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 SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is mid-range (P/E 16.7).
Valuation inputs: P/E 16.7, earnings yield +6.0%, momentum +2.8%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is acceptable (ROE +10.7%, ROIC +6.2%).
Profitability stack: net margin +8.6%, ROE +10.7%, ROIC +6.2%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceDownside profile looks controlled across current risk inputs.
Risk factors: liabilities/assets +47.4%, momentum +2.8%, net margin +8.6%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
EZCORP, Inc. Market vs Earnings Trajectory
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EZCORP, Inc. Fair Value Envelope
EZCORP, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Acceptable margins but limited operational leverage. Operating expense control is important.
Net Profit Margin
Moderate profitability with room for improvement. Monitor interest expenses and tax efficiency.
Effective Tax Rate
Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.
Profitability Insight
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
EZCORP, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Moderate capital requirements typical of many stable businesses. Healthy balance between reinvestment and cash generation.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extension—monitor closely.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
EZCORP, Inc. Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.
Debt-to-Equity Ratio
Balanced capital structure with moderate leverage. Equity exceeds debt, suggesting healthy financial stability.
Working Capital
Strong working capital position provides significant operational flexibility and financial cushion.
Asset Composition
Balanced asset mix between current and non-current assets, typical of many stable businesses.
Financial Health Insight
Strong financial foundation: Excellent liquidity combined with conservative leverage suggests the company is well-positioned to weather economic uncertainties and fund growth opportunities.
EZCORP, 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. 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.
ezpw Dividend History
Learning Layer
Related Guides
Build conviction on EZPW by pairing this stock hub 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.