EZPW - NASDAQ

EZCORP, Inc.

EZCORP, Inc.

EZPWยทNASDAQ

$31.84

+2.8%
Financial ServicesFinancial - Credit Services

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.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$1.86B
EPS1.9100
P/E Ratio16.67
Earnings Date07/29/2026
EZCORP, Inc.

EZCORP, Inc. Fair Value Envelope

EZPW ยท NASDAQ

Our analysis suggests that EZPW has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $31.84, this represents a potential HIDDEN relative to our calculated worth for EZCORP, Inc..

HIDDEN
Intrinsic Value
Current Price: $31.84

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$45.2B
+ Cash & Equivalents$469.5M
Firm Value$45.7B
- Debt$764.0M
Equity Value$44.9B
/ Shares Outstanding57,925,965B
DCF Value$775
UNDERVALUED BY 2335%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$211.4M
$299.9M
$425.4M
$603.5M
$856.2M
$1.2B
$1.7B
$2.4B
$3.5B
$4.9B
Maintenance CapEx
-$10.9M
-$15.5M
-$22.0M
-$31.2M
-$44.3M
-$62.9M
-$89.2M
-$126.5M
-$179.5M
-$254.7M
Owner Earnings
$200.4M
$284.3M
$403.4M
$572.3M
$811.8M
$1.2B
$1.6B
$2.3B
$3.3B
$4.7B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$185.6M
$243.8M
$320.2M
$420.6M
$552.5M
$725.8M
$953.4M
$1.3B
$1.6B
$2.2B
Terminal Value represents 81.3% of Enterprise Value

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