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EZCORP, Inc. (EZPW) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

EZCORP, Inc.

EZPWMarket cap $1.90BPrice $30.9

Country🇺🇸United States

SectorFinancials

IndustryConsumer Finance

EZCORP runs pawn shops across the US and Latin America, lending cash against jewelry, electronics, and tools. It profits whether or not customers repay — either way, collateral or interest keeps the money flowing.

In Bastion Portfolios?

52W Return+66%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+13%8

Revenue Forecast

Rev CAGR (1y)+31%9

Rev CAGR (3y)+16%8

Rev CAGR (5y)+12%8

Earnings Forecast

EPS Growth Y+1+40%9

EPS Growth Y+2+8%6

EPS Growth Y+3+14%7

Quality

Margins

EBIT Margin14%6

Net Income Margin10%6

Free Cash Flow Margin9%5

Debt

Net Debt/EBITDA1.45

Efficiency

ROE15%6

ROA8%8

Earnings Stability88

GEAR+VERY STRONG97

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)118

P/E Ratio (Forward 3y)98

P/BV1.68

EV Multiples

EV/EBITDA Fwd88

EV/EBIT Fwd108

Yield

Free Cash Flow Yield0.0%8

Dividend Yieldna–

Momentum

Short term

1 month return-7%3

3 month return-13%3

YTD return+59%10

Mid term

Price vs 52wHigh83%6

1 year return+64%9

Long term

3 year return+268%10

5 year return+299%9

Risk Shield

Price Risk

Beta0.39

Volatility42%4

Free Cash Flow

Free Cash Flow Margin9%5

Free Cash Flow Yield0.0%8

Quality

ROCE12%8

Earnings Stability88

Net Debt/EBITDA1.45

02Growth

Is it actually growing, and how fast?

EZPWEZCORP

Revenue FY25$1.3B

GROWTH RATING↗

STRONG82 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+13%8

Revenue, next 1Y+31%9

Revenue, next 3Y, CAGR+16%8

Revenue, next 5Y, CAGR+12%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+40%9

EPS growth, FY27E+8%6

EPS growth, FY28E+14%7

GROWTH ASSESSMENT

STRENGTHS

It out-grows 82% of companies worldwide.

Revenue grew 13%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

Revenue is set to grow 16%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 13%/yr over the last 3 years and is set to keep growing around 16%/yr.

The runway holds up: revenue is set to grow 12%/yr over five years.8/10

Earnings are set to grow in step with sales (EPS about 14%/yr vs revenue 16%/yr).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Elite Compounder

A top-tier grower.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE65 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-7%3

3-month return-13%3

YTD return+59%10

MID & LONG-TERM▾SCORE

% of 52-week high83%6

1-year return+64%9

3-year return+268%10

5-year return+299%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +268% over three years and +299% over five, ahead of 90% of the market.

It's up 64% over the past year, but 17% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming so far this year (+59%).

WATCH

None flagged.

WEAKNESSES

The stock is underperforming over the past month (-7%) and over three months (-13%).

BOTTOM LINE

Long-Term Winner, Cooling Off

Multi-year returns are elite even though the latest weeks are quieter. Often a quality compounder taking a breather rather than breaking down. The one thing to watch: the stock is underperforming over the past month and over three months.

04Value

Are you paying a fair price for it?

Stop guessing on EZCORP, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

EZPWEZCORP

Revenue FY25$1.3B

GROWTH RATING↗

STRONG82 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+13%8

Revenue, next 1Y+31%9

Revenue, next 3Y, CAGR+16%8

Revenue, next 5Y, CAGR+12%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+40%9

EPS growth, FY27E+8%6

EPS growth, FY28E+14%7

GROWTH ASSESSMENT

STRENGTHS

It out-grows 82% of companies worldwide.

Revenue grew 13%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

Revenue is set to grow 16%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 13%/yr over the last 3 years and is set to keep growing around 16%/yr.

The runway holds up: revenue is set to grow 12%/yr over five years.8/10

Earnings are set to grow in step with sales (EPS about 14%/yr vs revenue 16%/yr).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Elite Compounder

A top-tier grower.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE65 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-7%3

3-month return-13%3

YTD return+59%10

MID & LONG-TERM▾SCORE

% of 52-week high83%6

1-year return+64%9

3-year return+268%10

5-year return+299%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +268% over three years and +299% over five, ahead of 90% of the market.

It's up 64% over the past year, but 17% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming so far this year (+59%).

WATCH

None flagged.

WEAKNESSES

The stock is underperforming over the past month (-7%) and over three months (-13%).

BOTTOM LINE

Long-Term Winner, Cooling Off

04Value

Are you paying a fair price for it?

Stop guessing on EZCORP, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community