, suggesting the stock may be trading at a discount relative to its earnings potential.
Bearish Points (7)
No Dividend Payout
The company currently has a dividend yield of 0.0%, indicating no regular income distribution to shareholders, which might deter income-focused investors.
Short-Term Moving Average Sell Signals
Several short-term moving averages (10-day, 20-day, 30-day EMAs and SMAs) are indicating 'Sell' signals, suggesting potential downward pressure on the stock price in the immediate future.
Calendar
February 2000
4
Ex-Dividend Date
July 2025
31
Next Earnings Date
H: $0.27
A: $0.25
L: $0.22
H: 308.78M
A: 302.51M
L: 296.10M
Profile
EZCORP, Inc. provides pawn services in the United States and Latin America. The company operates through U.S. Pawn, Latin America Pawn, and Other Investments segments. The company offers pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments. It also retails merchandise, primarily collateral forfeited from pawn lending operations and pre-owned merchandise purchased from customers. In addition, the company provides EZ+, a web-based application that allow customers to manage their pawn transactions, layaways, and loyalty rewards online. Further, it operates under the EZPAWN, Value Pawn & Jewelry, Empeño Fácil, Cash Apoyo Efectivo, GuatePrenda, and MaxiEfectivo brands. EZCORP, Inc. was incorporated in 1989 and is headquartered in Austin, Texas.
Seasonals
Price Target
21.00 USD
The 39 analysts offering 1 year price forecasts for EZPW have a max estimate of 25.00 and a min estimate of 17.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
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Income Statement
Cash Flow
Related Companies
Powered by LiveAIWeight: 100
Direct competitor in the pawn lending industry, operating pawn stores and retail merchandise outlets primarily in the U.S. and Latin America, with a very similar business model to EZPW.
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