EZPW - NASDAQ
EZCORP, Inc.
$31.84
+2.8%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.
At a Glance
Live SnapshotEZCORP, Inc. Street Expectations Map
Wall Street analysts project that EZPW stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 36.67, with estimates ranging from a low of 26.00 to a high of 44.00.
The consensus 1-year price target stands at 36.67, with estimates ranging from a low of 26.00 to a high of 44.00.
Analyst Consensus Analysis
Upside Potential
Strong upside potential. Consensus indicates attractive return opportunity with favorable risk-reward profile.
Analyst Agreement
Mixed analyst views. Wide target range suggests differing opinions on key value drivers, growth prospects, or risk factors.
Risk-Reward Profile
Favorable risk-reward. Potential upside significantly exceeds downside risk, offering asymmetric return profile attractive for risk-tolerant investors.
Analyst Conviction
Neutral sentiment. Fair value pricing with moderate agreement suggests wait-and-see approach or catalyst-driven opportunity.
Market Sentiment Insight
Asymmetric upside: Strong return potential with favorable risk-reward profile. The limited downside relative to upside makes this an attractive risk-adjusted opportunity for growth-oriented portfolios.
EZCORP, Inc. Forward Estimates of Revenue
Forward Growth Analysis
Solid growth trajectory indicates healthy business performance and competitive positioning.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Positive analyst consensus with strong growth expectations and forecast confidence.
EZCORP, Inc. Forward Estimates of Net Income
Forward Growth Analysis
Moderate growth expected, typical for mature businesses with stable market positions.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Generally favorable outlook with reasonable growth prospects and analyst support.
EZCORP, Inc. Forward Estimates of EPS
Forward Growth Analysis
Significant contraction projected—major business challenges or industry disruption likely.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
Key Insight
Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.
EZCORP, Inc. Forward Estimates of EBIT
Forward Growth Analysis
Significant contraction projected—major business challenges or industry disruption likely.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
Key Insight
Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.
EZCORP, Inc. Forward Estimates of EBITDA
Forward Growth Analysis
Declining expectations indicate headwinds—investigate whether temporary or structural issues.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
EZCORP, Inc. Forward Estimates of SG&A Expense
Forward Growth Analysis
Solid growth trajectory indicates healthy business performance and competitive positioning.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Positive analyst consensus with strong growth expectations and forecast confidence.
Key Insight
Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.
EZCORP, Inc. Insider Positioning
During the last 12 months, insiders have sold $4.13M worth of EZPW shares, with no buying activity reported.
3 Months
0
0.00
35.0K
1.17M
-1.2M
-$1.17M
3-6 Months
0
0.00
102.5K
2.59M
-2.6M
-$2.59M
6-9 Months
0
0.00
18.0K
316.07K
-316K
-$316K
9-12 Months
0
0.00
3.5K
48.34K
-48K
-$48K
Top Buyers
No buying activity
Top Sellers
Appel Matthew W
Director
$816K
Kulas Jason A.
Director
$671K
Swies Nicole
Officer: Chief Revenue Officer
$597K
Tillett Gary
Director
$505K
Espinosa Pablo Lagos
Director
$500K
Insider Activity Analysis
Net Insider Sentiment
Strong bearish signal with $4.13M net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.
Buy/Sell Ratio
Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.
Recent Trend (3 Months)
Heavy recent selling activity. Recent insider sales notably exceed purchases—may warrant investigation into company developments.
Insider Participation
5 insider sellers vs. 0 buyers. Widespread selling across multiple insiders may signal concerns.
Insider Activity Insight
Multiple red flags: Heavy selling, numerous sellers, and continued recent selling create a concerning pattern. Investigate fundamental drivers and consider whether company guidance or industry conditions have deteriorated.
Related Guides
Continue your EZPW research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.