Stock AnalizEzcorp Inc. EZPW
Other Specialty Stores · IPO 1991 · data as of November 13, 2026
Ezcorp Inc. (EZPW) is a consumer discretionary company listed in the US with a market value of about $1.7B. In fiscal year 2026 it had revenue of $1.7B and net income of $166M, a net margin of 9.8%.
Its overall Stock Analiz score is 3.4 out of 5 (good). The strongest part is value (5/5); the weakest is shareholder returns (1/5).
Key numbers: a P/E of 13.3, a price to free cash flow of 12.0, 5-year revenue growth of 18% a year, a 5-year average ROIC of 6%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 103% above the current price.
Score: 3.4 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
Checks not passed
- 5-year average ROIC above 12%
- ROE above 15%
- More cash than debt, or low debt to equity
- Debt below 3 years of free cash flow
- Pays a dividend
- Share count down over 3 years (buybacks)
- 20% to 100% of free cash flow returned to shareholders
- Dividend 3 years in a row
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.7B | $1.3B | $1.2B | $1.0B | $886M | $730M | $823M | $847M | $812M | $748M |
| Net income | $166M | $110M | $83M | $38M | $50M | $9M | -$68M | $3M | $37M | $31M |
| Free cash flow | $141M | $110M | $78M | $61M | $35M | $23M | $21M | $65M | $49M | $26M |
| EPS (diluted) | $2.07 | $1.42 | $1.10 | $0.53 | $0.70 | $0.15 | $-1.24 | $0.05 | $0.64 | $0.58 |
| Net margin | 9.8% | 8.6% | 7.1% | 3.7% | 5.7% | 1.2% | -8.3% | 0.3% | 4.6% | 4.2% |
| ROIC | 8.8% | 6.2% | 5.9% | 5.1% | 4.5% | 1.4% | -4.3% | 3.0% | 3.9% | 4.1% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 5 analysts is $40.80, 48% above the current price; targets range from $36.00 to $45.00; the consensus rating is “Buy”.
Frequently asked questions
What is Ezcorp’s P/E ratio?
About 13.3, based on the last twelve months of diluted earnings per share (forward P/E about 11.9).
Is Ezcorp stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 103% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Ezcorp pay a dividend?
Not currently.
Is Ezcorp a good stock to buy?
We do not give buy or sell advice. Ezcorp scores 3.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
Similar companies
Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.