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Upturn AI Summary - About
EZCORP Inc(EZPW)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for EZPW
11/10/2026: EZPW (4-star) is currently NOT-A-BUY. Pass it for now.
EZCORP Inc is a significant provider of pawn loans and pre-owned merchandise, operating primarily in the U.S. and Latin America. The company leverages a physical store network to serve underbanked consumers, historically maintaining resilience through economic cycles. Its main growth opportunity lies in regional expansion and digital integration, while the primary risks include increasing regulatory scrutiny and competition from emerging digital lenders. As the company does not pay a dividend, it is best suited for growth or value-oriented investors who monitor economic and regulatory developments closely. Investors should focus on management's ability to maintain loan yields and control operational expenses in a changing financial landscape.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is steady but often tied to macroeconomic cycles rather than exponential tech-like expansion. |
| Momentum investor | Strong fit while signal remains positive | The stock can exhibit strong price trends during periods of economic uncertainty or recovery. |
| Value investor | Strong fit | The company often trades at valuations that attract investors looking for earnings potential relative to price. |
| Dividend investor | Weak fit | EZCORP does not currently pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Weak fit | The business is sensitive to economic cycles and regulatory environments, leading to higher volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | Stock price is prone to significant fluctuations based on quarterly loan and retail performance. |
| Valuation risk | Medium | Market sentiment can shift rapidly, potentially impacting the stock's valuation multiple. |
| Competition risk (Pawn and Alternative Lending) | Medium / high | Competition from alternative lenders and traditional financial services continues to pressure margins. |
| Business quality | Medium | While the franchise is established, it faces operational complexity across multiple international markets. |
| Dividend income | Low / none | The absence of a dividend removes the buffer provided by recurring income for shareholders. |
| Execution risk | Medium | Successful management of inventory and loan loss provisions is critical to maintaining profitability. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 80.42% | Avg. Invested days 53 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 11/10/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.82B USD | Price to earnings Ratio 14.86 | 1Y Target Price 41 |
Price to earnings Ratio 14.86 | 1Y Target Price 41 | ||
Volume (30-day avg) 747.1K shares | Beta 0.76 | 52 Weeks Range 16.50 - 37.13 | Updated Date 11/10/2026 |
52 Weeks Range 16.50 - 37.13 | Updated Date 11/10/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.99 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Pawn Lending | Interest and fees earned on pawn loans. | The core revenue stream generated by lending money against personal items. |
| Merchandise Sales | Revenue from selling unredeemed pawn items. | Revenue from selling the physical goods customers leave behind. |
| Geography | Operations in the U.S. and Latin America. | Diversification across regions helps mitigate specific market risks. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-11-11 | When After Market | Estimate 0.4 | Actual - |
Profitability
Profit Margin 9.99% | Operating Margin (TTM) 13.1% |
Management Effectiveness
Return on Assets (TTM) 6.85% | Return on Equity (TTM) 14.75% |
Valuation
Trailing PE 14.86 | Forward PE 12.92 | Enterprise Value 2.32B | Price to Sales(TTM) 1.15 |
Enterprise Value 2.32B | Price to Sales(TTM) 1.15 | ||
Enterprise Value to Revenue 1.42 | Enterprise Value to EBITDA 7.99 | Shares Outstanding 58.47M | Shares Floating 55.70M |
Shares Outstanding 58.47M | Shares Floating 55.70M | ||
Percent Insiders 4.44 | Percent Institutions 126.02 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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